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CIVISTA BANCSHARES, INC.（CIVB）与Repay Holdings Corp（RPAY）财务数据对比。点击上方公司名可切换其他公司
Repay Holdings Corp的季度营收约是CIVISTA BANCSHARES, INC.的1.7倍（$78.6M vs $47.3M），CIVISTA BANCSHARES, INC.净利率更高（31.7% vs -178.3%，领先210.0%），过去两年CIVISTA BANCSHARES, INC.的营收复合增速更高（11.3% vs -1.3%）
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。
Repay Holdings Corp是一家聚焦北美市场的支付技术服务商，为零售、医疗、汽车服务、电商等领域的企业提供整合支付处理方案，涵盖银行卡收单、ACH转账、POS系统集成等数字化支付工具，助力客户简化交易流程、提升运营效率。
CIVB vs RPAY — 直观对比
营收规模更大
RPAY
是对方的1.7倍
$47.3M
净利率更高
CIVB
高出210.0%
-178.3%
两年增速更快
CIVB
近两年复合增速
-1.3%
损益表 — Q1 FY2026 vs Q4 FY2025
| 指标 | | |
|---|---|---|
| 营收 | $47.3M | $78.6M |
| 净利润 | $15.0M | $-140.1M |
| 毛利率 | — | 74.2% |
| 营业利润率 | — | -182.2% |
| 净利率 | 31.7% | -178.3% |
| 营收同比 | — | 0.4% |
| 净利润同比 | 47.4% | -3304.1% |
| 每股收益（稀释后） | $0.72 | $-1.68 |
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CIVBRPAY
| Q1 26 | $47.3M | — | ||
| Q4 25 | $46.3M | $78.6M | ||
| Q3 25 | $44.2M | $77.7M | ||
| Q2 25 | $41.4M | $75.6M | ||
| Q1 25 | $40.6M | $77.3M | ||
| Q4 24 | $40.4M | $78.3M | ||
| Q3 24 | $39.3M | $79.1M | ||
| Q2 24 | $38.1M | $74.9M |
净利润CIVBRPAY
| Q1 26 | $15.0M | — | ||
| Q4 25 | — | $-140.1M | ||
| Q3 25 | $12.8M | $-6.4M | ||
| Q2 25 | $11.0M | $-102.3M | ||
| Q1 25 | $10.2M | $-7.9M | ||
| Q4 24 | — | $-4.1M | ||
| Q3 24 | $8.4M | $3.2M | ||
| Q2 24 | $7.1M | $-4.1M |
毛利率CIVBRPAY
| Q1 26 | — | — | ||
| Q4 25 | — | 74.2% | ||
| Q3 25 | — | 74.4% | ||
| Q2 25 | — | 75.7% | ||
| Q1 25 | — | 75.9% | ||
| Q4 24 | — | 76.3% | ||
| Q3 24 | — | 77.8% | ||
| Q2 24 | — | 78.2% |
营业利润率CIVBRPAY
| Q1 26 | — | — | ||
| Q4 25 | 31.8% | -182.2% | ||
| Q3 25 | 35.4% | -3.9% | ||
| Q2 25 | 31.1% | -138.7% | ||
| Q1 25 | 29.4% | -4.7% | ||
| Q4 24 | 28.2% | -1.5% | ||
| Q3 24 | 25.2% | -0.9% | ||
| Q2 24 | 21.2% | -4.6% |
净利率CIVBRPAY
| Q1 26 | 31.7% | — | ||
| Q4 25 | — | -178.3% | ||
| Q3 25 | 28.9% | -8.3% | ||
| Q2 25 | 26.6% | -135.2% | ||
| Q1 25 | 25.0% | -10.3% | ||
| Q4 24 | — | -5.3% | ||
| Q3 24 | 21.3% | 4.1% | ||
| Q2 24 | 18.5% | -5.4% |
每股收益（稀释后）CIVBRPAY
| Q1 26 | $0.72 | — | ||
| Q4 25 | $0.59 | $-1.68 | ||
| Q3 25 | $0.68 | $-0.08 | ||
| Q2 25 | $0.71 | $-1.15 | ||
| Q1 25 | $0.66 | $-0.09 | ||
| Q4 24 | $0.62 | $-0.04 | ||
| Q3 24 | $0.53 | $0.03 | ||
| Q2 24 | $0.45 | $-0.04 |
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 | — | $115.7M |
| 总债务越低越好 | — | $280.1M |
| 股东权益账面价值 | $553.9M | $484.4M |
| 总资产 | $4.3B | $1.2B |
| 负债/权益比越低杠杆越低 | — | 0.58× |
8季度趋势，按日历期对齐
现金及短期投资CIVBRPAY
| Q1 26 | — | — | ||
| Q4 25 | — | $115.7M | ||
| Q3 25 | — | $95.7M | ||
