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Civista Bancshares (CIVB) Financials

Civista Bancshares logo
$26.71 +0.30 (+1.14%)
Closing price 10/12/2026 04:00 PM Eastern
Extended Trading
$26.53 -0.18 (-0.68%)
As of 08:25 AM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 9.66 6.36 7.06 8.37 9.89 10 11 13 12 15 14
Consolidated Net Income / (Loss)		 9.66 6.36 7.06 8.37 9.89 10 11 13 12 15 14
Net Income / (Loss) Continuing Operations		 9.66 6.36 7.06 8.37 9.89 10 11 13 12 15 14
Total Pre-Tax Income 		11 7.20 8.08 9.92 11 12 13 16 15 18 17
Total Revenue		 39 37 38 39 40 41 41 44 46 47 48
Net Interest Income / (Expense)		 30 28 28 29 31 33 35 35 36 38 39
Total Interest Income		 49 50 51 53 53 54 56 55 56 56 57
Loans and Leases Interest Income		 43 44 45 47 47 48 50 49 49 49 50
Investment Securities Interest Income		 5.27 5.31 5.44 5.63 5.73 5.90 6.09 6.25 6.07 6.26 6.19
Deposits and Money Market Investments Interest Income		 - 0.34 0.21 0.22 - 0.19 0.21 0.28 - 0.32 0.47
Total Interest Expense		 19 22 23 24 22 21 21 21 19 18 18
Deposits Interest Expense		 13 16 16 17 17 16 16 16 17 15 16
Short-Term Borrowings Interest Expense		 3.89 4.53 6.09 5.34 2.54 3.94 4.61 3.07 1.40 1.35 0.84
Long-Term Debt Interest Expense		 1.24 1.24 1.25 1.24 1.20 1.31 1.29 1.28 0.76 1.18 1.22
Federal Funds Purchased and Securities Sold Interest Expense		 0.01 0.00 0.00 0.00 0.76 0.00 0.00 0.00 0.56 0.00 0.00
Total Non-Interest Income		 8.82 8.26 10 10 9.02 7.86 6.59 9.63 9.89 9.43 9.01
Trust Fees by Commissions		 1.20 1.28 1.34 1.44 1.46 1.34 1.33 1.40 1.47 1.43 1.46
Other Service Charges		 4.88 4.23 4.18 3.86 4.11 3.66 3.59 3.93 4.78 4.34 4.10
Net Realized & Unrealized Capital Gains on Investments		 1.02 0.72 0.96 1.65 1.39 0.58 0.77 1.71 1.71 1.64 1.64
Other Non-Interest Income		 1.72 2.02 3.90 3.15 2.05 2.28 0.91 2.60 1.92 2.02 1.80
Provision for Credit Losses		 1.73 1.99 1.66 1.02 0.70 1.57 1.03 0.20 0.59 -0.63 1.77
Total Non-Interest Expense		 26 27 28 28 28 27 27 28 31 30 29
Salaries and Employee Benefits		 14 15 16 16 15 14 15 15 15 16 16
Net Occupancy & Equipment Expense		 4.68 4.45 4.29 4.27 3.89 4.30 3.72 4.23 4.11 4.44 3.89
Marketing Expense		 -0.19 0.48 0.45 0.72 0.45 0.30 0.29 0.39 0.41 0.48 0.54
Other Operating Expenses		 6.48 6.67 7.55 7.32 8.34 8.15 8.13 8.23 11 8.03 7.79
Amortization Expense		 - 0.39 0.37 0.36 - 0.33 0.34 0.32 0.58 0.70 0.70
Income Tax Expense		 1.58 0.84 1.02 1.55 1.49 1.77 1.88 2.89 2.48 3.02 2.86
Basic Earnings per Share		 $0.61 $0.41 $0.45 $0.53 $0.62 $0.66 $0.71 $0.68 $0.59 $0.72 $0.69
Weighted Average Basic Shares Outstanding		 15.69M 15.73M 15.74M 15.74M 15.48M 15.52M 19.31M 19.31M 20.74M 20.78M 20.79M
Diluted Earnings per Share		 $0.61 $0.41 $0.45 $0.53 $0.62 $0.66 $0.71 $0.68 $0.59 $0.72 $0.69
Weighted Average Diluted Shares Outstanding		 15.69M 15.73M 15.74M 15.74M 15.48M 15.52M 19.31M 19.31M 20.74M 20.78M 20.79M
Weighted Average Basic & Diluted Shares Outstanding		 15.69M 15.73M 15.74M 15.74M 15.48M 15.52M 19.31M 19.31M 20.74M 20.78M 20.79M

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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Net Change in Cash & Equivalents		 71 -10 -7.27 6.00 14 24 -31 -30 48 -5.98 -39
Net Cash From Operating Activities		 2.11 0.75 12 13 23 3.61 11 19 9.61 12 17
Net Cash From Investing Activities		 -95 -34 -130 -23 -72 -21 -55 66 66 38 -14
