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Civista Bancshares (CIVB) Financials

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$22.79 -0.29 (-1.26%)
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Annual Income Statements for Civista Bancshares

Annual Income Statements for Civista Bancshares

This table shows Civista Bancshares' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Income / (Loss) Attributable to Common Shareholders		 32 43 39
Consolidated Net Income / (Loss)		 32 43 39
Net Income / (Loss) Continuing Operations		 32 43 39
Total Pre-Tax Income 		37 51 47
Total Revenue		 154 163 139
Net Interest Income / (Expense)		 117 125 110
Total Interest Income		 207 183 126
Loans and Leases Interest Income		 184 161 108
Investment Securities Interest Income		 22 21 17
Other Interest Income		 1.01 0.98 1.12
Total Interest Expense		 90 57 16
Deposits Interest Expense		 66 34 3.84
Short-Term Borrowings Interest Expense		 18 15 3.08
Long-Term Debt Interest Expense		 4.93 4.85 3.78
Federal Funds Purchased and Securities Sold Interest Expense		 0.76 4.08 5.25
Total Non-Interest Income		 38 37 29
Trust Fees by Commissions		 5.52 4.77 4.90
Other Service Charges		 16 21 17
Net Realized & Unrealized Capital Gains on Investments		 4.72 2.89 3.53
Other Non-Interest Income		 11 8.71 3.29
Provision for Credit Losses		 5.36 4.44 1.75
Total Non-Interest Expense		 113 108 90
Salaries and Employee Benefits		 62 58 51
Net Occupancy & Equipment Expense		 17 19 13
Marketing Expense		 2.09 1.35 1.51
Other Operating Expenses		 30 28 24
Amortization Expense		 1.48 1.58 1.30
Income Tax Expense		 4.89 7.65 7.61
Preferred Stock Dividends Declared		 0.00 0.00 0.00
Basic Earnings per Share		 $2.01 $2.73 $2.60
Weighted Average Basic Shares Outstanding		 15.48M 15.69M 15.72M
Diluted Earnings per Share		 $2.01 $2.73 $2.60
Weighted Average Diluted Shares Outstanding		 15.48M 15.69M 15.72M
Weighted Average Basic & Diluted Shares Outstanding		 15.48M 15.69M 15.72M

Quarterly Income Statements for Civista Bancshares

This table shows Civista Bancshares' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 9.89 8.37 7.06 6.36 9.66 10 10 13 12 11
Consolidated Net Income / (Loss)		 9.89 8.37 7.06 6.36 9.66 10 10 13 12 11
Net Income / (Loss) Continuing Operations		 9.89 8.37 7.06 6.36 9.66 10 10 13 12 11
Total Pre-Tax Income 		11 9.92 8.08 7.20 11 12 12 15 15 13
Total Revenue		 40 39 38 37 39 40 40 44 43 36
Net Interest Income / (Expense)		 31 29 28 28 30 32 31 33 33 30
Total Interest Income		 53 53 51 50 49 47 45 43 43 33
Loans and Leases Interest Income		 47 47 45 44 43 41 39 38 38 27
Investment Securities Interest Income		 5.73 5.63 5.44 5.31 5.27 5.34 5.30 5.10 4.88 4.93
Total Interest Expense		 22 24 23 22 19 15 13 10 10 2.09
Deposits Interest Expense		 17 17 16 16 13 9.58 7.53 3.23 1.49 0.94
Short-Term Borrowings Interest Expense		 2.54 5.34 6.09 4.53 3.89 3.26 3.13 4.28 2.51 0.18
Long-Term Debt Interest Expense		 1.20 1.24 1.25 1.24 1.24 1.24 1.20 1.17 1.08 0.98
Federal Funds Purchased and Securities Sold Interest Expense		 0.76 0.00 0.00 0.00 0.01 1.01 1.41 1.65 5.25 0.00
Total Non-Interest Income		 9.02 9.69 11 8.50 8.82 8.13 9.15 11 10 5.73
Trust Fees by Commissions		 1.46 1.44 1.34 1.28 1.20 1.20 1.18 1.19 1.19 1.21
Other Service Charges		 4.11 3.45 4.35 4.48 4.88 3.89 5.01 7.01 4.90 3.76
Net Realized & Unrealized Capital Gains on Investments		 1.39 1.65 0.96 0.72 1.02 0.86 0.45 0.56 1.41 0.51
Other Non-Interest Income		 2.05 3.15 3.90 2.02 1.72 2.18 2.51 2.30 2.56 0.26
Provision for Credit Losses		 0.70 1.02 1.66 1.99 1.73 0.76 1.13 0.82 0.75 0.30
Total Non-Interest Expense		 28 28 29 28 26 27 28 27 27 23
Salaries and Employee Benefits		 15 16 16 15 14 14 15 15 14 12
Net Occupancy & Equipment Expense		 3.89 4.27 4.29 4.45 4.68 4.71 4.69 4.64 5.54 2.74
Marketing Expense		 0.45 0.72 0.45 0.48 -0.19 0.50 0.54 0.51 0.44 0.37
Other Operating Expenses		 8.34 7.27 7.71 6.91 6.48 7.37 7.04 6.78 6.51 6.51
Income Tax Expense		 1.49 1.55 1.02 0.84 1.58 1.86 1.68 2.53 2.43 2.21
Basic Earnings per Share		 $0.62 $0.53 $0.45 $0.41 $0.61 $0.66 $0.64 $0.82 $0.78 $0.72
Weighted Average Basic Shares Outstanding		 15.48M 15.74M 15.14M 15.13M 15.69M 15.70M 15.19M 15.18M 15.72M 0.00
Diluted Earnings per Share		 $0.62 $0.53 $0.45 $0.41 $0.61 $0.66 $0.64 $0.82 $0.78 $0.72
Weighted Average Diluted Shares Outstanding		 15.48M 15.74M 0.00 0.00 15.69M 15.70M 0.00 0.00 15.72M 0.00
Weighted Average Basic & Diluted Shares Outstanding		 15.48M 15.74M 15.74M 15.73M 15.69M 15.70M 15.75M 15.77M 15.72M 15.73M

