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Side-by-side financial comparison of CARRIAGE SERVICES INC (CSV) and Northwest Bancshares, Inc. (NWBI). Click either name above to swap in a different company.
Northwest Bancshares, Inc. is the larger business by last-quarter revenue ($175.1M vs $105.5M, roughly 1.7× CARRIAGE SERVICES INC). Northwest Bancshares, Inc. runs the higher net margin — 28.9% vs 11.6%, a 17.2% gap on every dollar of revenue. Over the past eight quarters, Northwest Bancshares, Inc.'s revenue compounded faster (33.7% CAGR vs 1.0%).
Jardine Cycle & Carriage Limited is the investment holding company of Jardines in Southeast Asia. It is currently 75% held by the conglomerate.
Northwest Bank is a bank headquartered in Warren, Pennsylvania. It is the leading subsidiary of Northwest Bancshares, Inc., a bank holding company, and operates 151 branches in Pennsylvania, Western New York, Northeast Ohio, Appalachian Ohio, and Indiana.
CSV vs NWBI — Head-to-Head
Income Statement — Q4 FY2025 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $105.5M | $175.1M |
| Net Profit | $12.3M | $50.5M |
| Gross Margin | 34.8% | — |
| Operating Margin | 23.3% | — |
| Net Margin | 11.6% | 28.9% |
| Revenue YoY | 8.0% | — |
| Net Profit YoY | 24.5% | — |
| EPS (diluted) | $0.76 | $0.34 |
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 | — | $175.1M | ||
| Q4 25 | $105.5M | $179.9M | ||
| Q3 25 | $102.7M | $168.2M | ||
| Q2 25 | $102.1M | $150.4M | ||
| Q1 25 | $107.1M | $156.2M | ||
| Q4 24 | $97.7M | $154.3M | ||
| Q3 24 | $100.7M | $139.1M | ||
| Q2 24 | $102.3M | $98.0M |
| Q1 26 | — | $50.5M | ||
| Q4 25 | $12.3M | — | ||
| Q3 25 | $6.6M | $3.2M | ||
| Q2 25 | $11.7M | $33.7M | ||
| Q1 25 | $20.9M | $43.5M | ||
| Q4 24 | $9.9M | — | ||
| Q3 24 | $9.9M | $33.6M | ||
| Q2 24 | $6.3M | $4.7M |
| 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% | 32.6% | ||
| Q3 25 | 17.0% | 2.1% | ||
| Q2 25 | 23.5% | 29.3% | ||
| Q1 25 | 29.5% | 36.2% | ||
| Q4 24 | 21.6% | 27.5% | ||
| Q3 24 | 22.7% | 31.3% | ||
| Q2 24 | 18.0% | 6.1% |
| Q1 26 | — | 28.9% | ||
| Q4 25 | 11.6% | — | ||
| Q3 25 | 6.4% | 1.9% | ||
| Q2 25 | 11.5% | 22.4% | ||
| Q1 25 | 19.5% | 27.8% | ||
| Q4 24 | 10.1% | — | ||
| Q3 24 | 9.8% | 24.2% | ||
| Q2 24 | 6.1% | 4.8% |
| Q1 26 | — | $0.34 | ||
| Q4 25 | $0.76 | $0.30 | ||
| Q3 25 | $0.41 | $0.02 | ||
| Q2 25 | $0.74 | $0.26 | ||
| Q1 25 | $1.34 | $0.34 | ||
| Q4 24 | $0.62 | $0.26 | ||
| Q3 24 | $0.63 | $0.26 | ||
| Q2 24 | $0.40 | $0.04 |
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 | $286.7M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $254.8M | $1.9B |
| Total Assets | $1.3B | $16.9B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | — | $286.7M | ||
| Q4 25 | $1.7M | — | ||
| Q3 25 | $1.2M | — | ||
| Q2 25 | $1.4M | — | ||
| Q1 25 | $4.6M | — | ||
| Q4 24 | $1.2M | — | ||
| Q3 24 | $1.3M | — | ||
| Q2 24 | $1.5M | — |
| Q1 26 | — | $1.9B | ||
| Q4 25 | $254.8M | $1.9B | ||
| Q3 25 | $242.1M | $1.9B | ||
| Q2 25 | $235.4M | $1.6B | ||
| Q1 25 | $223.1M | $1.6B | ||
| Q4 24 | $208.6M | $1.6B | ||
| Q3 24 | $198.1M | $1.6B | ||
| Q2 24 | $187.9M | $1.6B |
| Q1 26 | — | $16.9B | ||
| Q4 25 | $1.3B | $16.8B | ||
| Q3 25 | $1.3B | $16.4B | ||
| Q2 25 | $1.3B | $14.5B | ||
| Q1 25 | $1.3B | $14.5B | ||
| Q4 24 | $1.3B | $14.4B | ||
| Q3 24 | $1.3B | $14.4B | ||
| Q2 24 | $1.3B | $14.4B |
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 | $153.4M | ||
| Q3 25 | $24.7M | $41.9M | ||
| Q2 25 | $8.1M | $-2.3M | ||
| Q1 25 | $13.8M | $107.6M | ||
| Q4 24 | $9.3M | $127.7M | ||
| Q3 24 | $20.9M | $93.3M | ||
| Q2 24 | $2.2M | $40.7M |
| Q1 26 | — | — | ||
| Q4 25 | $6.2M | $141.8M | ||
| Q3 25 | $18.0M | $38.3M | ||
| Q2 25 | $5.2M | $-6.0M | ||
| Q1 25 | $10.6M | $105.8M | ||
| Q4 24 | $4.9M | $125.4M | ||
| Q3 24 | $16.2M | $93.2M | ||
| Q2 24 | $-1.4M | $37.2M |
| Q1 26 | — | — | ||
| Q4 25 | 5.9% | 78.8% | ||
| Q3 25 | 17.5% | 22.8% | ||
| Q2 25 | 5.1% | -4.0% | ||
| Q1 25 | 9.9% | 67.7% | ||
| Q4 24 | 5.0% | 81.3% | ||
| Q3 24 | 16.1% | 67.0% | ||
| Q2 24 | -1.4% | 37.9% |
| Q1 26 | — | — | ||
| Q4 25 | 7.5% | 6.5% | ||
| Q3 25 | 6.5% | 2.2% | ||
| Q2 25 | 2.8% | 2.4% | ||
| Q1 25 | 3.0% | 1.2% | ||
| Q4 24 | 4.5% | 1.5% | ||
| Q3 24 | 4.6% | 0.1% | ||
| Q2 24 | 3.5% | 3.6% |
| Q1 26 | — | — | ||
| Q4 25 | 1.15× | — | ||
| Q3 25 | 3.76× | 13.24× | ||
| Q2 25 | 0.69× | -0.07× | ||
| Q1 25 | 0.66× | 2.48× | ||
| Q4 24 | 0.94× | — | ||
| Q3 24 | 2.11× | 2.77× | ||
| Q2 24 | 0.34× | 8.56× |
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% |
NWBI
| Net Interest Income | $142.5M | 81% |
| Noninterest Income | $32.6M | 19% |
