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CIVISTA BANCSHARES, INC.（CIVB）与RCI HOSPITALITY HOLDINGS, INC.（RICK）财务数据对比。点击上方公司名可切换其他公司
RCI HOSPITALITY HOLDINGS, INC.的季度营收约是CIVISTA BANCSHARES, INC.的1.5倍（$70.9M vs $47.3M），CIVISTA BANCSHARES, INC.净利率更高（31.7% vs -7.8%，领先39.5%），过去两年CIVISTA BANCSHARES, INC.的营收复合增速更高（11.3% vs -2.0%）
Civista Bancshares Inc.是一家总部位于美国的银行控股公司，主要在中西部地区运营，面向零售客户、本地中小企业及社区群体提供个人与商业银行服务，包括存款账户、各类贷款产品及财富管理解决方案。
RCI Hospitality控股通过子公司经营脱衣舞俱乐部、夜总会、运动酒吧与餐厅，同时还运营一家为成人俱乐部行业提供服务的传媒会展企业。公司于1995年完成首次公开募股上市，目前在纳斯达克全球市场挂牌交易。
CIVB vs RICK — 直观对比
营收规模更大
RICK
是对方的1.5倍
$47.3M
净利率更高
CIVB
高出39.5%
-7.8%
两年增速更快
CIVB
近两年复合增速
-2.0%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $47.3M | $70.9M |
| 净利润 | $15.0M | $-5.5M |
| 毛利率 | — | — |
| 营业利润率 | — | -0.7% |
| 净利率 | 31.7% | -7.8% |
| 营收同比 | — | -3.1% |
| 净利润同比 | 47.4% | -2354.9% |
| 每股收益（稀释后） | $0.72 | $-0.60 |
绿色 = 该指标领先。财年不对齐时期间可能不同
8季度营收与利润趋势
并排季度历史对比，按日历期对齐，财年错位的公司也能正确匹配
营收CIVBRICK
| Q1 26 | $47.3M | — | ||
| Q4 25 | $46.3M | — | ||
| Q3 25 | $44.2M | $70.9M | ||
| Q2 25 | $41.4M | $71.1M | ||
| Q1 25 | $40.6M | $65.9M | ||
| Q4 24 | $40.4M | $71.5M | ||
| Q3 24 | $39.3M | $73.2M | ||
| Q2 24 | $38.1M | $76.2M |
净利润CIVBRICK
| Q1 26 | $15.0M | — | ||
| Q4 25 | — | — | ||
| Q3 25 | $12.8M | $-5.5M | ||
| Q2 25 | $11.0M | $4.1M | ||
| Q1 25 | $10.2M | $3.2M | ||
| Q4 24 | — | $9.0M | ||
| Q3 24 | $8.4M | $244.0K | ||
| Q2 24 | $7.1M | $-5.2M |
营业利润率CIVBRICK
| Q1 26 | — | — | ||
| Q4 25 | 31.8% | — | ||
| Q3 25 | 35.4% | -0.7% | ||
| Q2 25 | 31.1% | 12.2% | ||
| Q1 25 | 29.4% | 12.4% | ||
| Q4 24 | 28.2% | 19.5% | ||
| Q3 24 | 25.2% | 4.8% | ||
| Q2 24 | 21.2% | -3.3% |
净利率CIVBRICK
| Q1 26 | 31.7% | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 28.9% | -7.8% | ||
| Q2 25 | 26.6% | 5.7% | ||
| Q1 25 | 25.0% | 4.9% | ||
| Q4 24 | — | 12.6% | ||
| Q3 24 | 21.3% | 0.3% | ||
| Q2 24 | 18.5% | -6.9% |
每股收益（稀释后）CIVBRICK
| Q1 26 | $0.72 | — | ||
| Q4 25 | $0.59 | — | ||
| Q3 25 | $0.68 | $-0.60 | ||
| Q2 25 | $0.71 | $0.46 | ||
| Q1 25 | $0.66 | $0.36 | ||
| Q4 24 | $0.62 | $1.01 | ||
| Q3 24 | $0.53 | $0.04 | ||
| Q2 24 | $0.45 | $-0.56 |
资产负债表与财务实力
最新季度各公司的流动性、杠杆与账面价值一览
| 指标 | | |
|---|---|---|
| 现金及短期投资手头流动性 | — | $33.7M |
| 总债务越低越好 | — | $238.2M |
| 股东权益账面价值 | $553.9M | $261.1M |
| 总资产 | $4.3B | $596.9M |
| 负债/权益比越低杠杆越低 | — | 0.91× |
8季度趋势，按日历期对齐
现金及短期投资CIVBRICK
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $33.7M | ||
| Q2 25 | — | $29.3M | ||
| Q1 25 | — | $32.7M | ||
| Q4 24 | — | $34.7M | ||
| Q3 24 | — | $32.4M | ||