Annual Cash Flow Statements for Civista Bancshares

This table details how cash moves in and out of Civista Bancshares' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Change in Cash & Equivalents		 2.75 17 -221
Net Cash From Operating Activities		 48 63 25
Net Cash From Continuing Operating Activities		 48 63 25
Net Income / (Loss) Continuing Operations		 32 43 39
Consolidated Net Income / (Loss)		 32 43 39
Provision For Loan Losses		 5.36 4.44 1.75
Depreciation Expense		 9.55 11 4.46
Amortization Expense		 2.45 2.05 2.91
Non-Cash Adjustments to Reconcile Net Income		 4.36 -2.53 -1.86
Changes in Operating Assets and Liabilities, net		 -5.15 5.02 -22
Net Cash From Investing Activities		 -259 -312 -410
Net Cash From Continuing Investing Activities		 -259 -312 -410
Purchase of Property, Leasehold Improvements and Equipment		 -4.19 -3.43 -6.51
Purchase of Investment Securities		 -89 -53 -198
Sale of Property, Leasehold Improvements and Equipment		 4.24 0.00 0.18
Sale and/or Maturity of Investments		 51 60 110
Other Investing Activities, net		 -221 -314 -315
Net Cash From Financing Activities		 213 266 164
Net Cash From Continuing Financing Activities		 213 266 164
Net Change in Deposits		 227 365 -68
Issuance of Debt		 0.00 0.00 0.00
Repayment of Debt		 -3.31 -63 258
Repurchase of Common Equity		 -0.16 -1.63 -17
Payment of Dividends		 -10 -9.60 -8.49
Other Financing Activities, Net		 0.00 -25 -0.35
Cash Interest Paid		 90 48 11
Cash Income Taxes Paid		 4.89 9.51 3.15

Quarterly Cash Flow Statements for Civista Bancshares

This table details how cash moves in and out of Civista Bancshares' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 14 6.00 -7.27 -10 71 -14 -29 -10 30 -172
Net Cash From Operating Activities		 23 13 12 0.75 2.11 21 19 20 -2.24 -20
Net Cash From Continuing Operating Activities		 48 - - 0.00 63 - - 0.00 25 -
Net Income / (Loss) Continuing Operations		 32 - - 0.00 43 - - 0.00 39 -
Net Cash From Investing Activities		 -72 -23 -130 -34 -95 -131 -47 -39 -203 -113
Net Cash From Continuing Investing Activities		 -72 -23 -130 -34 -95 -133 -46 -39 -203 -113
Purchase of Investment Securities		 -62 -5.77 -17 -3.97 -10 -24 -3.37 -16 -56 -87
Sale and/or Maturity of Investments		 28 12 5.11 6.30 24 9.73 13 12 13 70
Other Investing Activities, net		 -38 -29 -118 -36 -106 -119 -56 -34 -156 -95
Net Cash From Financing Activities		 38 29 123 23 103 119 16 28 207 -59
Net Cash From Continuing Financing Activities		 38 29 123 23 103 119 16 28 207 -59
Net Change in Deposits		 -12 246 -3.08 -4.33 189 -147 99 224 -88 -18
Issuance of Debt		 51 -51 -31 31 -38 38 182 -182 -55 55
Repayment of Debt		 1.02 -164 159 -0.18 -46 239 -254 -1.80 348 -90
Payment of Dividends		 -2.52 -2.52 -2.52 -2.51 -2.51 -2.52 -2.37 -2.20 -2.20 -2.16
Cash Interest Paid		 28 52 3.75 6.29 22 21 3.40 1.63 5.73 1.41
Cash Income Taxes Paid		 0.02 3.51 1.35 0.00 2.18 4.84 2.49 0.01 -0.59 2.44

