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Civista Bancshares (CIVB) Financials

Civista Bancshares logo
$28.46 0.00 (0.00%)
Closing price 07/2/2026 04:00 PM Eastern
Extended Trading
$28.34 -0.12 (-0.40%)
As of 05:43 AM 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 11 16 15 13 33 32 41 39 43 32 46
Consolidated Net Income / (Loss)		 13 17 16 14 34 32 41 39 43 32 46
Net Income / (Loss) Continuing Operations		 13 17 16 14 34 32 41 39 43 32 46
Total Pre-Tax Income 		18 24 22 17 40 37 48 47 51 37 55
Total Revenue		 62 66 71 84 108 118 127 139 163 154 173
Net Interest Income / (Expense)		 47 50 55 66 85 90 95 110 125 117 139
Total Interest Income		 51 54 59 74 98 100 105 126 183 207 221
Loans and Leases Interest Income		 45 47 51 64 85 88 93 108 161 184 195
Investment Securities Interest Income		 5.82 5.99 6.90 8.75 12 11 12 17 21 22 24
Other Interest Income		 0.10 0.40 0.50 0.74 0.85 0.61 0.45 1.12 0.98 1.01 1.22
Total Interest Expense		 3.31 3.31 4.09 7.57 13 10 9.63 16 57 90 82
Deposits Interest Expense		 2.09 2.00 2.34 3.76 8.06 6.88 4.18 3.84 34 66 64
Short-Term Borrowings Interest Expense		 0.44 0.41 0.70 2.47 3.45 1.93 1.16 3.08 15 18 13
Long-Term Debt Interest Expense		 0.76 0.88 1.04 1.32 1.42 0.95 0.96 3.78 4.85 4.93 4.64
Federal Funds Purchased and Securities Sold Interest Expense		 - 0.02 0.02 0.02 0.02 0.38 3.34 5.25 4.08 0.76 0.56
Total Non-Interest Income		 14 16 16 18 22 28 31 29 37 38 34
Trust Fees by Commissions		 - - - 3.67 3.67 3.98 4.86 4.90 4.77 5.52 5.54
Other Service Charges		 13 14 14 13 15 15 15 17 21 16 16
Net Realized & Unrealized Capital Gains on Investments		 1.29 1.92 1.73 1.23 2.86 8.60 10 3.53 2.89 4.72 4.76
Other Non-Interest Income		 0.47 0.56 0.57 0.72 1.01 0.98 1.20 3.29 8.71 11 7.71
Provision for Credit Losses		 1.20 -1.30 - 0.78 1.04 10 0.83 1.75 4.44 5.36 3.38
Total Non-Interest Expense		 43 44 49 67 67 71 78 90 108 113 114
Salaries and Employee Benefits		 24 25 29 37 39 42 45 51 58 62 59
Net Occupancy & Equipment Expense		 5.74 5.89 6.09 12 7.91 7.97 7.78 13 19 17 16
Marketing Expense		 1.04 0.93 0.82 1.18 1.41 1.07 1.10 1.51 1.35 2.09 1.39
Other Operating Expenses		 11 10 11 16 18 18 23 24 28 30 36
Amortization Expense		 0.71 0.70 0.59 0.37 0.95 0.91 0.89 1.30 1.58 1.48 1.56
Income Tax Expense		 4.78 6.62 6.36 2.64 5.68 4.94 7.84 7.61 7.65 4.89 9.02
Preferred Stock Dividends Declared		 1.58 1.50 1.24 0.96 0.65 0.00 0.00 0.00 0.00 0.00 0.00
Basic Earnings per Share		 $1.43 $1.96 $1.48 $1.10 $2.12 $2.00 $2.63 $2.60 $2.73 $2.01 $2.64
Weighted Average Basic Shares Outstanding		 8.50M 8.01M 9.91M 11.97M 16.54M 15.85M 14.89M 15.72M 15.69M 15.48M 20.74M
Diluted Earnings per Share		 $1.17 $1.57 $1.28 $1.02 $2.01 $2.00 $2.63 $2.60 $2.73 $2.01 $2.64
Weighted Average Diluted Shares Outstanding		 8.50M 8.01M 9.91M 11.97M 16.54M 15.85M 14.89M 15.72M 15.69M 15.48M 20.74M
Weighted Average Basic & Diluted Shares Outstanding		 8.50M 8.01M 9.91M 11.97M 16.54M 15.85M 14.89M 15.72M 15.69M 15.48M 20.74M

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 10 9.66 6.36 7.06 8.37 9.89 10 11 13 12 15
Consolidated Net Income / (Loss)		 10 9.66 6.36 7.06 8.37 9.89 10 11 13 12 15
Net Income / (Loss) Continuing Operations		 10 9.66 6.36 7.06 8.37 9.89 10 11 13 12 15
Total Pre-Tax Income 		12 11 7.20 8.08 9.92 11 12 13 16 15 18
Total Revenue		 40 39 37 38 39 40 41 41 44 46 47
Net Interest Income / (Expense)		 32 30 28 28 29 31 33 35 35 36 38
Total Interest Income		 47 49 50 51 53 53 54 56 55 56 56
Loans and Leases Interest Income		 41 43 44 45 47 47 48 50 49 49 49
Investment Securities Interest Income		 5.34 5.27 5.31 5.44 5.63 5.73 5.90 6.09 6.25 6.07 6.26
Deposits and Money Market Investments Interest Income		 0.72 - 0.34 0.21 0.22 - 0.19 0.21 0.28 - 0.32
Total Interest Expense		 15 19 22 23 24 22 21 21 21 19 18
Deposits Interest Expense		 9.58 13 16 16 17 17 16 16 16 17 15
Short-Term Borrowings Interest Expense		 3.26 3.89 4.53 6.09 5.34 2.54 3.94 4.61 3.07 1.40 1.35
Long-Term Debt Interest Expense		 1.24 1.24 1.24 1.25 1.24 1.20 1.31 1.29 1.28 0.76 1.18
Federal Funds Purchased and Securities Sold Interest Expense		 1.01 0.01 0.00 0.00 0.00 0.76 0.00 0.00 0.00 0.56 0.00
Total Non-Interest Income		 8.13 8.82 8.26 10 10 9.02 7.86 6.59 9.63 9.89 9.43
Trust Fees by Commissions		 1.20 1.20 1.28 1.34 1.44 1.46 1.34 1.33 1.40 1.47 1.43
Other Service Charges		 3.89 4.88 4.23 4.18 3.86 4.11 3.66 3.59 3.93 4.78 4.34
Net Realized & Unrealized Capital Gains on Investments		 0.86 1.02 0.72 0.96 1.65 1.39 0.58 0.77 1.71 1.71 1.64
Other Non-Interest Income		 2.18 1.72 2.02 3.90 3.15 2.05 2.28 0.91 2.60 1.92 2.02
Provision for Credit Losses		 0.76 1.73 1.99 1.66 1.02 0.70 1.57 1.03 0.20 0.59 -0.63
Total Non-Interest Expense		 27 26 27 28 28 28 27 27 28 31 30
Salaries and Employee Benefits		 14 14 15 16 16 15 14 15 15 15 16
Net Occupancy & Equipment Expense		 4.71 4.68 4.45 4.29 4.27 3.89 4.30 3.72 4.23 4.11 4.44
Marketing Expense		 0.50 -0.19 0.48 0.45 0.72 0.45 0.30 0.29 0.39 0.41 0.48
Other Operating Expenses		 7.37 6.48 6.67 7.55 7.32 8.34 8.15 8.13 8.23 11 8.03
Amortization Expense		 - - 0.39 0.37 0.36 - 0.33 0.34 0.32 0.58 0.70
Income Tax Expense		 1.86 1.58 0.84 1.02 1.55 1.49 1.77 1.88 2.89 2.48 3.02
Basic Earnings per Share		 $0.66 $0.61 $0.41 $0.45 $0.53 $0.62 $0.66 $0.71 $0.68 $0.59 $0.72
Weighted Average Basic Shares Outstanding		 15.70M 15.69M 15.73M 15.74M 15.74M 15.48M 15.52M 19.31M 19.31M 20.74M 20.78M
Diluted Earnings per Share		 $0.66 $0.61 $0.41 $0.45 $0.53 $0.62 $0.66 $0.71 $0.68 $0.59 $0.72
Weighted Average Diluted Shares Outstanding		 15.70M 15.69M 15.73M 15.74M 15.74M 15.48M 15.52M 19.31M 19.31M 20.74M 20.78M
Weighted Average Basic & Diluted Shares Outstanding		 15.70M 15.69M 15.73M 15.74M 15.74M 15.48M 15.52M 19.31M 19.31M 20.74M 20.78M

