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Side-by-side financial comparison of CIVISTA BANCSHARES, INC. (CIVB) and Vericel Corp (VCEL). Click either name above to swap in a different company.
Vericel Corp is the larger business by last-quarter revenue ($92.9M vs $47.3M, roughly 2.0× CIVISTA BANCSHARES, INC.). CIVISTA BANCSHARES, INC. runs the higher net margin — 31.7% vs 25.0%, a 6.7% gap on every dollar of revenue. Over the past eight quarters, Vericel Corp's revenue compounded faster (34.6% CAGR vs 11.3%).
Civista Bancshares, Inc. is a US-based bank holding company operating primarily across the Midwest region. It provides a full suite of personal and commercial banking services including deposit accounts, mortgage, consumer and commercial lending products, as well as wealth management solutions, serving retail consumers, small and medium-sized local businesses and community client segments.
Vericel Corporation is a publicly traded American biopharmaceutical company which was known prior to October 2014 as Aastrom Bio. Aastrom Bio was formed in 1989 in Ann Arbor, Michigan.
CIVB vs VCEL — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $47.3M | $92.9M |
| Net Profit | $15.0M | $23.2M |
| Gross Margin | — | 78.7% |
| Operating Margin | — | 24.1% |
| Net Margin | 31.7% | 25.0% |
| Revenue YoY | — | 23.3% |
| Net Profit YoY | 47.4% | 17.3% |
| EPS (diluted) | $0.72 | $0.46 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | $47.3M | — | ||
| Q4 25 | $46.3M | $92.9M | ||
| Q3 25 | $44.2M | $67.5M | ||
| Q2 25 | $41.4M | $63.2M | ||
| Q1 25 | $40.6M | $52.6M | ||
| Q4 24 | $40.4M | $75.4M | ||
| Q3 24 | $39.3M | $57.9M | ||
| Q2 24 | $38.1M | $52.7M |
| Q1 26 | $15.0M | — | ||
| Q4 25 | — | $23.2M | ||
| Q3 25 | $12.8M | $5.1M | ||
| Q2 25 | $11.0M | $-553.0K | ||
| Q1 25 | $10.2M | $-11.2M | ||
| Q4 24 | — | $19.8M | ||
| Q3 24 | $8.4M | $-901.0K | ||
| Q2 24 | $7.1M | $-4.7M |
| Q1 26 | — | — | ||
| Q4 25 | — | 78.7% | ||
| Q3 25 | — | 73.5% | ||
| Q2 25 | — | 73.7% | ||
| Q1 25 | — | 69.0% | ||
| Q4 24 | — | 77.6% | ||
| Q3 24 | — | 71.9% | ||
| Q2 24 | — | 69.5% |
| Q1 26 | — | — | ||
| Q4 25 | 31.8% | 24.1% | ||
| Q3 25 | 35.4% | 5.1% | ||
| Q2 25 | 31.1% | -3.2% | ||
| Q1 25 | 29.4% | -24.3% | ||
| Q4 24 | 28.2% | 24.5% | ||
| Q3 24 | 25.2% | -4.3% | ||
| Q2 24 | 21.2% | -11.5% |
| Q1 26 | 31.7% | — | ||
| Q4 25 | — | 25.0% | ||
| Q3 25 | 28.9% | 7.5% | ||
| Q2 25 | 26.6% | -0.9% | ||
| Q1 25 | 25.0% | -21.4% | ||
| Q4 24 | — | 26.3% | ||
| Q3 24 | 21.3% | -1.6% | ||
| Q2 24 | 18.5% | -8.9% |
| Q1 26 | $0.72 | — | ||
| Q4 25 | $0.59 | $0.46 | ||
| Q3 25 | $0.68 | $0.10 | ||
