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Civista Bancshares vs First Business Financial Services: CIVB and FBIZ compared
Civista Bancshares is the larger company: $49.1M of revenue in its latest quarter (Q3 2026) against $47.5M for First Business Financial Services (Q3 2026). Civista Bancshares is growing faster (+11% against +7% a year earlier). First Business Financial Services is more profitable, with an operating margin of 41.0% against 40.4%.
Where the money goes: CIVB and FBIZ
Civista Bancshares (CIVB) · Q3 2026
Civista Bancshares, Q3 2026: revenue $49.1M (+11% year over year), operating margin 40.4%, net earnings $16.0M, operating cash flow $27.6M. The chart follows the revenue to costs, profit and cash.
First Business Financial Services (FBIZ) · Q3 2026
First Business Financial Services, Q3 2026: revenue $47.5M (+7% year over year), operating margin 41.0%, net earnings $16.6M, operating cash flow $5.5M. The chart follows the revenue to costs, profit and cash.
| Civista Bancshares (CIVB) | First Business Financial Services (FBIZ) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $49.1M | $47.5M |
| Revenue growth, Y/Y | +11% | +7% |
| Operating margin | 40.4% | 41.0% |
| Net earnings | $16.0M | $16.6M |
| Net margin | 32.6% | 34.9% |
| Operating cash flow | $27.6M | $5.5M |
| Free cash flow | — | $5.2M |
Where the revenue comes from
Civista Bancshares
- Net interest income: $39.4M (80%)
- Noninterest income: $9.7M (20%)
First Business Financial Services
- Net interest income: $39.1M (82%)
- Noninterest income: $8.4M (18%)
Questions
Which is bigger, Civista Bancshares or First Business Financial Services?
Civista Bancshares is the larger company: $49.1M of revenue in its latest quarter (Q3 2026) against $47.5M for First Business Financial Services (Q3 2026).
Is Civista Bancshares or First Business Financial Services growing faster?
Civista Bancshares is growing faster (+11% against +7% a year earlier).
Which is more profitable, Civista Bancshares or First Business Financial Services?
First Business Financial Services is more profitable, with an operating margin of 41.0% against 40.4%.
More: Civista Bancshares earnings · how Civista Bancshares makes money · First Business Financial Services earnings · how First Business Financial Services makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 5, 2026; 10-Q filed Oct 30, 2026). Fiscal quarters can end on different dates. Not investment advice.