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 5.70 1.13 3.82 2.26 4.78 90 127 -221 17 2.75 14
Net Cash From Operating Activities		 15 18 21 20 39 33 41 25 63 48 43
Net Cash From Continuing Operating Activities		 15 18 21 20 39 33 41 25 63 48 43
Net Income / (Loss) Continuing Operations		 13 17 16 14 34 32 41 39 43 32 46
Consolidated Net Income / (Loss)		 13 17 16 14 34 32 41 39 43 32 46
Provision For Loan Losses		 1.20 -1.30 - 0.78 1.04 10 0.83 1.75 4.44 5.36 3.38
Depreciation Expense		 1.19 1.26 1.25 1.52 2.24 2.25 1.98 4.46 11 9.55 8.32
Amortization Expense		 1.97 1.91 2.17 1.37 1.50 -3.03 -8.46 2.91 2.05 2.45 2.12
Non-Cash Adjustments to Reconcile Net Income		 -0.76 0.02 -0.13 1.31 -1.52 -5.11 2.56 -1.86 -2.53 4.36 -15
Changes in Operating Assets and Liabilities, net		 -1.28 -1.39 1.66 0.51 1.67 -3.76 3.31 -22 5.02 -5.15 -2.14
Net Cash From Investing Activities		 -12 -64 -146 -34 -151 -341 -130 -410 -312 -259 56
Net Cash From Continuing Investing Activities		 -12 -64 -146 -34 -150 -341 -130 -410 -312 -259 56
Purchase of Property, Leasehold Improvements and Equipment		 -2.00 -2.44 -1.02 -1.47 -3.20 -1.97 -1.93 -6.51 -3.43 -4.19 -1.16
Purchase of Investment Securities		 -45 -100 -181 -234 -73 -56 -269 -198 -53 -89 -124
Sale of Property, Leasehold Improvements and Equipment		 3.49 0.00 0.14 1.19 0.00 0.01 0.01 0.18 0.00 4.24 1.39
Divestitures		 0.93 - - - - - - - 0.00 0.00 149
Sale and/or Maturity of Investments		 31 39 35 201 72 61 69 110 60 51 113
Other Investing Activities, net		 - - - - -146 -343 71 -315 -314 -221 -83
Net Cash From Financing Activities		 2.53 47 129 16 117 399 217 164 266 213 -85
Net Cash From Continuing Financing Activities		 2.53 47 129 16 117 399 217 164 266 213 -85
Net Change in Deposits		 -3.75 69 84 -101 99 511 227 -68 365 227 18
Issuance of Debt		 11 - 26 132 125 184 73 0.00 0.00 0.00 0.00
Issuance of Common Equity		 - - 33 - - - - - 0.00 0.00 76
Repayment of Debt		 -5.00 -23 -2.50 -10 -92 -285 -50 258 -63 -3.31 -167
Repurchase of Common Equity		 - - -0.00 0.00 -3.91 -13 -22 -17 -1.63 -0.16 -0.18
Payment of Dividends		 -3.14 -3.25 -3.68 -4.75 -7.19 -7.12 -8.04 -8.49 -9.60 -10 -12
Other Financing Activities, Net		 3.43 3.88 -7.17 0.44 -3.53 10 -3.42 -0.35 -25 0.00 0.00
Cash Interest Paid		 3.32 3.25 3.86 7.75 13 10 6.21 11 48 90 87
Cash Income Taxes Paid		 3.65 5.90 5.95 1.60 5.70 7.10 6.18 3.15 9.51 4.89 8.08

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -14 71 -10 -7.27 6.00 14 24 -31 -30 48 -5.98
Net Cash From Operating Activities		 21 2.11 0.75 12 13 23 3.61 11 19 9.61 12
Net Cash From Continuing Operating Activities		 - 63 0.00 - - 48 0.00 -0.21 - 43 0.00
Net Income / (Loss) Continuing Operations		 - 43 0.00 - - 32 0.00 - - 46 0.00
Net Cash From Investing Activities		 -131 -95 -34 -130 -23 -72 -21 -55 66 66 38
Net Cash From Continuing Investing Activities		 -133 -95 -34 -130 -23 -72 -21 -55 66 66 38
Purchase of Property, Leasehold Improvements and Equipment		 - - -0.12 0.12 - - -0.16 -0.22 -0.56 -0.22 -0.44
Purchase of Investment Securities		 -24 -10 -3.97 -17 -5.77 -62 -43 -13 -15 -53 -37
Sale of Property, Leasehold Improvements and Equipment		 - - 0.00 - - - 0.20 0.71 - 0.48 0.00
Sale and/or Maturity of Investments		 9.73 24 6.30 5.11 12 28 45 9.61 20 38 36
Other Investing Activities, net		 -119 -106 -36 -118 -29 -38 -23 -52 62 -69 40
Net Cash From Financing Activities		 119 103 23 123 29 38 45 27 -96 -61 -44
Net Cash From Continuing Financing Activities		 119 103 23 123 29 38 45 27 -96 -61 -44
Net Change in Deposits		 -147 189 -4.33 -3.08 246 -12 27 -43 34 -0.10 35
Issuance of Debt		 38 -38 31 -31 -51 51 21 74 -202 107 -75
Issuance of Common Equity		 - - - - - - 0.00 - - - 0.00
Repayment of Debt		 239 -46 -0.18 159 -164 1.02 -0.30 -1.01 -0.81 -165 -0.61
Repurchase of Common Equity		 -1.50 -0.01 -0.15 - -0.01 - -0.17 - -0.01 -0.00 -0.32
Payment of Dividends		 -2.52 -2.51 -2.51 -2.52 -2.52 -2.52 -2.63 -2.64 -3.28 -3.28 -3.73
Other Financing Activities, Net		 -6.79 - 0.00 - - - 0.00 - - - 0.00
Cash Interest Paid		 21 22 25 3.75 52 28 24 20 20 23 18
Cash Income Taxes Paid		 4.84 2.18 0.00 1.35 3.51 0.02 0.09 4.70 2.58 0.71 0.09