Annual Balance Sheets for Civista Bancshares

This table presents Civista Bancshares' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Total Assets		 4,098 3,861 3,639
Cash and Due from Banks		 63 60 43
Restricted Cash		 0.00 0.00 0.00
Interest Bearing Deposits at Other Banks		 1.45 1.23 1.48
Trading Account Securities		 656 635 635
Loans and Leases, Net of Allowance		 0.00 0.00 0.00
Premises and Equipment, Net		 47 57 64
Goodwill		 126 126 126
Intangible Assets		 7.88 9.51 11
Other Assets		 3,197 2,973 140
Total Liabilities & Shareholders' Equity		 4,098 3,861 3,639
Total Liabilities		 3,710 3,489 3,305
Non-Interest Bearing Deposits		 695 772 896
Interest Bearing Deposits		 2,517 2,213 1,724
Short-Term Debt		 12 360 25
Long-Term Debt		 451 106 618
Other Long-Term Liabilities		 36 38 41
Total Equity & Noncontrolling Interests		 389 372 335
Total Preferred & Common Equity		 389 372 335
Total Common Equity		 389 372 335
Common Stock		 312 311 310
Retained Earnings		 205 184 156
Treasury Stock		 -76 -75 -74
Accumulated Other Comprehensive Income / (Loss)		 -53 -48 -58

Quarterly Balance Sheets for Civista Bancshares

This table presents Civista Bancshares' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 3/31/2023 9/30/2022
Total Assets		 4,061 4,012 3,880 3,733 3,616 3,585 3,242
Cash and Due from Banks		 75 56 50 50 41 53 41
Interest Bearing Deposits at Other Banks		 1.45 1.45 1.45 1.47 1.72 1.72 1.48
Trading Account Securities		 646 632 627 617 639 645 626
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Premises and Equipment, Net		 50 52 54 59 61 62 30
Goodwill		 126 126 126 125 125 125 102
Intangible Assets		 8.31 8.71 9.10 9.92 10 11 12
Other Assets		 3,156 3,137 154 151 137 142 104
Total Liabilities & Shareholders' Equity		 4,061 4,012 3,880 3,733 3,616 3,585 3,242
Total Liabilities		 3,667 3,638 3,511 3,400 3,266 3,237 2,939
Non-Interest Bearing Deposits		 686 691 708 803 1,002 939 944
Interest Bearing Deposits		 2,537 2,286 2,273 1,993 1,940 1,905 1,764
Short-Term Debt		 8.20 22 23 0.00 6.79 16 39
Long-Term Debt		 399 606 475 549 261 333 166
Other Long-Term Liabilities		 36 32 32 55 55 45 21
Total Equity & Noncontrolling Interests		 394 374 370 333 350 348 303
Total Preferred & Common Equity		 394 374 370 333 350 348 303
Total Common Equity		 394 374 370 333 350 348 303
Common Stock		 312 312 311 311 311 310 300
Retained Earnings		 198 192 188 177 169 161 147
Treasury Stock		 -76 -76 -76 -75 -74 -74 -74
Accumulated Other Comprehensive Income / (Loss)		 -40 -54 -54 -79 -56 -50 -70