| Q2 25 | $0.71 | $-0.01 | ||
| Q1 25 | $0.66 | $-0.23 | ||
| Q4 24 | $0.62 | $0.40 | ||
| Q3 24 | $0.53 | $-0.02 | ||
| Q2 24 | $0.45 | $-0.10 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | $137.5M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $553.9M | $354.6M |
| Total Assets | $4.3B | $488.0M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | — | $137.5M | ||
| Q3 25 | — | $135.4M | ||
| Q2 25 | — | $116.9M | ||
| Q1 25 | — | $112.9M | ||
| Q4 24 | — | $116.2M | ||
| Q3 24 | — | $101.7M | ||
| Q2 24 | — | $102.5M |
| Q1 26 | $553.9M | — | ||
| Q4 25 | $543.5M | $354.6M | ||
| Q3 25 | $499.0M | $321.9M | ||
| Q2 25 | $404.1M | $306.8M | ||
| Q1 25 | $397.4M | $295.5M | ||
| Q4 24 | $388.5M | $292.0M | ||
| Q3 24 | $394.4M | $257.5M | ||
| Q2 24 | $373.8M | $243.0M |
| Q1 26 | $4.3B | — | ||
| Q4 25 | $4.3B | $488.0M | ||
| Q3 25 | $4.1B | $453.3M | ||
| Q2 25 | $4.2B | $435.6M | ||
| Q1 25 | $4.1B | $424.6M | ||
| Q4 24 | $4.1B | $432.7M | ||
| Q3 24 | $4.1B | $390.4M | ||
| Q2 24 | $4.0B | $376.8M |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | — | $15.0M |
| Free Cash FlowOCF − Capex | — | $12.8M |
| FCF MarginFCF / Revenue | — | 13.8% |
| Capex IntensityCapex / Revenue | — | 2.4% |
| Cash ConversionOCF / Net Profit | — | 0.65× |
| TTM Free Cash FlowTrailing 4 quarters | — | $24.7M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $43.3M | $15.0M | ||
| Q3 25 | $19.0M | $22.1M | ||
| Q2 25 | $11.1M | $8.2M | ||
| Q1 25 | $3.6M | $6.6M | ||
| Q4 24 | $48.2M | $22.2M | ||
| Q3 24 | $12.9M | $10.2M | ||
| Q2 24 | $12.2M | $18.5M |
| Q1 26 | — | — | ||
| Q4 25 | $42.1M | $12.8M | ||
| Q3 25 | — | $19.5M | ||
| Q2 25 | — | $81.0K | ||
| Q1 25 | $3.5M | $-7.6M | ||
| Q4 24 | $44.1M | $8.5M | ||
| Q3 24 | — | $-9.2M | ||
| Q2 24 | — | $1.8M |
| Q1 26 | — | — | ||
| Q4 25 | 90.9% | 13.8% | ||
| Q3 25 | — | 28.8% | ||
| Q2 25 | — | 0.1% | ||
| Q1 25 | 8.5% | -14.5% | ||
| Q4 24 | 109.1% | 11.2% | ||
| Q3 24 | — | -15.9% | ||
| Q2 24 | — | 3.4% |
| Q1 26 | — | — | ||
| Q4 25 | 2.5% | 2.4% | ||
| Q3 25 | — | 3.9% | ||
| Q2 25 | — | 12.9% | ||
| Q1 25 | 0.4% | 27.0% | ||
| Q4 24 | 10.4% | 18.3% | ||
| Q3 24 | — | 33.5% | ||
| Q2 24 | — | 31.8% |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.65× | ||
| Q3 25 | 1.49× | 4.35× | ||
| Q2 25 | 1.01× | — | ||
| Q1 25 | 0.36× | — | ||
| Q4 24 | — | 1.12× | ||
| Q3 24 | 1.54× | — | ||
| Q2 24 | 1.73× | — |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CIVB
| Net Interest Income | $37.8M | 80% |
| Noninterest Income | $9.4M | 20% |
VCEL
| MACI Implants And Kits | $84.1M | 90% |
| Other | $8.8M | 10% |