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 1,315 1,377 1,526 2,139 2,310 2,769 3,013 3,639 3,861 4,098 4,336
Cash and Due from Banks		 36 37 41 43 49 126 253 43 60 63 77
Interest Bearing Deposits at Other Banks		 - - - - - 2.47 1.73 1.48 1.23 1.45 1.17
Trading Account Securities		 212 212 233 349 371 393 574 635 635 656 695
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Premises and Equipment, Net		 17 18 18 22 23 23 22 64 57 47 41
Goodwill		 27 27 27 77 77 77 77 126 126 126 130
Intangible Assets		 2.41 1.78 1.28 9.35 8.31 8.08 7.58 11 9.51 7.88 13
Other Assets		 1,021 1,082 1,206 91 88 96 95 140 2,973 3,197 3,379
Total Liabilities & Shareholders' Equity		 1,315 1,377 1,526 2,139 2,310 2,769 3,013 3,639 3,861 4,098 4,336
Total Liabilities		 1,190 1,240 1,341 1,840 1,979 2,419 2,658 3,305 3,489 3,710 3,793
Non-Interest Bearing Deposits		 301 346 362 468 513 721 789 896 772 695 702
Interest Bearing Deposits		 751 776 843 1,112 1,166 1,469 1,628 1,724 2,213 2,517 2,764
Short-Term Debt		 25 29 22 22 19 51 37 25 360 351 175
Long-Term Debt		 101 78 101 223 256 154 179 618 106 112 109
Other Long-Term Liabilities		 12 12 13 15 26 24 26 41 38 36 42
Total Equity & Noncontrolling Interests		 125 138 184 299 330 350 355 335 372 389 543
Total Preferred & Common Equity		 125 138 184 299 330 350 355 335 372 389 543
Total Common Equity		 103 119 167 290 330 350 355 335 372 389 543
Common Stock		 115 119 154 267 276 277 278 310 311 312 420
Retained Earnings		 5.30 19 32 41 68 93 126 156 184 205 240
Treasury Stock		 -17 -17 -17 -17 -21 -35 -57 -74 -75 -76 -76
Accumulated Other Comprehensive Income / (Loss)		 -0.50 -2.34 -1.12 -1.45 6.87 15 8.82 -58 -48 -53 -40

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 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 3,242 3,585 3,616 3,733 3,880 4,012 4,061 4,147 4,186 4,113 4,298
Cash and Due from Banks		 41 53 41 50 50 56 75 90 74 63 84
Interest Bearing Deposits at Other Banks		 1.48 1.72 1.72 1.47 1.45 1.45 1.45 0.96 0.72 0.74 2.88
Trading Account Securities		 626 645 639 617 627 632 646 656 659 669 692
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 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 45 43 41 39
Goodwill		 102 125 125 125 126 126 126 126 126 126 130
Intangible Assets		 12 11 10 9.92 9.10 8.71 8.31 7.51 7.11 6.76 12
Other Assets		 104 142 137 151 154 3,137 3,156 3,221 3,277 3,208 3,338
Total Liabilities & Shareholders' Equity		 3,242 3,585 3,616 3,733 3,880 4,012 4,061 4,147 4,186 4,113 4,298
Total Liabilities		 2,939 3,237 3,266 3,400 3,511 3,638 3,667 3,749 3,782 3,614 3,746
Non-Interest Bearing Deposits		 944 939 1,002 803 708 691 686 649 648 652 704
Interest Bearing Deposits		 1,764 1,905 1,940 1,993 2,273 2,286 2,537 2,590 2,549 2,579 2,798
Short-Term Debt		 39 16 6.79 0.00 23 22 8.20 8.92 434 238 100
Long-Term Debt		 166 333 261 549 475 606 399 472 111 110 109
Other Long-Term Liabilities		 21 45 55 55 32 32 36 30 41 36 36
Total Equity & Noncontrolling Interests		 303 348 350 333 370 374 394 397 404 499 552
Total Preferred & Common Equity		 303 348 350 333 370 374 394 397 404 499 552
Total Common Equity		 303 348 350 333 370 374 394 397 404 499 552
Common Stock		 300 310 311 311 311 312 312 312 313 388 420
Retained Earnings		 147 161 169 177 188 192 198 213 221 231 251
Treasury Stock		 -74 -74 -74 -75 -76 -76 -76 -76 -76 -76 -76
Accumulated Other Comprehensive Income / (Loss)		 -70 -50 -56 -79 -54 -54 -40 -52 -54 -44 -43