Annual Metrics And Ratios for Civista Bancshares

This table displays calculated financial ratios and metrics derived from Civista Bancshares' official financial filings.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Growth Metrics		 - - -
Revenue Growth		 -5.04% 16.79% 9.78%
EBITDA Growth		 -23.43% 16.59% 29.86%
EBIT Growth		 -27.74% 7.61% -2.78%
NOPAT Growth		 -26.26% 8.97% -2.76%
Net Income Growth		 -26.26% 8.97% -2.76%
EPS Growth		 -26.37% 5.00% -1.14%
Operating Cash Flow Growth		 -23.05% 148.97% -38.22%
Free Cash Flow Firm Growth		 -89.40% 149.55% -1,558.68%
Invested Capital Growth		 1.47% -14.26% 71.46%
Revenue Q/Q Growth		 0.98% -2.26% 9.86%
EBITDA Q/Q Growth		 33.30% 17.56% 16.39%
EBIT Q/Q Growth		 0.39% -6.19% 3.08%
NOPAT Q/Q Growth		 0.76% -5.48% 3.05%
Net Income Q/Q Growth		 0.76% -5.48% 3.05%
EPS Q/Q Growth		 0.50% -5.86% 2.36%
Operating Cash Flow Q/Q Growth		 73.98% 7.44% -25.69%
Free Cash Flow Firm Q/Q Growth		 -82.65% 155.37% -4,843.59%
Invested Capital Q/Q Growth		 6.16% -4.88% 93.05%
Profitability Metrics		 - - -
EBITDA Margin		 31.44% 38.99% 39.06%
EBIT Margin		 23.68% 31.12% 33.77%
Profit (Net Income) Margin		 20.51% 26.41% 28.31%
Tax Burden Percent		 86.63% 84.89% 83.82%
Interest Burden Percent		 100.00% 100.00% 100.00%
Effective Tax Rate		 13.37% 15.11% 16.18%
Return on Invested Capital (ROIC)		 3.75% 4.73% 5.09%
ROIC Less NNEP Spread (ROIC-NNEP)		 3.75% 4.73% 5.09%
Return on Net Nonoperating Assets (RNNOA)		 4.58% 7.43% 6.34%
Return on Equity (ROE)		 8.33% 12.16% 11.43%
Cash Return on Invested Capital (CROIC)		 2.29% 20.09% -47.56%
Operating Return on Assets (OROA)		 0.92% 1.35% 1.41%
Return on Assets (ROA)		 0.80% 1.15% 1.19%
Return on Common Equity (ROCE)		 8.33% 12.16% 11.43%
Return on Equity Simple (ROE_SIMPLE)		 8.16% 11.55% 11.78%
Net Operating Profit after Tax (NOPAT)		 32 43 39
NOPAT Margin		 20.51% 26.41% 28.31%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 52.32% 48.18% 46.76%
Operating Expenses to Revenue		 72.85% 66.16% 64.97%
Earnings before Interest and Taxes (EBIT)		 37 51 47
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 49 63 54
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 0.85 0.74 0.95
Price to Tangible Book Value (P/TBV)		 1.29 1.16 1.60
Price to Revenue (P/Rev)		 2.13 1.70 2.29
Price to Earnings (P/E)		 10.37 6.42 8.08
Dividend Yield		 3.07% 3.47% 2.77%
Earnings Yield		 9.65% 15.57% 12.38%
Enterprise Value to Invested Capital (EV/IC)		 0.85 0.81 0.94
Enterprise Value to Revenue (EV/Rev)		 4.70 4.19 6.58
Enterprise Value to EBITDA (EV/EBITDA)		 14.96 10.74 16.85
Enterprise Value to EBIT (EV/EBIT)		 19.86 13.45 19.49
Enterprise Value to NOPAT (EV/NOPAT)		 22.92 15.85 23.26
Enterprise Value to Operating Cash Flow (EV/OCF)		 15.05 10.86 36.41
Enterprise Value to Free Cash Flow (EV/FCFF)		 37.56 3.73 0.00
Leverage & Solvency		 - - -
Debt to Equity		 1.19 1.25 1.92
Long-Term Debt to Equity		 1.16 0.29 1.85
Financial Leverage		 1.22 1.57 1.24
Leverage Ratio		 10.47 10.61 9.64
Compound Leverage Factor		 10.47 10.61 9.64
Debt to Total Capital		 54.35% 55.64% 65.77%
Short-Term Debt to Total Capital		 1.37% 42.97% 2.57%
Long-Term Debt to Total Capital		 52.98% 12.68% 63.20%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00%
Common Equity to Total Capital		 45.65% 44.36% 34.23%
Debt to EBITDA		 9.52 7.36 11.83
Net Debt to EBITDA		 8.19 6.39 11.00
Long-Term Debt to EBITDA		 9.28 1.68 11.36
Debt to NOPAT		 14.60 10.86 16.32
Net Debt to NOPAT		 12.56 9.43 15.18
Long-Term Debt to NOPAT		 14.23 2.48 15.68
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 19 182 -368
Operating Cash Flow to CapEx		 0.00% 1,828.46% 398.15%
Free Cash Flow to Firm to Interest Expense		 0.21 3.19 -23.09
Operating Cash Flow to Interest Expense		 0.54 1.10 1.58
Operating Cash Flow Less CapEx to Interest Expense		 0.54 1.04 1.18
Efficiency Ratios		 - - -
Asset Turnover		 0.04 0.04 0.04
Fixed Asset Turnover		 2.97 2.69 3.22
Capital & Investment Metrics		 - - -
Invested Capital		 851 839 978
Invested Capital Turnover		 0.18 0.18 0.18
Increase / (Decrease) in Invested Capital		 12 -140 408
Enterprise Value (EV)		 726 681 917
Market Capitalization		 328 276 318
Book Value per Share		 $24.69 $23.70 $21.29
Tangible Book Value per Share		 $16.21 $15.10 $12.61
Total Capital		 851 839 978
Total Debt		 463 467 643
Total Long-Term Debt		 451 106 618
Net Debt		 398 405 599
Capital Expenditures (CapEx)		 -0.05 3.43 6.33
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 463 467 643
Total Depreciation and Amortization (D&A)		 12 13 7.37
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $2.01 $2.73 $0.00
Adjusted Weighted Average Basic Shares Outstanding		 15.48M 15.69M 0.00
Adjusted Diluted Earnings per Share		 $2.01 $2.73 $0.00
Adjusted Weighted Average Diluted Shares Outstanding		 15.48M 15.69M 0.00
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 15.48M 15.69M 0.00
Normalized Net Operating Profit after Tax (NOPAT)		 32 43 39
Normalized NOPAT Margin		 20.51% 26.41% 28.31%
Pre Tax Income Margin		 23.68% 31.12% 33.77%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 0.41 0.88 2.95
NOPAT to Interest Expense		 0.35 0.75 2.47
EBIT Less CapEx to Interest Expense		 0.41 0.82 2.55
NOPAT Less CapEx to Interest Expense		 0.35 0.69 2.08
Payout Ratios		 - - -
Dividend Payout Ratio		 31.76% 22.34% 21.54%
Augmented Payout Ratio		 32.28% 26.13% 64.37%