Net Cash From Continuing Investing Activities		 -95 -34 -130 -23 -72 -21 -55 66 66 38 -14
Purchase of Property, Leasehold Improvements and Equipment		 - -0.12 0.12 - - -0.16 -0.22 -0.56 -0.22 -0.44 -0.40
Purchase of Investment Securities		 -10 -3.97 -17 -5.77 -62 -43 -13 -15 -53 -37 -30
Sale and/or Maturity of Investments		 24 6.30 5.11 12 28 45 9.61 20 38 36 42
Other Investing Activities, net		 -106 -36 -118 -29 -38 -23 -52 62 -69 40 -25
Net Cash From Financing Activities		 103 23 123 29 38 45 27 -96 -61 -44 -25
Net Cash From Continuing Financing Activities		 103 23 123 29 38 45 27 -96 -61 -44 -25
Net Change in Deposits		 189 -4.33 -3.08 246 -12 27 -43 34 -0.10 35 -44
Issuance of Debt		 -38 31 -31 -51 51 21 74 -202 107 -75 24
Repayment of Debt		 -46 -0.18 159 -164 1.02 -0.30 -1.01 -0.81 -165 -0.61 -0.65
Payment of Dividends		 -2.51 -2.51 -2.52 -2.52 -2.52 -2.63 -2.64 -3.28 -3.28 -3.73 -3.74
Cash Interest Paid		 22 25 3.75 52 28 24 20 20 23 18 20
Cash Income Taxes Paid		 2.18 0.00 1.35 3.51 0.02 0.09 4.70 2.58 0.71 0.09 2.53

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 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Total Assets		 3,585 3,616 3,733 3,880 4,012 4,061 4,147 4,186 4,113 4,298 4,294
Cash and Due from Banks		 53 41 50 50 56 75 90 74 63 84 62
Interest Bearing Deposits at Other Banks		 1.72 1.72 1.47 1.45 1.45 1.45 0.96 0.72 0.74 2.88 4.13
Trading Account Securities		 645 639 617 627 632 646 656 659 669 692 681
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		 62 61 59 54 52 50 45 43 41 39 37
Goodwill		 125 125 125 126 126 126 126 126 126 130 130
Intangible Assets		 11 10 9.92 9.10 8.71 8.31 7.51 7.11 6.76 12 12
Other Assets		 142 137 151 154 3,137 3,156 3,221 3,277 3,208 3,338 3,368
Total Liabilities & Shareholders' Equity		 3,585 3,616 3,733 3,880 4,012 4,061 4,147 4,186 4,113 4,298 4,294
Total Liabilities		 3,237 3,266 3,400 3,511 3,638 3,667 3,749 3,782 3,614 3,746 3,728
Non-Interest Bearing Deposits		 939 1,002 803 708 691 686 649 648 652 704 695
Interest Bearing Deposits		 1,905 1,940 1,993 2,273 2,286 2,537 2,590 2,549 2,579 2,798 2,763
Short-Term Debt		 16 6.79 0.00 23 22 8.20 8.92 434 238 100 124
Long-Term Debt		 333 261 549 475 606 399 472 111 110 109 108
Other Long-Term Liabilities		 45 55 55 32 32 36 30 41 36 36 38
Total Equity & Noncontrolling Interests		 348 350 333 370 374 394 397 404 499 552 567
Total Preferred & Common Equity		 348 350 333 370 374 394 397 404 499 552 567
Total Common Equity		 348 350 333 370 374 394 397 404 499 552 567
Common Stock		 310 311 311 311 312 312 312 313 388 420 421
Retained Earnings		 161 169 177 188 192 198 213 221 231 251 262
Treasury Stock		 -74 -74 -75 -76 -76 -76 -76 -76 -76 -76 -76
Accumulated Other Comprehensive Income / (Loss)		 -50 -56 -79 -54 -54 -40 -52 -54 -44 -43 -40

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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
DEI Shares Outstanding		 - - - - - 15,479,485.00 15,519,072.00 19,312,879.00 19,312,879.00 20,735,289.00 20,783,348.00
DEI Adjusted Shares Outstanding		 - - - - - 15,479,485.00 15,519,072.00 19,312,879.00 19,312,879.00 20,735,289.00 20,783,348.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - 0.66 0.71 0.66 0.64 0.72 0.69
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -8.81% -15.56% -5.42% -1.79% 3.85% 10.93% 8.59% 12.32% 14.78% 16.29% 14.97%
EBITDA Growth		 -25.00% -52.03% -30.24% -19.03% 1.26% 61.77% 56.62% 55.36% 30.49% 52.43% 35.05%
