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Civista Bancshares (CIVB) Financials

Civista Bancshares logo
$20.83 -0.23 (-1.09%)
Closing price 09/12/2025 04:00 PM Eastern
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$20.83 0.00 (0.00%)
As of 09/12/2025 04:57 PM Eastern
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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 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 39 43 32
Consolidated Net Income / (Loss)		 39 43 32
Net Income / (Loss) Continuing Operations		 39 43 32
Total Pre-Tax Income 		47 51 37
Total Revenue		 139 163 154
Net Interest Income / (Expense)		 110 125 117
Total Interest Income		 126 183 207
Loans and Leases Interest Income		 108 161 184
Investment Securities Interest Income		 17 21 22
Other Interest Income		 1.12 0.98 1.01
Total Interest Expense		 16 57 90
Deposits Interest Expense		 3.84 34 66
Short-Term Borrowings Interest Expense		 3.08 15 18
Long-Term Debt Interest Expense		 3.78 4.85 4.93
Federal Funds Purchased and Securities Sold Interest Expense		 5.25 4.08 0.76
Total Non-Interest Income		 29 37 38
Trust Fees by Commissions		 4.90 4.77 5.52
Other Service Charges		 17 21 16
Net Realized & Unrealized Capital Gains on Investments		 3.53 2.89 4.72
Other Non-Interest Income		 3.29 8.71 11
Provision for Credit Losses		 1.75 4.44 5.36
Total Non-Interest Expense		 90 108 113
Salaries and Employee Benefits		 51 58 62
Net Occupancy & Equipment Expense		 13 19 17
Marketing Expense		 1.51 1.35 2.09
Other Operating Expenses		 24 28 30
Amortization Expense		 1.30 1.58 1.48
Income Tax Expense		 7.61 7.65 4.89
Preferred Stock Dividends Declared		 0.00 0.00 0.00
Basic Earnings per Share		 $2.60 $2.73 $2.01
Weighted Average Basic Shares Outstanding		 15.72M 15.69M 15.48M
Diluted Earnings per Share		 $2.60 $2.73 $2.01
Weighted Average Diluted Shares Outstanding		 15.72M 15.69M 15.48M
Weighted Average Basic & Diluted Shares Outstanding		 15.72M 15.69M 15.48M

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

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

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

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

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

Annual Metrics And Ratios for Civista Bancshares

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

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

Quarterly Metrics And Ratios for Civista Bancshares

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

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

Key Financial Trends

Civista Bancshares (NASDAQ: CIVB) has demonstrated solid financial performance and balance sheet strength over the last several quarters through Q4 2024, with some key trends observed in earnings, revenue, expenses, and cash flow activity.

Positive trends:

  • Net interest income increased sequentially from $29.2 million in Q3 2024 to $31.4 million in Q4 2024, driven by higher loans and leases interest income.
  • Total non-interest income in Q4 2024 was $9.0 million, reflecting diversification beyond interest income to trust fees, service charges, realized capital gains, and other income.
  • Net income to common shareholders rose to $9.9 million in Q4 2024, up from $8.4 million in Q3 2024, supporting steady EPS growth to $0.62 per share in Q4 vs. $0.53 in Q3.
  • Civista generated strong operating cash flow of $48.2 million in Q4 2024, up from $12.9 million in Q3 2024, indicating improved cash generation capacity.
  • The company maintained solid capital levels, with common equity at approximately $394.4 million as of Q3 2024, up from prior periods.
  • Issuance of debt largely financed investing activities while cash interest paid amounted to $28.2 million in Q4 2024, consistent with its borrowing strategy.

Neutral observations:

  • Civista Bancshares held no loans and leases net of allowance on the balance sheet as of Q3 2024, indicating a lending strategy focused on loan sales or other credit instruments.
  • Total assets steadily increased over the period, reaching $4.06 billion by Q3 2024, mainly comprised of trading account securities and other assets.
  • Total deposits fluctuated but remained over $3 billion, with a mix of interest-bearing and non-interest-bearing deposits across quarters.
  • Weighted average shares outstanding have remained stable around 15.3-15.7 million shares, indicating limited dilution from equity issuances.

Negative trends / risks:

  • The provision for credit losses increased to $696,000 in Q4 2024 from $1.02 million in Q3, which could indicate rising credit risk or conservative provisioning.
  • Total non-interest expense rose to $28.3 million in Q4 2024 from $27.9 million in Q3 2024, driven by salaries, equipment expenses, and other operational costs, potentially squeezing margins.
  • Cash flows from investing activities were negative $71.7 million in Q4 2024, reflecting aggressive purchases of investment securities and other asset investments, which could pressure liquidity.
  • Repayments of debt rose substantially from Q3 to Q4 2024, adding financing pressures despite concurrent new debt issuances.
  • Accumulated other comprehensive losses rose to negative $39.9 million as of Q3 2024, reflecting potential unrealized losses affecting equity.

Overall, Civista Bancshares shows steady growth in net interest income and profitability, supported by strong operating cash flow and stable capital structure. However, increased provisions, rising non-interest expenses, and negative investing cash flow present some caution. Investors should monitor future credit trends and expense management as key factors influencing the company’s financial health going forward.

09/15/25 03:40 AM ETAI Generated. May Contain Errors.

Financials Breakdown Chart

Frequently Asked Questions About Civista Bancshares' Financials

When does Civista Bancshares' fiscal year end?

According to the most recent income statement we have on file, Civista Bancshares' financial year ends in December. Their financial 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 Civista Bancshares' forecast for analyst expectations on what’s next for the company.

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 9/15/2025 by MarketBeat.com Staff
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