Annual Metrics And Ratios for Civista Bancshares

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

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 7,843,578.00 8,239,247.00 10,170,935.00 15,401,530.00 15,479,257.00 15,914,173.00 15,025,972.00 - - - 19,312,879.00
DEI Adjusted Shares Outstanding		 7,843,578.00 8,239,247.00 10,170,935.00 15,401,530.00 15,479,257.00 15,914,173.00 15,025,972.00 - - - 19,312,879.00
DEI Earnings Per Adjusted Shares Outstanding		 1.62 2.09 1.56 0.92 2.19 2.02 2.70 - - - 2.39
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 10.64% 7.66% 6.70% 18.92% 27.67% 9.64% 7.61% 9.78% 16.79% -5.04% 11.71%
EBITDA Growth		 29.26% 30.54% -5.02% -23.32% 120.21% -16.05% 15.24% 29.86% 16.59% -23.43% 35.22%
EBIT Growth		 38.11% 36.00% -6.73% -24.53% 135.78% -6.14% 30.29% -2.78% 7.61% -27.74% 51.02%
NOPAT Growth		 33.76% 35.09% -7.81% -10.92% 139.61% -4.98% 25.95% -2.76% 8.97% -26.26% 45.86%
Net Income Growth		 33.76% 35.09% -7.81% -10.92% 139.61% -4.98% 25.95% -2.76% 8.97% -26.26% 45.86%
EPS Growth		 37.65% 34.19% -18.47% -20.31% 97.06% -0.50% 31.50% -1.14% 5.00% -26.37% 31.34%
Operating Cash Flow Growth		 1.26% 17.49% 17.56% -5.74% 97.71% -15.84% 24.83% -38.22% 148.97% -23.05% -10.31%
Free Cash Flow Firm Growth		 15.53% 496.72% -300.11% -371.25% 87.99% 405.73% -69.10% -1,558.68% 149.55% -89.40% 259.84%
Invested Capital Growth		 8.05% -2.54% 25.80% 76.93% 11.14% -8.19% 2.76% 71.46% -14.26% 1.47% -2.75%
Revenue Q/Q Growth		 2.83% 0.60% 9.21% 37.61% -14.23% 3.83% -0.83% 9.86% -2.26% 0.98% 3.58%
EBITDA Q/Q Growth		 15.07% 18.35% 37.89% -4.99% 16.96% -16.73% -12.88% 16.39% 17.56% 33.30% 23.39%
EBIT Q/Q Growth		 1.38% 7.85% 23.90% -18.93% 6.85% -13.11% 2.52% 3.08% -6.19% 0.39% 6.50%
NOPAT Q/Q Growth		 7.86% 2.57% 2.25% -17.88% -6.14% 7.81% 2.04% 3.05% -5.48% 0.76% 5.42%
Net Income Q/Q Growth		 7.86% 2.57% 2.25% 34.01% 0.81% 7.81% 2.04% 3.05% -5.48% 0.76% 5.42%
EPS Q/Q Growth		 7.34% 2.61% -2.29% 30.77% -3.37% 9.29% 3.14% 2.36% -5.86% 0.50% -1.12%
Operating Cash Flow Q/Q Growth		 -48.49% 47.38% 14.31% -31.11% 71.24% -21.47% -2.13% -25.69% 7.44% 73.98% -22.81%
Free Cash Flow Firm Q/Q Growth		 85.98% -38.23% -8.93% -22.28% 70.75% 189.81% -91.42% -4,843.59% 155.37% -82.65% 4,366.22%
Invested Capital Q/Q Growth		 2.03% 8.92% 8.56% 12.79% -0.84% -24.02% 19.80% 93.05% -4.88% 6.16% -2.30%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 33.54% 40.67% 36.21% 23.34% 40.27% 30.83% 33.02% 39.06% 38.99% 31.44% 38.06%
EBIT Margin		 28.42% 35.90% 31.39% 19.92% 36.79% 31.49% 38.13% 33.77% 31.12% 23.68% 32.01%
Profit (Net Income) Margin		 20.67% 25.93% 22.41% 16.78% 31.50% 27.30% 31.96% 28.31% 26.41% 20.51% 26.78%
Tax Burden Percent		 72.72% 72.23% 71.39% 84.27% 85.63% 86.70% 83.81% 83.82% 84.89% 86.63% 83.66%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 27.28% 27.77% 28.61% 15.73% 14.37% 13.30% 16.19% 16.18% 15.11% 13.37% 16.34%
Return on Invested Capital (ROIC)		 5.28% 6.95% 5.75% 3.32% 5.90% 5.55% 7.20% 5.09% 4.73% 3.75% 5.51%
ROIC Less NNEP Spread (ROIC-NNEP)		 5.28% 6.95% 5.75% 3.32% 5.90% 5.55% 7.20% 5.09% 4.73% 3.75% 5.51%
Return on Net Nonoperating Assets (RNNOA)		 5.30% 6.15% 4.11% 2.53% 4.87% 3.91% 4.29% 6.34% 7.43% 4.58% 4.41%
Return on Equity (ROE)		 10.57% 13.10% 9.86% 5.85% 10.77% 9.47% 11.50% 11.43% 12.16% 8.33% 9.92%
Cash Return on Invested Capital (CROIC)		 -2.46% 9.53% -17.10% -52.24% -4.65% 14.09% 4.49% -47.56% 20.09% 2.29% 8.29%
Operating Return on Assets (OROA)		 1.39% 1.77% 1.53% 0.92% 1.78% 1.46% 1.67% 1.41% 1.35% 0.92% 1.31%
Return on Assets (ROA)		 1.01% 1.28% 1.09% 0.77% 1.52% 1.27% 1.40% 1.19% 1.15% 0.80% 1.10%
Return on Common Equity (ROCE)		 9.60% 11.05% 8.75% 5.53% 10.61% 9.47% 11.50% 11.43% 12.16% 8.33% 9.92%
Return on Equity Simple (ROE_SIMPLE)		 10.18% 12.51% 8.60% 4.73% 10.26% 9.19% 11.41% 11.78% 11.55% 8.16% 8.50%
Net Operating Profit after Tax (NOPAT)		 13 17 16 14 34 32 41 39 43 32 46
NOPAT Margin		 20.67% 25.93% 22.41% 16.78% 31.50% 27.30% 31.96% 28.31% 26.41% 20.51% 26.78%
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% 0.00%
SG&A Expenses to Revenue		 49.31% 48.41% 51.05% 60.11% 45.08% 43.69% 42.22% 46.76% 48.18% 52.32% 44.33%
Operating Expenses to Revenue		 69.64% 66.06% 68.61% 79.16% 62.25% 59.93% 61.21% 64.97% 66.16% 72.85% 66.03%
Earnings before Interest and Taxes (EBIT)		 18 24 22 17 40 37 48 47 51 37 55
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 21 27 26 20 43 36 42 54 63 49 66
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.79 1.11 1.12 0.79 0.98 0.71 0.94 0.95 0.74 0.85 0.78
Price to Tangible Book Value (P/TBV)		 1.11 1.47 1.35 1.12 1.31 0.94 1.23 1.60 1.16 1.29 1.06
Price to Revenue (P/Rev)		 1.32 1.98 2.64 2.70 2.99 2.11 2.63 2.29 1.70 2.13 2.45
Price to Earnings (P/E)		 7.28 8.38 12.77 17.29 9.69 7.72 8.24 8.08 6.42 10.37 9.15
Dividend Yield		 1.93% 1.38% 1.69% 2.77% 2.02% 2.82% 2.34% 2.77% 3.47% 3.07% 3.11%
Earnings Yield		 13.73% 11.93% 7.83% 5.78% 10.32% 12.95% 12.13% 12.38% 15.57% 9.65% 10.93%
Enterprise Value to Invested Capital (EV/IC)		 0.77 0.90 0.93 0.81 0.91 0.57 0.50 0.94 0.81 0.85 0.76
Enterprise Value to Revenue (EV/Rev)		 3.14 3.33 4.05 5.22 5.10 2.66 2.24 6.58 4.19 4.70 3.64
Enterprise Value to EBITDA (EV/EBITDA)		 9.37 8.18 11.18 22.36 12.65 8.64 6.77 16.85 10.74 14.96 9.57
