Civista Bancshares vs First Business Financial Services
Civista Bancshares and First Business Financial Services are similar in size: $173m and $169m of revenue in their latest fiscal years. Civista Bancshares grew faster (11.7% against 9.9%). First Business Financial Services kept more of each dollar of sales as profit: a net margin of 29.8% against 26.8%.
| Latest fiscal year | Civista BancsharesCIVB, 2025 | First Business Financial ServicesFBIZ, 2025 |
|---|---|---|
| Revenue | $173m | $169m |
| Revenue growth | 11.7% | 9.9% |
| Net income | $46.2m | $50.3m |
| Operating margin | — | — |
| Net margin | 26.8% | 29.8% |
| Return on equity | 9.9% | 14.4% |
| Free cash flow | $42.1m | $61.1m |
| Cash | $77.3m | $39.5m |
| Total debt | $0 | $252m |
| Debt to equity | — | — |
| Dividend per share | — | $1.16 |
| Dividend yield | — | 1.7% |
| Share buybacks | $178,000 | $1.4m |
| Employees | 526 | — |
| Market value | $589m | $642m |
| Price vs our value range | — | — |
| Moat score | 64 (Moderate) | 73 (Strong) |
| Insider trades, 12 months | 3 buys, 0 sales | 1 buys, 1 sales |