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CIVISTA BANCSHARES, INC.（CIVB）与RE/MAX Holdings, Inc.（RMAX）财务数据对比。点击上方公司名可切换其他公司
RE/MAX Holdings, Inc.的季度营收约是CIVISTA BANCSHARES, INC.的1.5倍（$71.1M vs $47.3M），CIVISTA BANCSHARES, INC.净利率更高（31.7% vs 2.0%，领先29.7%），过去两年CIVISTA BANCSHARES, INC.的营收复合增速更高（11.3% vs -4.7%）
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。
RE/MAX是全球知名的房地产特许经营机构，业务遍布全球一百多个国家和地区，旗下拥有数千家门店，总计超过十万名房产经纪人，在国际房产中介领域拥有极高的品牌知名度与市场影响力。
CIVB vs RMAX — 直观对比
营收规模更大
RMAX
是对方的1.5倍
$47.3M
净利率更高
CIVB
高出29.7%
2.0%
两年增速更快
CIVB
近两年复合增速
-4.7%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $47.3M | $71.1M |
| 净利润 | $15.0M | $1.4M |
| 毛利率 | — | — |
| 营业利润率 | — | 13.1% |
| 净利率 | 31.7% | 2.0% |
| 营收同比 | — | -1.8% |
| 净利润同比 | 47.4% | -75.2% |
| 每股收益（稀释后） | $0.72 | — |
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CIVBRMAX
| Q1 26 | $47.3M | — | ||
| Q4 25 | $46.3M | $71.1M | ||
| Q3 25 | $44.2M | $73.2M | ||
| Q2 25 | $41.4M | $72.8M | ||
| Q1 25 | $40.6M | $74.5M | ||
| Q4 24 | $40.4M | $72.5M | ||
| Q3 24 | $39.3M | $78.5M | ||
| Q2 24 | $38.1M | $78.5M |
净利润CIVBRMAX
| Q1 26 | $15.0M | — | ||
| Q4 25 | — | $1.4M | ||
| Q3 25 | $12.8M | $4.0M | ||
| Q2 25 | $11.0M | $4.7M | ||
| Q1 25 | $10.2M | $-2.0M | ||
| Q4 24 | — | $5.8M | ||
| Q3 24 | $8.4M | $966.0K | ||
| Q2 24 | $7.1M | $3.7M |
营业利润率CIVBRMAX
| Q1 26 | — | — | ||
| Q4 25 | 31.8% | 13.1% | ||
| Q3 25 | 35.4% | 25.0% | ||
| Q2 25 | 31.1% | 19.3% | ||
| Q1 25 | 29.4% | 7.2% | ||
| Q4 24 | 28.2% | 5.9% | ||
| Q3 24 | 25.2% | 19.4% | ||
| Q2 24 | 21.2% | 20.6% |
净利率CIVBRMAX
| Q1 26 | 31.7% | — | ||
| Q4 25 | — | 2.0% | ||
| Q3 25 | 28.9% | 5.4% | ||
| Q2 25 | 26.6% | 6.4% | ||
| Q1 25 | 25.0% | -2.6% | ||
| Q4 24 | — | 8.0% | ||
| Q3 24 | 21.3% | 1.2% | ||
| Q2 24 | 18.5% | 4.7% |
每股收益（稀释后）CIVBRMAX
| Q1 26 | $0.72 | — | ||
| Q4 25 | $0.59 | — | ||
| Q3 25 | $0.68 | — | ||
| Q2 25 | $0.71 | — | ||
| Q1 25 | $0.66 | — | ||
| Q4 24 | $0.62 | — | ||
| Q3 24 | $0.53 | — | ||
| Q2 24 | $0.45 | — |
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 | — | $118.7M |
| 总债务越低越好 | — | $432.2M |
| 股东权益账面价值 | $553.9M | $452.4M |
| 总资产 | $4.3B | $582.5M |
| 负债/权益比越低杠杆越低 | — | 0.96× |
8季度趋势，按日历期对齐
现金及短期投资CIVBRMAX
| Q1 26 | — | — | ||
| Q4 25 | — | $118.7M | ||
| Q3 25 | — | $107.5M | ||
| Q2 25 | — | $94.3M | ||
| Q1 25 | — | $89.1M | ||
| Q4 24 | — | $96.6M | ||
| Q3 24 | — | $83.8M | ||
| Q2 24 | — | $66.1M |
总债务CIVBRMAX
| Q1 26 | — | — | ||