Quarterly Metrics And Ratios for Civista Bancshares

This table displays calculated financial ratios and metrics derived from Civista Bancshares' official financial filings.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 3.85% -1.79% -5.42% -15.56% -8.81% 9.55% 35.40% 42.83% 41.46% 17.22%
EBITDA Growth		 1.26% -19.03% -30.24% -52.03% -25.00% -11.09% 29.68% 54.52% 11.88% 16.42%
EBIT Growth		 1.26% -19.03% -30.99% -53.33% -22.91% -8.04% 28.39% 53.90% 10.68% 14.73%
NOPAT Growth		 2.47% -19.46% -29.60% -50.65% -20.52% -6.52% 30.29% 52.23% 10.62% 15.25%
Net Income Growth		 2.47% -19.46% -29.60% -50.65% -20.52% -6.52% 30.29% 52.23% 10.62% 15.25%
EPS Growth		 1.64% -19.70% -29.69% -50.00% -21.79% -8.33% 20.75% 43.86% 8.33% 12.50%
Operating Cash Flow Growth		 974.63% -39.89% -38.09% -96.20% 194.06% 206.25% -49.81% 117.18% -134.61% -241.32%
Free Cash Flow Firm Growth		 -101.64% 124.25% -243.65% -12.23% 137.71% -1,780.79% -1,143.16% -2,870.12% -9,057.77% -107.34%
Invested Capital Growth		 1.47% -9.08% 62.12% 24.51% -14.26% 74.01% 24.02% 29.65% 71.46% 6.40%
Revenue Q/Q Growth		 3.73% 1.63% 3.85% -5.14% -1.91% -2.12% -7.28% 2.44% 17.85% 20.97%
EBITDA Q/Q Growth		 14.73% 17.36% 11.39% -34.72% -8.26% 1.11% -23.40% 5.55% 8.77% 47.46%
EBIT Q/Q Growth		 14.73% 22.67% 12.36% -35.96% -8.26% 4.55% -24.01% 5.76% 9.45% 45.97%
NOPAT Q/Q Growth		 18.25% 18.43% 11.07% -34.13% -7.05% 3.52% -22.14% 6.09% 9.32% 44.29%
Net Income Q/Q Growth		 18.25% 18.43% 11.07% -34.13% -7.05% 3.52% -22.14% 6.09% 9.32% 44.29%
EPS Q/Q Growth		 16.98% 17.78% 9.76% -32.79% -7.58% 3.13% -21.95% 5.13% 8.33% 35.85%
Operating Cash Flow Q/Q Growth		 75.29% 7.83% 1,491.49% -64.28% -90.20% 11.07% -2.34% 984.45% 88.92% -152.47%
Free Cash Flow Firm Q/Q Growth		 -102.77% 123.46% -129.34% -210.16% 140.91% -232.49% 25.10% 62.99% -1,940.26% -119.77%
Invested Capital Q/Q Growth		 6.16% -19.98% 15.54% 3.39% -4.88% 42.68% -11.27% -28.80% 93.05% 1.69%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 28.19% 25.48% 22.07% 20.57% 28.90% 30.90% 29.92% 36.21% 35.15% 38.08%
EBIT Margin		 28.19% 25.48% 21.11% 19.51% 28.90% 30.90% 28.93% 35.30% 34.19% 36.82%
Profit (Net Income) Margin		 24.51% 21.50% 18.45% 17.25% 24.84% 26.21% 24.78% 29.51% 28.50% 30.72%
Tax Burden Percent		 86.95% 84.36% 87.38% 88.39% 85.93% 84.81% 85.66% 83.60% 83.34% 83.44%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 13.05% 15.64% 12.62% 11.61% 14.07% 15.19% 14.34% 16.40% 16.66% 16.56%
Return on Invested Capital (ROIC)		 4.48% 3.91% 3.50% 3.44% 4.45% 6.28% 7.24% 7.29% 5.13% 7.92%
ROIC Less NNEP Spread (ROIC-NNEP)		 4.48% 3.91% 3.50% 3.44% 4.45% 6.28% 7.24% 7.29% 5.13% 7.92%
Return on Net Nonoperating Assets (RNNOA)		 5.47% 5.14% 4.33% 4.06% 6.98% 7.45% 5.15% 6.03% 6.38% 4.04%
Return on Equity (ROE)		 9.95% 9.04% 7.83% 7.49% 11.43% 13.73% 12.39% 13.32% 11.50% 11.96%
Cash Return on Invested Capital (CROIC)		 2.29% 13.25% -43.27% -17.17% 20.09% -47.47% -13.17% -18.72% -47.56% 1.58%
Operating Return on Assets (OROA)		 1.09% 1.00% 0.85% 0.81% 1.25% 1.47% 1.42% 1.59% 1.43% 1.51%
Return on Assets (ROA)		 0.95% 0.84% 0.74% 0.72% 1.08% 1.25% 1.21% 1.33% 1.19% 1.26%