Enterprise Value to EBIT (EV/EBIT)		 11.05 9.26 12.90 26.20 13.85 8.46 5.86 19.49 13.45 19.86 11.38
Enterprise Value to NOPAT (EV/NOPAT)		 15.20 12.83 18.06 31.10 16.17 9.76 6.99 23.26 15.85 22.92 13.60
Enterprise Value to Operating Cash Flow (EV/OCF)		 12.85 12.47 13.77 22.40 14.12 9.62 6.96 36.41 10.86 15.05 14.53
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 9.36 0.00 0.00 0.00 3.85 11.23 0.00 3.73 37.56 9.03
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.00 0.78 0.67 0.82 0.83 0.59 0.61 1.92 1.25 1.19 0.52
Long-Term Debt to Equity		 0.80 0.57 0.55 0.75 0.78 0.44 0.50 1.85 0.29 1.16 0.20
Financial Leverage		 1.00 0.88 0.71 0.76 0.83 0.71 0.60 1.24 1.57 1.22 0.80
Leverage Ratio		 10.49 10.25 9.01 7.58 7.07 7.47 8.20 9.64 10.61 10.47 9.05
Compound Leverage Factor		 10.49 10.25 9.01 7.58 7.07 7.47 8.20 9.64 10.61 10.47 9.05
Debt to Total Capital		 50.10% 43.71% 40.02% 45.07% 45.41% 36.94% 37.74% 65.77% 55.64% 54.35% 34.34%
Short-Term Debt to Total Capital		 9.98% 11.83% 7.07% 4.08% 3.09% 9.13% 6.41% 2.57% 42.97% 1.37% 21.14%
Long-Term Debt to Total Capital		 40.12% 31.88% 32.95% 40.99% 42.32% 27.81% 31.33% 63.20% 12.68% 52.98% 13.19%
Preferred Equity to Total Capital		 8.88% 7.75% 5.64% 1.72% 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% 0.00%
Common Equity to Total Capital		 41.02% 48.54% 54.33% 53.21% 54.59% 63.06% 62.26% 34.23% 44.36% 45.65% 65.66%
Debt to EBITDA		 6.08 3.96 4.80 12.47 6.34 5.64 5.14 11.83 7.36 9.52 4.33
Net Debt to EBITDA		 4.36 2.60 3.22 10.29 5.22 1.80 -1.21 11.00 6.39 8.19 3.13
Long-Term Debt to EBITDA		 4.86 2.89 3.95 11.34 5.91 4.25 4.27 11.36 1.68 9.28 1.66
Debt to NOPAT		 9.86 6.21 7.75 17.34 8.11 6.37 5.31 16.32 10.86 14.60 6.15
Net Debt to NOPAT		 7.07 4.07 5.20 14.32 6.67 2.04 -1.25 15.18 9.43 12.56 4.45
Long-Term Debt to NOPAT		 7.90 4.53 6.38 15.77 7.55 4.80 4.41 15.68 2.48 14.23 2.36
Noncontrolling Interest Sharing Ratio		 9.24% 15.69% 11.27% 5.53% 1.49% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -5.95 24 -47 -222 -27 82 25 -368 182 19 70
Operating Cash Flow to CapEx		 0.00% 727.57% 2,376.60% 6,959.22% 1,212.91% 1,666.02% 2,129.62% 398.15% 1,828.46% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 -1.80 7.13 -11.54 -29.38 -2.06 8.06 2.62 -23.09 3.19 0.21 0.84
Operating Cash Flow to Interest Expense		 4.56 5.35 5.09 2.59 3.00 3.22 4.23 1.58 1.10 0.54 0.53
Operating Cash Flow Less CapEx to Interest Expense		 5.01 4.62 4.87 2.56 2.75 3.03 4.03 1.18 1.04 0.54 0.53
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.05 0.05 0.05 0.05 0.05 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 3.94 3.81 3.99 4.25 4.79 5.19 5.64 3.22 2.69 2.97 3.93
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 251 244 308 544 605 555 571 978 839 851 828
Invested Capital Turnover		 0.26 0.27 0.26 0.20 0.19 0.20 0.23 0.18 0.18 0.18 0.21
Increase / (Decrease) in Invested Capital		 19 -6.37 63 237 61 -50 15 408 -140 12 -23
Enterprise Value (EV)		 194 221 287 440 548 314 284 917 681 726 629
Market Capitalization		 81 132 187 228 322 249 334 318 276 328 423
Book Value per Share		 $13.12 $14.40 $16.43 $18.80 $21.33 $22.00 $23.64 $21.29 $23.70 $24.69 $28.14
Tangible Book Value per Share		 $9.36 $10.90 $13.64 $13.20 $15.83 $16.66 $18.02 $12.61 $15.10 $16.21 $20.71
Total Capital		 251 244 308 544 605 555 571 978 839 851 828
Total Debt		 126 107 123 245 275 205 215 643 467 463 284
Total Long-Term Debt		 101 78 101 223 256 154 179 618 106 451 109
Net Debt		 90 70 83 202 226 66 -51 599 405 398 206
Capital Expenditures (CapEx)		 -1.49 2.43 0.88 0.28 3.20 1.96 1.91 6.33 3.43 -0.05 -0.23
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 126 107 123 245 275 205 215 643 467 463 284
Total Depreciation and Amortization (D&A)		 3.16 3.17 3.42 2.89 3.74 -0.78 -6.49 7.37 13 12 10
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.43 $1.96 $1.48 $1.10 $2.12 $2.00 $2.63 $0.00 $2.73 $2.01 $2.64
Adjusted Weighted Average Basic Shares Outstanding		 7.85M 10.08M 10.21M 15.60M 16.54M 15.85M 14.89M 0.00 15.69M 15.48M 20.74M
Adjusted Diluted Earnings per Share		 $1.17 $1.57 $1.28 $1.02 $2.01 $2.00 $2.63 $0.00 $2.73 $2.01 $2.64
Adjusted Weighted Average Diluted Shares Outstanding		 7.85M 10.08M 10.21M 15.60M 16.54M 15.85M 14.89M 0.00 15.69M 15.48M 20.74M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $2.12 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 7.85M 10.08M 10.21M 15.60M 16.54M 15.85M 14.89M 0.00 15.69M 15.48M 20.74M
Normalized Net Operating Profit after Tax (NOPAT)		 13 17 16 14 34 32 41 39 43 32 46
Normalized NOPAT Margin		 20.67% 25.93% 22.41% 16.78% 31.50% 27.30% 31.96% 28.31% 26.41% 20.51% 26.78%
Pre Tax Income Margin		 28.42% 35.90% 31.39% 19.92% 36.79% 31.49% 38.13% 33.77% 31.12% 23.68% 32.01%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 5.30 7.21 5.43 2.22 3.05 3.66 5.02 2.95 0.88 0.41 0.67
NOPAT to Interest Expense		 3.85 5.20 3.88 1.87 2.62 3.18 4.21 2.47 0.75 0.35 0.56
EBIT Less CapEx to Interest Expense		 5.75 6.47 5.22 2.18 2.81 3.47 4.83 2.55 0.82 0.41 0.67
NOPAT Less CapEx to Interest Expense		 4.30 4.47 3.66 1.83 2.37 2.98 4.01 2.08 0.69 0.35 0.56
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 24.63% 18.90% 23.20% 33.59% 21.24% 22.11% 19.82% 21.54% 22.34% 31.76% 25.61%
Augmented Payout Ratio		 24.63% 18.90% 23.22% 33.59% 32.77% 63.90% 74.84% 64.37% 26.13% 32.28% 26.00%

