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Side-by-side financial comparison of CARRIAGE SERVICES INC (CSV) and FINANCIAL INSTITUTIONS INC (FISI). Click either name above to swap in a different company.
CARRIAGE SERVICES INC is the larger business by last-quarter revenue ($105.5M vs $62.7M, roughly 1.7× FINANCIAL INSTITUTIONS INC). FINANCIAL INSTITUTIONS INC runs the higher net margin — 33.5% vs 11.6%, a 21.9% gap on every dollar of revenue. Over the past eight quarters, CARRIAGE SERVICES INC's revenue compounded faster (1.0% CAGR vs -2.0%).
Jardine Cycle & Carriage Limited is the investment holding company of Jardines in Southeast Asia. It is currently 75% held by the conglomerate.
The Mizuho Financial Group, Inc. , known from 2000 to 2003 as Mizuho Holdings and abbreviated as MHFG or simply Mizuho, is a Japanese banking holding company headquartered in the Ōtemachi district of Chiyoda, Tokyo, Japan. The group was formed in 2000–2002 by merger of Dai-Ichi Kangyo Bank, Fuji Bank, and Industrial Bank of Japan. The name mizuho (瑞穂) literally means "abundant rice" in Japanese and "harvest" in the figurative sense.
CSV vs FISI — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $105.5M | $62.7M |
| Net Profit | $12.3M | $21.0M |
| Gross Margin | 34.8% | — |
| Operating Margin | 23.3% | — |
| Net Margin | 11.6% | 33.5% |
| Revenue YoY | 8.0% | — |
| Net Profit YoY | 24.5% | 24.3% |
| EPS (diluted) | $0.76 | $1.04 |
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 | — | $62.7M | ||
| Q4 25 | $105.5M | $64.1M | ||
| Q3 25 | $102.7M | $63.8M | ||
| Q2 25 | $102.1M | $59.7M | ||
| Q1 25 | $107.1M | $57.2M | ||
| Q4 24 | $97.7M | $41.6M | ||
| Q3 24 | $100.7M | $50.1M | ||
| Q2 24 | $102.3M | $65.2M |
| Q1 26 | — | $21.0M | ||
| Q4 25 | $12.3M | $20.0M | ||
| Q3 25 | $6.6M | $20.5M | ||
| Q2 25 | $11.7M | $17.5M | ||
| Q1 25 | $20.9M | $16.9M | ||
| Q4 24 | $9.9M | $-82.8M | ||
| Q3 24 | $9.9M | $13.5M | ||
| Q2 24 | $6.3M | $25.6M |
| Q1 26 | — | — | ||
| Q4 25 | 34.8% | — | ||
| Q3 25 | 35.3% | — | ||
| Q2 25 | 35.2% | — | ||
| Q1 25 | 35.3% | — | ||
| Q4 24 | 34.4% | — | ||
| Q3 24 | 35.2% | — | ||
| Q2 24 | 36.2% | — |
| Q1 26 | — | — | ||
| Q4 25 | 23.3% | 37.4% | ||
| Q3 25 | 17.0% | 39.5% | ||
| Q2 25 | 23.5% | 36.0% | ||
| Q1 25 | 29.5% | 36.0% | ||
| Q4 24 | 21.6% | -276.9% | ||
| Q3 24 | 22.7% | 29.0% | ||
| Q2 24 | 18.0% | 46.2% |
| Q1 26 | — | 33.5% | ||
| Q4 25 | 11.6% | 38.3% | ||
| Q3 25 | 6.4% | 32.1% | ||
| Q2 25 | 11.5% | 29.3% | ||
| Q1 25 | 19.5% | 29.5% | ||
| Q4 24 | 10.1% | -198.9% | ||
| Q3 24 | 9.8% | 26.9% | ||
| Q2 24 | 6.1% | 39.3% |
| Q1 26 | — | $1.04 | ||
| Q4 25 | $0.76 | $0.96 | ||
| Q3 25 | $0.41 | $0.99 | ||
| Q2 25 | $0.74 | $0.85 | ||
| Q1 25 | $1.34 | $0.81 | ||
| Q4 24 | $0.62 | $-5.32 | ||
| Q3 24 | $0.63 | $0.84 | ||
| Q2 24 | $0.40 | $1.62 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $1.7M | $85.5M |
| Total DebtLower is stronger | — | $114.0M |