| Q4 25 | — | $432.2M | ||
| Q3 25 | — | $433.3M | ||
| Q2 25 | — | $434.4M | ||
| Q1 25 | — | $435.3M | ||
| Q4 24 | — | $436.2M | ||
| Q3 24 | — | $437.2M | ||
| Q2 24 | — | $438.1M |
股东权益CIVBRMAX
| Q1 26 | $553.9M | — | ||
| Q4 25 | $543.5M | $452.4M | ||
| Q3 25 | $499.0M | $448.1M | ||
| Q2 25 | $404.1M | $442.4M | ||
| Q1 25 | $397.4M | $433.5M | ||
| Q4 24 | $388.5M | $429.5M | ||
| Q3 24 | $394.4M | $423.1M | ||
| Q2 24 | $373.8M | $418.4M |
总资产CIVBRMAX
| Q1 26 | $4.3B | — | ||
| Q4 25 | $4.3B | $582.5M | ||
| Q3 25 | $4.1B | $582.2M | ||
| Q2 25 | $4.2B | $574.8M | ||
| Q1 25 | $4.1B | $571.4M | ||
| Q4 24 | $4.1B | $581.6M | ||
| Q3 24 | $4.1B | $578.6M | ||
| Q2 24 | $4.0B | $571.4M |
负债/权益比CIVBRMAX
| Q1 26 | — | — | ||
| Q4 25 | — | 0.96× | ||
| Q3 25 | — | 0.97× | ||
| Q2 25 | — | 0.98× | ||
| Q1 25 | — | 1.00× | ||
| Q4 24 | — | 1.02× | ||
| Q3 24 | — | 1.03× | ||
| Q2 24 | — | 1.05× |
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 | — | $40.9M |
| 自由现金流经营现金流 - 资本支出 | — | $33.5M |
| 自由现金流率自由现金流/营收 | — | 47.1% |
| 资本支出强度资本支出/营收 | — | 10.4% |
| 现金转化率经营现金流/净利润 | — | 28.39× |
| 过去12个月自由现金流最近4个季度 | — | $56.8M |
8季度趋势，按日历期对齐
经营现金流CIVBRMAX
| Q1 26 | — | — | ||
| Q4 25 | $43.3M | $40.9M | ||
| Q3 25 | $19.0M | $17.7M | ||
| Q2 25 | $11.1M | $4.6M | ||
| Q1 25 | $3.6M | $5.7M | ||
| Q4 24 | $48.2M | $59.7M | ||
| Q3 24 | $12.9M | $17.6M | ||
| Q2 24 | $12.2M | $15.9M |
自由现金流CIVBRMAX
| Q1 26 | — | — | ||
| Q4 25 | $42.1M | $33.5M | ||
| Q3 25 | — | $16.4M | ||
| Q2 25 | — | $2.9M | ||
| Q1 25 | $3.5M | $4.0M | ||
| Q4 24 | $44.1M | $53.0M | ||
| Q3 24 | — | $16.3M | ||
| Q2 24 | — | $14.0M |
自由现金流率CIVBRMAX
| Q1 26 | — | — | ||
| Q4 25 | 90.9% | 47.1% | ||
| Q3 25 | — | 22.4% | ||
| Q2 25 | — | 4.0% | ||
| Q1 25 | 8.5% | 5.3% | ||
| Q4 24 | 109.1% | 73.2% | ||
| Q3 24 | — | 20.8% | ||
| Q2 24 | — | 17.8% |
资本支出强度CIVBRMAX
| Q1 26 | — | — | ||
| Q4 25 | 2.5% | 10.4% | ||
| Q3 25 | — | 1.8% | ||
| Q2 25 | — | 2.2% | ||
| Q1 25 | 0.4% | 2.3% | ||
| Q4 24 | 10.4% | 9.1% | ||
| Q3 24 | — | 1.7% | ||
| Q2 24 | — | 2.4% |
现金转化率CIVBRMAX
| Q1 26 | — | — | ||
| Q4 25 | — | 28.39× | ||
| Q3 25 | 1.49× | 4.45× | ||
| Q2 25 | 1.01× | 0.97× | ||
| Q1 25 | 0.36× | — | ||
| Q4 24 | — | 10.28× | ||
| Q3 24 | 1.54× | 18.22× | ||
| Q2 24 | 1.73× | 4.29× |
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% |
RMAX
| Franchising Segment | $50.1M | 70% |
| Broker Fees | $13.9M | 20% |
| Annual Dues | $7.4M | 10% |