Return on Common Equity (ROCE)		 9.95% 9.04% 7.83% 7.49% 11.43% 13.73% 12.39% 13.32% 11.50% 11.96%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 7.97% 8.95% 9.86% 0.00% 13.66% 13.20% 12.61% 0.00% 12.64%
Net Operating Profit after Tax (NOPAT)		 9.89 8.37 7.06 6.36 9.66 10 10 13 12 11
NOPAT Margin		 24.51% 21.50% 18.45% 17.25% 24.84% 26.21% 24.78% 29.51% 28.50% 30.72%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 47.64% 53.23% 53.47% 55.28% 47.97% 48.59% 49.92% 46.37% 47.83% 43.10%
Operating Expenses to Revenue		 70.09% 71.90% 74.57% 75.09% 66.65% 67.18% 68.29% 62.82% 64.04% 62.35%
Earnings before Interest and Taxes (EBIT)		 11 9.92 8.08 7.20 11 12 12 15 15 13
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 11 9.92 8.45 7.59 11 12 12 16 15 14
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 0.85 0.71 0.65 0.64 0.74 0.70 0.75 0.72 0.95 0.98
Price to Tangible Book Value (P/TBV)		 1.29 1.07 1.01 1.00 1.16 1.17 1.22 1.18 1.60 1.57
Price to Revenue (P/Rev)		 2.13 1.82 1.57 1.51 1.70 1.40 1.60 1.64 2.29 2.35
Price to Earnings (P/E)		 10.37 8.85 7.20 6.48 6.42 5.11 5.65 5.69 8.08 7.77
Dividend Yield		 3.07% 3.62% 4.17% 4.19% 3.47% 4.00% 3.45% 3.53% 2.77% 2.90%
Earnings Yield		 9.65% 11.30% 13.88% 15.43% 15.57% 19.58% 17.71% 17.56% 12.38% 12.86%
Enterprise Value to Invested Capital (EV/IC)		 0.85 0.76 0.81 0.79 0.81 0.83 0.79 0.78 0.94 0.91
Enterprise Value to Revenue (EV/Rev)		 4.70 3.98 5.28 4.37 4.19 4.38 2.98 3.57 6.58 3.62
Enterprise Value to EBITDA (EV/EBITDA)		 14.96 16.73 20.15 15.51 10.74 13.52 8.57 10.09 16.85 9.82
Enterprise Value to EBIT (EV/EBIT)		 19.86 16.73 20.95 16.08 13.45 13.52 8.83 10.37 19.49 10.06
Enterprise Value to NOPAT (EV/NOPAT)		 22.92 19.38 24.26 18.71 15.85 16.04 10.52 12.41 23.26 12.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 15.05 21.97 22.37 15.62 10.86 12.50 29.12 15.17 36.41 13.55
Enterprise Value to Free Cash Flow (EV/FCFF)		 37.56 5.47 0.00 0.00 3.73 0.00 0.00 0.00 0.00 59.14
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 1.19 1.03 1.68 1.35 1.25 1.65 0.77 1.00 1.92 0.67
Long-Term Debt to Equity		 1.16 1.01 1.62 1.28 0.29 1.65 0.75 0.96 1.85 0.55
Financial Leverage		 1.22 1.31 1.24 1.18 1.57 1.19 0.71 0.83 1.24 0.51
Leverage Ratio		 10.47 10.72 10.54 10.41 10.61 10.98 10.21 10.02 9.64 9.51
Compound Leverage Factor		 10.47 10.72 10.54 10.41 10.61 10.98 10.21 10.02 9.64 9.51
Debt to Total Capital		 54.35% 50.80% 62.69% 57.37% 55.64% 62.26% 43.38% 50.08% 65.77% 40.28%
Short-Term Debt to Total Capital		 1.37% 1.02% 2.17% 2.63% 42.97% 0.00% 1.10% 2.24% 2.57% 7.62%
Long-Term Debt to Total Capital		 52.98% 49.78% 60.52% 54.74% 12.68% 62.26% 42.28% 47.83% 63.20% 32.66%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 45.65% 49.20% 37.31% 42.63% 44.36% 37.74% 56.62% 49.92% 34.23% 59.72%
Debt to EBITDA		 9.52 11.18 15.58 11.32 7.36 10.17 4.73 6.47 11.83 4.37
Net Debt to EBITDA		 8.19 9.09 14.16 10.14 6.39 9.21 3.97 5.46 11.00 3.46
Long-Term Debt to EBITDA		 9.28 10.95 15.05 10.80 1.68 10.17 4.61 6.18 11.36 3.54
Debt to NOPAT		 14.60 12.95 18.77 13.65 10.86 12.08 5.81 7.95 16.32 5.33
Net Debt to NOPAT		 12.56 10.53 17.06 12.23 9.43 10.94 4.87 6.71 15.18 4.23
Long-Term Debt to NOPAT		 14.23 12.69 18.12 13.03 2.48 12.08 5.66 7.60 15.68 4.33