| Q2 25 | — | $162.6M | ||
| Q1 25 | — | $165.5M | ||
| Q4 24 | — | $189.5M | ||
| Q3 24 | — | $168.7M | ||
| Q2 24 | — | $147.1M |
总债务CIVBRPAY
| Q1 26 | — | — | ||
| Q4 25 | — | $280.1M | ||
| Q3 25 | — | $279.5M | ||
| Q2 25 | — | $279.0M | ||
| Q1 25 | — | $497.6M | ||
| Q4 24 | — | $496.8M | ||
| Q3 24 | — | $496.2M | ||
| Q2 24 | — | $435.6M |
股东权益CIVBRPAY
| Q1 26 | $553.9M | — | ||
| Q4 25 | $543.5M | $484.4M | ||
| Q3 25 | $499.0M | $616.9M | ||
| Q2 25 | $404.1M | $633.7M | ||
| Q1 25 | $397.4M | $755.7M | ||
| Q4 24 | $388.5M | $761.3M | ||
| Q3 24 | $394.4M | $754.7M | ||
| Q2 24 | $373.8M | $815.4M |
总资产CIVBRPAY
| Q1 26 | $4.3B | — | ||
| Q4 25 | $4.3B | $1.2B | ||
| Q3 25 | $4.1B | $1.3B | ||
| Q2 25 | $4.2B | $1.4B | ||
| Q1 25 | $4.1B | $1.5B | ||
| Q4 24 | $4.1B | $1.6B | ||
| Q3 24 | $4.1B | $1.6B | ||
| Q2 24 | $4.0B | $1.5B |
负债/权益比CIVBRPAY
| Q1 26 | — | — | ||
| Q4 25 | — | 0.58× | ||
| Q3 25 | — | 0.45× | ||
| Q2 25 | — | 0.44× | ||
| Q1 25 | — | 0.66× | ||
| Q4 24 | — | 0.65× | ||
| Q3 24 | — | 0.66× | ||
| Q2 24 | — | 0.53× |
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 | — | $23.3M |
| 自由现金流经营现金流 - 资本支出 | — | $23.2M |
| 自由现金流率自由现金流/营收 | — | 29.6% |
| 资本支出强度资本支出/营收 | — | 0.1% |
| 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 | — | $90.7M |
8季度趋势，按日历期对齐
经营现金流CIVBRPAY
| Q1 26 | — | — | ||
| Q4 25 | $43.3M | $23.3M | ||
| Q3 25 | $19.0M | $32.2M | ||
| Q2 25 | $11.1M | $33.1M | ||
| Q1 25 | $3.6M | $2.5M | ||
| Q4 24 | $48.2M | $34.3M | ||
| Q3 24 | $12.9M | $60.1M | ||
| Q2 24 | $12.2M | $31.0M |
自由现金流CIVBRPAY
| Q1 26 | — | — | ||
| Q4 25 | $42.1M | $23.2M | ||
| Q3 25 | — | $32.1M | ||
| Q2 25 | — | $33.0M | ||
| Q1 25 | $3.5M | $2.4M | ||
| Q4 24 | $44.1M | $34.0M | ||
| Q3 24 | — | $59.8M | ||
| Q2 24 | — | $30.5M |
自由现金流率CIVBRPAY
| Q1 26 | — | — | ||
| Q4 25 | 90.9% | 29.6% | ||
| Q3 25 | — | 41.3% | ||
| Q2 25 | — | 43.6% | ||
| Q1 25 | 8.5% | 3.0% | ||
| Q4 24 | 109.1% | 43.5% | ||
| Q3 24 | — | 75.6% | ||
| Q2 24 | — | 40.7% |
资本支出强度CIVBRPAY
| Q1 26 | — | — | ||
| Q4 25 | 2.5% | 0.1% | ||
| Q3 25 | — | 0.2% | ||
| Q2 25 | — | 0.1% | ||
| Q1 25 | 0.4% | 0.2% | ||
| Q4 24 | 10.4% | 0.3% | ||
| Q3 24 | — | 0.3% | ||
| Q2 24 | — | 0.6% |
现金转化率CIVBRPAY
| Q1 26 | — | — | ||
| Q4 25 | — | — | ||
| Q3 25 | 1.49× | — | ||
| Q2 25 | 1.01× | — | ||
| Q1 25 | 0.36× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | 1.54× | 18.52× | ||
| 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% |
RPAY
| Sales Channel Directly To Consumer | $69.4M | 88% |
| Other | $6.8M | 9% |
| Sales Channel Through Intermediary | $2.3M | 3% |