| Stockholders' EquityBook value | $254.8M | — |
| Total Assets | $1.3B | $6.3B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $85.5M | ||
| Q4 25 | $1.7M | $108.8M | ||
| Q3 25 | $1.2M | $185.9M | ||
| Q2 25 | $1.4M | $93.0M | ||
| Q1 25 | $4.6M | $167.4M | ||
| Q4 24 | $1.2M | $87.3M | ||
| Q3 24 | $1.3M | — | ||
| Q2 24 | $1.5M | — |
| Q1 26 | — | $114.0M | ||
| Q4 25 | — | $193.7M | ||
| Q3 25 | — | $115.0M | ||
| Q2 25 | — | $115.0M | ||
| Q1 25 | — | $124.9M | ||
| Q4 24 | — | $124.8M | ||
| Q3 24 | — | $124.8M | ||
| Q2 24 | — | $124.7M |
| Q1 26 | — | — | ||
| Q4 25 | $254.8M | $628.9M | ||
| Q3 25 | $242.1M | $621.7M | ||
| Q2 25 | $235.4M | $601.7M | ||
| Q1 25 | $223.1M | $589.9M | ||
| Q4 24 | $208.6M | $569.0M | ||
| Q3 24 | $198.1M | $500.3M | ||
| Q2 24 | $187.9M | $467.7M |
| Q1 26 | — | $6.3B | ||
| Q4 25 | $1.3B | $6.3B | ||
| Q3 25 | $1.3B | $6.3B | ||
| Q2 25 | $1.3B | $6.1B | ||
| Q1 25 | $1.3B | $6.3B | ||
| Q4 24 | $1.3B | $6.1B | ||
| Q3 24 | $1.3B | $6.2B | ||
| Q2 24 | $1.3B | $6.1B |
| Q1 26 | — | — | ||
| Q4 25 | — | 0.31× | ||
| Q3 25 | — | 0.18× | ||
| Q2 25 | — | 0.19× | ||
| Q1 25 | — | 0.21× | ||
| Q4 24 | — | 0.22× | ||
| Q3 24 | — | 0.25× | ||
| Q2 24 | — | 0.27× |
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 | $14.1M | — |
| Free Cash FlowOCF − Capex | $6.2M | — |
| FCF MarginFCF / Revenue | 5.9% | — |
| Capex IntensityCapex / Revenue | 7.5% | — |
| Cash ConversionOCF / Net Profit | 1.15× | — |
| TTM Free Cash FlowTrailing 4 quarters | $40.1M | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | — | ||
| Q4 25 | $14.1M | $18.8M | ||
| Q3 25 | $24.7M | $-6.9M | ||
| Q2 25 | $8.1M | $-5.7M | ||
| Q1 25 | $13.8M | $10.0M | ||
| Q4 24 | $9.3M | $77.1M | ||
| Q3 24 | $20.9M | $2.1M | ||
| Q2 24 | $2.2M | $35.7M |
| Q1 26 | — | — | ||
| Q4 25 | $6.2M | $13.3M | ||
| Q3 25 | $18.0M | $-7.9M | ||
| Q2 25 | $5.2M | $-7.3M | ||
| Q1 25 | $10.6M | $9.2M | ||
| Q4 24 | $4.9M | $72.2M | ||
| Q3 24 | $16.2M | $-299.0K | ||
| Q2 24 | $-1.4M | $34.7M |
| Q1 26 | — | — | ||
| Q4 25 | 5.9% | 20.7% | ||
| Q3 25 | 17.5% | -12.4% | ||
| Q2 25 | 5.1% | -12.3% | ||
| Q1 25 | 9.9% | 16.1% | ||
| Q4 24 | 5.0% | 173.3% | ||
| Q3 24 | 16.1% | -0.6% | ||
| Q2 24 | -1.4% | 53.3% |
| Q1 26 | — | — | ||
| Q4 25 | 7.5% | 8.7% | ||
| Q3 25 | 6.5% | 1.6% | ||
| Q2 25 | 2.8% | 2.7% | ||
| Q1 25 | 3.0% | 1.4% | ||
| Q4 24 | 4.5% | 11.9% | ||
| Q3 24 | 4.6% | 4.9% | ||
| Q2 24 | 3.5% | 1.5% |
| Q1 26 | — | — | ||
| Q4 25 | 1.15× | 0.94× | ||
| Q3 25 | 3.76× | -0.34× | ||
| Q2 25 | 0.69× | -0.33× | ||
| Q1 25 | 0.66× | 0.59× | ||
| Q4 24 | 0.94× | — | ||
| Q3 24 | 2.11× | 0.16× | ||
| Q2 24 | 0.34× | 1.39× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CSV
| Propertyand Merchandise | $47.8M | 45% |
| Cemetery Interment Rights | $24.8M | 23% |
| Merchandise | $18.9M | 18% |
| Other Revenue | $10.2M | 10% |
| Other | $3.9M | 4% |
FISI
| Net Interest Income | $52.0M | 83% |
| Noninterest Income | $10.7M | 17% |