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -2.45 88 -377 -164 149 -365 -110 -146 -396 -19
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 611.38% 0.00% 0.00% 0.00% 3,579.39% -71.80% -3,769.96%
Free Cash Flow to Firm to Interest Expense		 -0.11 3.76 -16.50 -7.55 8.04 -24.15 -8.26 -14.18 -38.30 -9.26
Operating Cash Flow to Interest Expense		 1.03 0.55 0.52 0.03 0.11 1.42 1.46 1.92 -0.22 -9.65
Operating Cash Flow Less CapEx to Interest Expense		 1.03 0.55 0.53 0.03 0.11 1.42 1.50 1.86 -0.52 -9.91
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.05 0.05 0.05 0.04 0.04
Fixed Asset Turnover		 2.97 2.81 2.72 2.68 2.69 3.73 3.83 3.63 3.22 4.79
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 851 802 1,002 867 839 882 618 696 978 507
Invested Capital Turnover		 0.18 0.18 0.19 0.20 0.18 0.24 0.29 0.25 0.18 0.26
Increase / (Decrease) in Invested Capital		 12 -80 384 171 -140 375 120 159 408 30
Enterprise Value (EV)		 726 609 812 682 681 729 486 544 917 459
Market Capitalization		 328 278 241 236 276 232 261 250 318 297
Book Value per Share		 $24.69 $25.06 $23.77 $23.56 $23.70 $21.13 $22.19 $22.11 $21.29 $19.63
Tangible Book Value per Share		 $16.21 $16.56 $15.23 $14.98 $15.10 $12.56 $13.60 $13.48 $12.61 $12.28
Total Capital		 851 802 1,002 867 839 882 618 696 978 507
Total Debt		 463 407 628 497 467 549 268 349 643 204
Total Long-Term Debt		 451 399 606 475 106 549 261 333 618 166
Net Debt		 398 331 571 446 405 497 225 294 599 162
Capital Expenditures (CapEx)		 0.00 0.00 -0.12 0.12 0.00 0.00 -0.55 0.55 3.12 0.54
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 463 407 628 497 467 549 268 349 643 204
Total Depreciation and Amortization (D&A)		 0.00 0.00 0.37 0.39 0.00 0.00 0.40 0.40 0.41 0.46
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.62 $0.53 $0.45 $0.41 $0.61 $0.66 $0.64 $0.82 $0.78 $0.72
Adjusted Weighted Average Basic Shares Outstanding		 15.48M 15.74M 15.14M 15.13M 15.69M 0.00 0.00 0.00 15.72M 15.32M
Adjusted Diluted Earnings per Share		 $0.62 $0.53 $0.45 $0.41 $0.61 $0.66 $0.64 $0.82 $0.78 $0.72
Adjusted Weighted Average Diluted Shares Outstanding		 15.48M 15.74M 0.00 0.00 15.69M 0.00 0.00 0.00 15.72M 15.32M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 15.48M 15.74M 15.74M 15.73M 15.69M 15.70M 15.75M 15.77M 15.72M 15.73M
Normalized Net Operating Profit after Tax (NOPAT)		 9.89 8.37 7.06 6.36 9.66 10 10 13 12 11
Normalized NOPAT Margin		 24.51% 21.50% 18.45% 17.25% 24.84% 26.21% 24.78% 29.51% 28.50% 30.72%
Pre Tax Income Margin		 28.19% 25.48% 21.11% 19.51% 28.90% 30.90% 28.93% 35.30% 34.19% 36.82%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 0.52 0.42 0.35 0.33 0.61 0.81 0.88 1.49 1.41 6.36
NOPAT to Interest Expense		 0.45 0.36 0.31 0.29 0.52 0.69 0.76 1.25 1.18 5.31
EBIT Less CapEx to Interest Expense		 0.52 0.42 0.36 0.33 0.61 0.81 0.92 1.44 1.11 6.10
NOPAT Less CapEx to Interest Expense		 0.45 0.36 0.31 0.29 0.52 0.69 0.80 1.19 0.87 5.05
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 31.76% 31.98% 30.05% 27.19% 22.34% 20.44% 19.33% 19.62% 21.54% 21.94%
Augmented Payout Ratio		 32.28% 32.53% 35.01% 31.75% 26.13% 24.33% 33.16% 48.00% 64.37% 70.26%