Quarterly Metrics And Ratios for Civista Bancshares

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

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - 15,479,485.00 15,519,072.00 19,312,879.00 19,312,879.00 20,735,289.00
DEI Adjusted Shares Outstanding		 - - - - - - 15,479,485.00 15,519,072.00 19,312,879.00 19,312,879.00 20,735,289.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - 0.66 0.71 0.66 0.64 0.72
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 9.55% -8.81% -15.56% -5.42% -1.79% 3.85% 10.93% 8.59% 12.32% 14.78% 16.29%
EBITDA Growth		 -11.09% -25.00% -52.03% -30.24% -19.03% 1.26% 61.77% 56.62% 55.36% 30.49% 52.43%
EBIT Growth		 -8.04% -22.91% -53.33% -30.99% -19.03% 1.26% 65.95% 59.53% 57.84% 29.61% 50.84%
NOPAT Growth		 -6.52% -20.52% -50.65% -29.60% -19.46% 2.47% 59.87% 55.93% 52.52% 24.02% 47.41%
Net Income Growth		 -6.52% -20.52% -50.65% -29.60% -19.46% 2.47% 59.87% 55.93% 52.52% 24.02% 47.41%
EPS Growth		 -8.33% -21.79% -50.00% -29.69% -19.70% 1.64% 60.98% 57.78% 28.30% -4.84% 9.09%
Operating Cash Flow Growth		 206.25% 194.06% -96.20% -38.09% -39.89% 974.63% 380.32% -9.12% 46.98% -57.08% 237.21%
Free Cash Flow Firm Growth		 -1,780.79% 137.71% -12.23% -243.65% 124.25% -101.64% 99.60% 117.14% -137.00% 1,552.87% 19,966.32%
Invested Capital Growth		 74.01% -14.26% 24.51% 62.12% -9.08% 1.47% 1.25% -5.35% 5.67% -2.75% -13.34%
Revenue Q/Q Growth		 -2.12% -1.91% -5.14% 3.85% 1.63% 3.73% 0.65% 1.90% 6.70% 4.88% 1.98%
EBITDA Q/Q Growth		 1.11% -8.26% -34.72% 11.39% 17.36% 14.73% 4.50% 7.84% 20.67% -4.04% 22.07%
EBIT Q/Q Growth		 4.55% -8.26% -35.96% 12.36% 22.67% 14.73% 4.93% 8.01% 21.36% -5.77% 22.12%
NOPAT Q/Q Growth		 3.52% -7.05% -34.13% 11.07% 18.43% 18.25% 2.78% 8.33% 15.84% -3.85% 22.17%
Net Income Q/Q Growth		 3.52% -7.05% -34.13% 11.07% 18.43% 18.25% 2.78% 8.33% 15.84% -3.85% 22.17%
EPS Q/Q Growth		 3.13% -7.58% -32.79% 9.76% 17.78% 16.98% 6.45% 7.58% -4.23% -13.24% 22.03%
Operating Cash Flow Q/Q Growth		 11.07% -90.20% -64.28% 1,491.49% 7.83% 75.29% -83.87% 206.78% 71.18% -49.33% 26.72%
Free Cash Flow Firm Q/Q Growth		 -232.49% 140.91% -210.16% -129.34% 123.46% -102.77% 72.89% 9,814.29% -150.63% 208.96% 270.69%
Invested Capital Q/Q Growth		 42.68% -4.88% 3.39% 15.54% -19.98% 6.16% 3.17% 8.01% -10.67% -2.30% -8.07%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 30.90% 28.90% 20.57% 22.07% 25.48% 28.19% 30.20% 31.96% 36.15% 33.07% 39.59%
EBIT Margin		 30.90% 28.90% 19.51% 21.11% 25.48% 28.19% 29.39% 31.15% 35.43% 31.83% 38.11%
Profit (Net Income) Margin		 26.21% 24.84% 17.25% 18.45% 21.50% 24.51% 25.02% 26.60% 28.88% 26.48% 31.72%
Tax Burden Percent		 84.81% 85.93% 88.39% 87.38% 84.36% 86.95% 85.16% 85.41% 81.53% 83.19% 83.23%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 15.19% 14.07% 11.61% 12.62% 15.64% 13.05% 14.84% 14.59% 18.47% 16.81% 16.77%
Return on Invested Capital (ROIC)		 6.28% 4.45% 3.44% 3.50% 3.91% 4.48% 4.54% 4.41% 5.84% 5.44% 6.94%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.28% 4.45% 3.44% 3.50% 3.91% 4.48% 4.54% 4.41% 5.84% 5.44% 6.94%
Return on Net Nonoperating Assets (RNNOA)		 7.45% 6.98% 4.06% 4.33% 5.14% 5.47% 5.79% 6.65% 4.93% 4.36% 5.03%
Return on Equity (ROE)		 13.73% 11.43% 7.49% 7.83% 9.04% 9.95% 10.34% 11.06% 10.77% 9.80% 11.97%
Cash Return on Invested Capital (CROIC)		 -47.47% 20.09% -17.17% -43.27% 13.25% 2.29% 2.83% 9.54% -0.20% 8.29% 20.52%
Operating Return on Assets (OROA)		 1.47% 1.25% 0.81% 0.85% 1.00% 1.09% 1.16% 1.23% 1.44% 1.30% 1.62%
Return on Assets (ROA)		 1.25% 1.08% 0.72% 0.74% 0.84% 0.95% 0.99% 1.05% 1.18% 1.08% 1.35%
Return on Common Equity (ROCE)		 13.73% 11.43% 7.49% 7.83% 9.04% 9.95% 10.34% 11.06% 10.77% 9.80% 11.97%
Return on Equity Simple (ROE_SIMPLE)		 13.66% 0.00% 9.86% 8.95% 7.97% 0.00% 8.93% 9.76% 8.78% 0.00% 9.24%
Net Operating Profit after Tax (NOPAT)		 10 9.66 6.36 7.06 8.37 9.89 10 11 13 12 15
NOPAT Margin		 26.21% 24.84% 17.25% 18.45% 21.50% 24.51% 25.02% 26.60% 28.88% 26.48% 31.72%
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% 0.00%
SG&A Expenses to Revenue		 48.59% 47.97% 55.28% 53.47% 53.23% 47.64% 45.88% 45.94% 44.78% 41.11% 44.76%
Operating Expenses to Revenue		 67.18% 66.65% 75.09% 74.57% 71.90% 70.09% 66.76% 66.38% 64.12% 66.91% 63.22%
Earnings before Interest and Taxes (EBIT)		 12 11 7.20 8.08 9.92 11 12 13 16 15 18
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 12 11 7.59 8.45 9.92 11 12 13 16 15 19
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.70 0.74 0.64 0.65 0.71 0.85 0.73 0.88 0.78 0.78 0.85
Price to Tangible Book Value (P/TBV)		 1.17 1.16 1.00 1.01 1.07 1.29 1.10 1.31 1.06 1.06 1.15
Price to Revenue (P/Rev)		 1.40 1.70 1.51 1.57 1.82 2.13 1.84 2.21 2.34 2.45 2.62
Price to Earnings (P/E)		 5.11 6.42 6.48 7.20 8.85 10.37 8.20 9.05 8.88 9.15 9.19
Dividend Yield		 4.00% 3.47% 4.19% 4.17% 3.62% 3.07% 3.46% 2.87% 3.33% 3.11% 3.05%
Earnings Yield		 19.58% 15.57% 15.43% 13.88% 11.30% 9.65% 12.20% 11.05% 11.26% 10.93% 10.88%
Enterprise Value to Invested Capital (EV/IC)		 0.83 0.81 0.79 0.81 0.76 0.85 0.77 0.87 0.80 0.76 0.78
Enterprise Value to Revenue (EV/Rev)		 4.38 4.19 4.37 5.28 3.98 4.70 4.29 5.11 4.04 3.64 3.30
Enterprise Value to EBITDA (EV/EBITDA)		 13.52 10.74 15.51 20.15 16.73 14.96 15.91 17.39 12.66 9.57 9.35
