Filing Flows › Comparisons › CIVB vs MCBS
Civista Bancshares vs MetroCity Bankshares: CIVB and MCBS compared
Civista Bancshares is the larger company: $49.1M of revenue in its latest quarter (Q3 2026) against $47.9M for MetroCity Bankshares (Q3 2026). MetroCity Bankshares is growing faster (+26% against +11% a year earlier). MetroCity Bankshares is more profitable, with an operating margin of 58.3% against 40.4%.
Where the money goes: CIVB and MCBS
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.
MetroCity Bankshares (MCBS) · Q3 2026
MetroCity Bankshares, Q3 2026: revenue $47.9M (+26% year over year), operating margin 58.3%, net earnings $24.3M, operating cash flow −$16.6M. The chart follows the revenue to costs, profit and cash.
| Civista Bancshares (CIVB) | MetroCity Bankshares (MCBS) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $49.1M | $47.9M |
| Revenue growth, Y/Y | +11% | +26% |
| Operating margin | 40.4% | 58.3% |
| Net earnings | $16.0M | $24.3M |
| Net margin | 32.6% | 50.7% |
| Operating cash flow | $27.6M | −$16.6M |
| Market value | — | $990M |
| P/E | — | 11.4× |
| Analysts’ mean target | — | $41.00 |
Where the revenue comes from
Civista Bancshares
- Net interest income: $39.4M (80%)
- Noninterest income: $9.7M (20%)
MetroCity Bankshares
- Net interest income: $43.6M (91%)
- Noninterest income: $4.4M (9%)
Questions
Which is bigger, Civista Bancshares or MetroCity Bankshares?
Civista Bancshares is the larger company: $49.1M of revenue in its latest quarter (Q3 2026) against $47.9M for MetroCity Bankshares (Q3 2026).
Is Civista Bancshares or MetroCity Bankshares growing faster?
MetroCity Bankshares is growing faster (+26% against +11% a year earlier).
Which is more profitable, Civista Bancshares or MetroCity Bankshares?
MetroCity Bankshares is more profitable, with an operating margin of 58.3% against 40.4%.
More: Civista Bancshares earnings · how Civista Bancshares makes money · MetroCity Bankshares earnings · how MetroCity Bankshares makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 5, 2026; 10-Q filed Nov 5, 2026). Fiscal quarters can end on different dates. Not investment advice.