Frequently Asked Questions About Civista Bancshares' Financials

When does Civista Bancshares's financial year end?

According to the most recent income statement we have on file, Civista Bancshares' fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Civista Bancshares' net income changed over the last 2 years?

Civista Bancshares' net income appears to be on a downward trend, with a most recent value of $31.68 million in 2024, falling from $39.43 million in 2022. The previous period was $42.96 million in 2023. See where experts think Civista Bancshares is headed by visiting Civista Bancshares' forecast page.

How has Civista Bancshares revenue changed over the last 2 years?

Over the last 2 years, Civista Bancshares' total revenue changed from $139.28 million in 2022 to $154.46 million in 2024, a change of 10.9%.

How much debt does Civista Bancshares have?

Civista Bancshares' total liabilities were at $3.71 billion at the end of 2024, a 6.3% increase from 2023, and a 12.3% increase since 2022.

How much cash does Civista Bancshares have?

In the past 2 years, Civista Bancshares' cash and equivalents has ranged from $43.36 million in 2022 to $63.16 million in 2024, and is currently $63.16 million as of their latest financial filing in 2024.

How has Civista Bancshares' book value per share changed over the last 2 years?

Over the last 2 years, Civista Bancshares' book value per share changed from 21.29 in 2022 to 24.69 in 2024, a change of 16.0%.


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This page (NASDAQ:CIVB) was last updated on 5/30/2025 by MarketBeat.com Staff
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