Enterprise Value to EBIT (EV/EBIT)		 13.52 13.45 16.08 20.95 16.73 19.86 16.46 17.92 12.99 11.38 9.65
Enterprise Value to NOPAT (EV/NOPAT)		 16.04 15.85 18.71 24.26 19.38 22.92 19.16 20.95 15.37 13.60 11.59
Enterprise Value to Operating Cash Flow (EV/OCF)		 12.50 10.86 15.62 22.37 21.97 15.05 13.31 16.53 12.02 14.53 11.41
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 3.73 0.00 0.00 5.47 37.56 27.58 8.88 0.00 9.03 3.52
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.65 1.25 1.35 1.68 1.03 1.19 1.21 1.35 0.70 0.52 0.38
Long-Term Debt to Equity		 1.65 0.29 1.28 1.62 1.01 1.16 1.19 0.27 0.22 0.20 0.20
Financial Leverage		 1.19 1.57 1.18 1.24 1.31 1.22 1.28 1.51 0.85 0.80 0.73
Leverage Ratio		 10.98 10.61 10.41 10.54 10.72 10.47 10.46 10.54 9.15 9.05 8.89
Compound Leverage Factor		 10.98 10.61 10.41 10.54 10.72 10.47 10.46 10.54 9.15 9.05 8.89
Debt to Total Capital		 62.26% 55.64% 57.37% 62.69% 50.80% 54.35% 54.73% 57.38% 41.09% 34.34% 27.42%
Short-Term Debt to Total Capital		 0.00% 42.97% 2.63% 2.17% 1.02% 1.37% 1.02% 45.71% 28.12% 21.14% 13.14%
Long-Term Debt to Total Capital		 62.26% 12.68% 54.74% 60.52% 49.78% 52.98% 53.72% 11.67% 12.97% 13.19% 14.27%
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% 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% 0.00%
Common Equity to Total Capital		 37.74% 44.36% 42.63% 37.31% 49.20% 45.65% 45.27% 42.62% 58.91% 65.66% 72.58%
Debt to EBITDA		 10.17 7.36 11.32 15.58 11.18 9.52 11.24 11.45 6.54 4.33 3.30
Net Debt to EBITDA		 9.21 6.39 10.14 14.16 9.09 8.19 9.10 9.88 5.35 3.13 1.93
Long-Term Debt to EBITDA		 10.17 1.68 10.80 15.05 10.95 9.28 11.03 2.33 2.06 1.66 1.72
Debt to NOPAT		 12.08 10.86 13.65 18.77 12.95 14.60 13.54 13.80 7.94 6.15 4.09
Net Debt to NOPAT		 10.94 9.43 12.23 17.06 10.53 12.56 10.96 11.91 6.49 4.45 2.39
Long-Term Debt to NOPAT		 12.08 2.48 13.03 18.12 12.69 14.23 13.29 2.81 2.51 2.36 2.13
Noncontrolling Interest Sharing Ratio		 0.00% 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)		 -365 149 -164 -377 88 -2.45 -0.67 65 -33 36 132
Operating Cash Flow to CapEx		 0.00% 0.00% 611.38% 0.00% 0.00% 0.00% 0.00% 0.00% 3,417.66% 0.00% 2,761.90%
Free Cash Flow to Firm to Interest Expense		 -24.15 8.04 -7.55 -16.50 3.76 -0.11 -0.03 3.01 -1.58 1.85 7.35
Operating Cash Flow to Interest Expense		 1.42 0.11 0.03 0.52 0.55 1.03 0.17 0.52 0.92 0.50 0.68
Operating Cash Flow Less CapEx to Interest Expense		 1.42 0.11 0.03 0.53 0.55 1.03 0.17 0.54 0.89 0.51 0.65
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 3.73 2.69 2.68 2.72 2.81 2.97 3.19 3.40 3.67 3.93 4.26
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 882 839 867 1,002 802 851 878 948 847 828 761
Invested Capital Turnover		 0.24 0.18 0.20 0.19 0.18 0.18 0.18 0.17 0.20 0.21 0.22
Increase / (Decrease) in Invested Capital		 375 -140 171 384 -80 12 11 -54 45 -23 -117
Enterprise Value (EV)		 729 681 682 812 609 726 680 826 674 629 591
Market Capitalization		 232 276 236 241 278 328 291 357 389 423 469
Book Value per Share		 $21.13 $23.70 $23.56 $23.77 $25.06 $24.69 $25.67 $26.04 $25.84 $28.14 $26.63
Tangible Book Value per Share		 $12.56 $15.10 $14.98 $15.23 $16.56 $16.21 $17.08 $17.50 $18.99 $20.71 $19.75
Total Capital		 882 839 867 1,002 802 851 878 948 847 828 761
Total Debt		 549 467 497 628 407 463 481 544 348 284 209
Total Long-Term Debt		 549 106 475 606 399 451 472 111 110 109 109
Net Debt		 497 405 446 571 331 398 389 470 285 206 122
Capital Expenditures (CapEx)		 0.00 0.00 0.12 -0.12 0.00 0.00 -0.04 -0.49 0.56 -0.26 0.44
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 549 467 497 628 407 463 481 544 348 284 209
Total Depreciation and Amortization (D&A)		 0.00 0.00 0.39 0.37 0.00 0.00 0.33 0.34 0.32 0.58 0.70
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.66 $0.61 $0.41 $0.45 $0.53 $0.62 $0.66 $0.71 $0.68 $0.59 $0.72
Adjusted Weighted Average Basic Shares Outstanding		 0.00 15.69M 15.13M 15.14M 15.74M 15.48M 15.52M 19.31M 19.31M 20.74M 20.78M
Adjusted Diluted Earnings per Share		 $0.66 $0.61 $0.41 $0.45 $0.53 $0.62 $0.66 $0.71 $0.68 $0.59 $0.72
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 15.69M 0.00 0.00 15.74M 15.48M 15.52M 19.31M 19.31M 20.74M 20.78M
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 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 15.70M 15.69M 15.73M 15.74M 15.74M 15.48M 15.52M 19.31M 19.31M 20.74M 20.78M
Normalized Net Operating Profit after Tax (NOPAT)		 10 9.66 6.36 7.06 8.37 9.89 10 11 13 12 15
Normalized NOPAT Margin		 26.21% 24.84% 17.25% 18.45% 21.50% 24.51% 25.02% 26.60% 28.88% 26.48% 31.72%
Pre Tax Income Margin		 30.90% 28.90% 19.51% 21.11% 25.48% 28.19% 29.39% 31.15% 35.43% 31.83% 38.11%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.81 0.61 0.33 0.35 0.42 0.52 0.57 0.60 0.76 0.76 1.00
NOPAT to Interest Expense		 0.69 0.52 0.29 0.31 0.36 0.45 0.49 0.51 0.62 0.64 0.83
EBIT Less CapEx to Interest Expense		 0.81 0.61 0.33 0.36 0.42 0.52 0.57 0.62 0.73 0.78 0.98
NOPAT Less CapEx to Interest Expense		 0.69 0.52 0.29 0.31 0.36 0.45 0.49 0.54 0.59 0.65 0.81
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 20.44% 22.34% 27.19% 30.05% 31.98% 31.76% 28.70% 26.13% 25.26% 25.61% 25.35%
Augmented Payout Ratio		 24.33% 26.13% 31.75% 35.01% 32.53% 32.28% 29.20% 26.59% 25.65% 26.00% 25.99%