| Q2 24 | — | $34.9M |
总债务CIVBRICK
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | $238.2M | ||
| Q2 25 | — | $243.8M | ||
| Q1 25 | — | $244.1M | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $241.1M | ||
| Q2 24 | — | — |
股东权益CIVBRICK
| Q1 26 | $553.9M | — | ||
| Q4 25 | $543.5M | — | ||
| Q3 25 | $499.0M | $261.1M | ||
| Q2 25 | $404.1M | $269.5M | ||
| Q1 25 | $397.4M | $268.8M | ||
| Q4 24 | $388.5M | $269.0M | ||
| Q3 24 | $394.4M | $263.4M | ||
| Q2 24 | $373.8M | $271.2M |
总资产CIVBRICK
| Q1 26 | $4.3B | — | ||
| Q4 25 | $4.3B | — | ||
| Q3 25 | $4.1B | $596.9M | ||
| Q2 25 | $4.2B | $597.4M | ||
| Q1 25 | $4.1B | $589.8M | ||
| Q4 24 | $4.1B | $586.2M | ||
| Q3 24 | $4.1B | $584.4M | ||
| Q2 24 | $4.0B | $601.0M |
负债/权益比CIVBRICK
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | — | 0.91× | ||
| Q2 25 | — | 0.90× | ||
| Q1 25 | — | 0.91× | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.92× | ||
| Q2 24 | — | — |
现金流与资本效率
扣除再投资后实际产生的现金。现金流比净利润更难造假
| 指标 | | |
|---|---|---|
| 经营现金流最新季度 | — | $13.7M |
| 自由现金流经营现金流 - 资本支出 | — | $11.5M |
| 自由现金流率自由现金流/营收 | — | 16.2% |
| 资本支出强度资本支出/营收 | — | 3.2% |
| 现金转化率经营现金流/净利润 | — | — |
| 过去12个月自由现金流最近4个季度 | — | $34.9M |
8季度趋势，按日历期对齐
经营现金流CIVBRICK
| Q1 26 | — | — | ||
| Q4 25 | $43.3M | — | ||
| Q3 25 | $19.0M | $13.7M | ||
| Q2 25 | $11.1M | $13.8M | ||
| Q1 25 | $3.6M | $8.5M | ||
| Q4 24 | $48.2M | $13.3M | ||
| Q3 24 | $12.9M | $15.7M | ||
| Q2 24 | $12.2M | $15.8M |
自由现金流CIVBRICK
| Q1 26 | — | — | ||
| Q4 25 | $42.1M | — | ||
| Q3 25 | — | $11.5M | ||
| Q2 25 | — | $10.1M | ||
| Q1 25 | $3.5M | $5.7M | ||
| Q4 24 | $44.1M | $7.6M | ||
| Q3 24 | — | $10.3M | ||
| Q2 24 | — | $9.3M |
自由现金流率CIVBRICK
| Q1 26 | — | — | ||
| Q4 25 | 90.9% | — | ||
| Q3 25 | — | 16.2% | ||
| Q2 25 | — | 14.2% | ||
| Q1 25 | 8.5% | 8.6% | ||
| Q4 24 | 109.1% | 10.6% | ||
| Q3 24 | — | 14.0% | ||
| Q2 24 | — | 12.3% |
资本支出强度CIVBRICK
| Q1 26 | — | — | ||
| Q4 25 | 2.5% | — | ||
| Q3 25 | — | 3.2% | ||
| Q2 25 | — | 5.2% | ||
| Q1 25 | 0.4% | 4.3% | ||
| Q4 24 | 10.4% | 8.0% | ||
| Q3 24 | — | 7.3% | ||
| Q2 24 | — | 8.4% |
现金转化率CIVBRICK
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 1.49× | — | ||
| Q2 25 | 1.01× | 3.40× | ||
| Q1 25 | 0.36× | 2.65× | ||
| Q4 24 | — | 1.48× | ||
| Q3 24 | 1.54× | 64.14× | ||
| Q2 24 | 1.73× | — |
财务流量对比
营收 → 毛利润 → 营业利润 → 净利润流向图
业务分部营收拆解
CIVB
| Net Interest Income | $37.8M | 80% |
| Noninterest Income | $9.4M | 20% |
RICK
| Transferred At Point In Time | $60.8M | 86% |
| Food And Merchandise | $10.4M | 15% |