Financials Breakdown Chart

Key Financial Trends

Civista Bancshares (NASDAQ: CIVB) delivered a mixed but still profitable start to 2026, with solid quarter-to-quarter earnings power, improving operating cash flow versus early 2025, and a stronger equity base than a year ago. At the same time, the bank continues to show signs of balance sheet reshuffling, higher leverage, and somewhat uneven cash generation from quarter to quarter.

What stands out most from the latest quarter: Q1 2026 net income came in at $14.99 million, up from $12.27 million in Q4 2025 and $10.17 million in Q1 2025. Earnings per share rose to $0.72 from $0.59 in the prior quarter and $0.66 a year ago. Revenue also improved to $47.25 million, helped by higher non-interest income.

  • Net income improved year over year and sequentially: Q1 2026 earnings of $14.99 million were stronger than both Q4 2025 and Q1 2025.
  • EPS expanded to $0.72, reflecting better profitability on a per-share basis.
  • Revenue grew to $47.25 million, up from $46.34 million in Q4 2025 and $40.63 million in Q1 2025.
  • Net interest income increased to $37.82 million, supported by resilient loan-related interest income and improved asset yield trends.
  • Non-interest income rose sharply year over year to $9.43 million from $7.86 million in Q1 2025.
  • Book equity increased to $552.2 million from $397.4 million a year earlier, which strengthens the balance sheet cushion.
  • Total assets increased to $4.30 billion, showing continued scale growth.
  • Cash from operations was positive at $12.18 million in Q1 2026, but lower than the $43.27 million posted in Q4 2025.
  • Deposit growth was positive in Q1 2026, with net change in deposits of $35.43 million, suggesting underlying customer funding remains intact.
  • Operating cash flow is volatile, swinging from $43.27 million in Q4 2025 to just $12.18 million in Q1 2026.
  • Financing cash flow was negative at $(44.24) million in Q1 2026, largely due to debt issuance/repayment activity and dividend payments.
  • Net cash decreased by $5.98 million in Q1 2026, indicating cash outflows exceeded cash inflows during the quarter.
  • Borrowings remain meaningful: short-term debt was $100.0 million and long-term debt was $108.6 million at quarter-end.
  • Tangible balance sheet composition remains complex, with a large “other assets” line and substantial goodwill/intangibles, which can make the balance sheet less transparent than a plain-vanilla bank.

Longer-term trend: Over the last four years, Civista has generally kept earnings positive, but quarterly performance has been uneven. In 2024 and 2025, net interest income was pressured at times by higher deposit and borrowing costs, while non-interest income and expense control helped stabilize profitability. Earnings have recently recovered from the softer early-2025 level, but the company still depends on careful funding management and disciplined expense control.

Bottom line: Civista Bancshares looks profitable and financially stable right now, with improving earnings and a stronger equity position. However, investors should keep an eye on cash flow volatility, debt levels, and whether the recent earnings rebound can continue without added balance sheet strain.

07/06/26 07:07 AM ETAI Generated. May Contain Errors.

Civista Bancshares Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Civista Bancshares' fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Civista Bancshares' net income appears to be on an upward trend, with a most recent value of $46.21 million in 2025, rising from $12.75 million in 2015. The previous period was $31.68 million in 2024. Find out what analysts predict for Civista Bancshares in the coming months.

Over the last 10 years, Civista Bancshares' total revenue changed from $61.67 million in 2015 to $172.55 million in 2025, a change of 179.8%.

Civista Bancshares' total liabilities were at $3.79 billion at the end of 2025, a 2.2% increase from 2024, and a 218.8% increase since 2015.

In the past 10 years, Civista Bancshares' cash and equivalents has ranged from $35.56 million in 2015 to $253.46 million in 2021, and is currently $77.32 million as of their latest financial filing in 2025.

Over the last 10 years, Civista Bancshares' book value per share changed from 13.12 in 2015 to 28.14 in 2025, a change of 114.5%.


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Financial statements for NASDAQ:CIVB last updated on 7/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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