EBIT Growth		 -22.91% -53.33% -30.99% -19.03% 1.26% 65.95% 59.53% 57.84% 29.61% 50.84% 33.20%
NOPAT Growth		 -20.52% -50.65% -29.60% -19.46% 2.47% 59.87% 55.93% 52.52% 24.02% 47.41% 29.96%
Net Income Growth		 -20.52% -50.65% -29.60% -19.46% 2.47% 59.87% 55.93% 52.52% 24.02% 47.41% 29.96%
EPS Growth		 -21.79% -50.00% -29.69% -19.70% 1.64% 60.98% 57.78% 28.30% -4.84% 9.09% -2.82%
Operating Cash Flow Growth		 194.06% -96.20% -38.09% -39.89% 974.63% 380.32% -9.12% 46.98% -57.08% 237.21% 54.37%
Free Cash Flow Firm Growth		 137.71% -12.23% -243.65% 124.25% -101.64% 99.60% 117.14% -137.00% 1,552.87% 19,966.32% 154.37%
Invested Capital Growth		 -14.26% 24.51% 62.12% -9.08% 1.47% 1.25% -5.35% 5.67% -2.75% -13.34% -15.82%
Revenue Q/Q Growth		 -1.91% -5.14% 3.85% 1.63% 3.73% 0.65% 1.90% 6.70% 4.88% 1.98% 0.73%
EBITDA Q/Q Growth		 -8.26% -34.72% 11.39% 17.36% 14.73% 4.50% 7.84% 20.67% -4.04% 22.07% -4.45%
EBIT Q/Q Growth		 -8.26% -35.96% 12.36% 22.67% 14.73% 4.93% 8.01% 21.36% -5.77% 22.12% -4.63%
NOPAT Q/Q Growth		 -7.05% -34.13% 11.07% 18.43% 18.25% 2.78% 8.33% 15.84% -3.85% 22.17% -4.50%
Net Income Q/Q Growth		 -7.05% -34.13% 11.07% 18.43% 18.25% 2.78% 8.33% 15.84% -3.85% 22.17% -4.50%
EPS Q/Q Growth		 -7.58% -32.79% 9.76% 17.78% 16.98% 6.45% 7.58% -4.23% -13.24% 22.03% -4.17%
Operating Cash Flow Q/Q Growth		 -90.20% -64.28% 1,491.49% 7.83% 75.29% -83.87% 206.78% 71.18% -49.33% 26.72% 40.44%
Free Cash Flow Firm Q/Q Growth		 140.91% -210.16% -129.34% 123.46% -102.77% 72.89% 9,814.29% -150.63% 208.96% 270.69% 24.38%
Invested Capital Q/Q Growth		 -4.88% 3.39% 15.54% -19.98% 6.16% 3.17% 8.01% -10.67% -2.30% -8.07% 4.92%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 28.90% 20.57% 22.07% 25.48% 28.19% 30.20% 31.96% 36.15% 33.07% 39.59% 37.55%
EBIT Margin		 28.90% 19.51% 21.11% 25.48% 28.19% 29.39% 31.15% 35.43% 31.83% 38.11% 36.09%
Profit (Net Income) Margin		 24.84% 17.25% 18.45% 21.50% 24.51% 25.02% 26.60% 28.88% 26.48% 31.72% 30.07%
Tax Burden Percent		 85.93% 88.39% 87.38% 84.36% 86.95% 85.16% 85.41% 81.53% 83.19% 83.23% 83.34%
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		 14.07% 11.61% 12.62% 15.64% 13.05% 14.84% 14.59% 18.47% 16.81% 16.77% 16.66%
Return on Invested Capital (ROIC)		 4.45% 3.44% 3.50% 3.91% 4.48% 4.54% 4.41% 5.84% 5.44% 6.94% 6.38%
ROIC Less NNEP Spread (ROIC-NNEP)		 4.45% 3.44% 3.50% 3.91% 4.48% 4.54% 4.41% 5.84% 5.44% 6.94% 6.38%
Return on Net Nonoperating Assets (RNNOA)		 6.98% 4.06% 4.33% 5.14% 5.47% 5.79% 6.65% 4.93% 4.36% 5.03% 5.10%
Return on Equity (ROE)		 11.43% 7.49% 7.83% 9.04% 9.95% 10.34% 11.06% 10.77% 9.80% 11.97% 11.48%
Cash Return on Invested Capital (CROIC)		 20.09% -17.17% -43.27% 13.25% 2.29% 2.83% 9.54% -0.20% 8.29% 20.52% 23.40%
Operating Return on Assets (OROA)		 1.25% 0.81% 0.85% 1.00% 1.09% 1.16% 1.23% 1.44% 1.30% 1.62% 1.58%
Return on Assets (ROA)		 1.08% 0.72% 0.74% 0.84% 0.95% 0.99% 1.05% 1.18% 1.08% 1.35% 1.31%
Return on Common Equity (ROCE)		 11.43% 7.49% 7.83% 9.04% 9.95% 10.34% 11.06% 10.77% 9.80% 11.97% 11.48%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 9.86% 8.95% 7.97% 0.00% 8.93% 9.76% 8.78% 0.00% 9.24% 9.59%
Net Operating Profit after Tax (NOPAT)		 9.66 6.36 7.06 8.37 9.89 10 11 13 12 15 14
NOPAT Margin		 24.84% 17.25% 18.45% 21.50% 24.51% 25.02% 26.60% 28.88% 26.48% 31.72% 30.07%
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		 47.97% 55.28% 53.47% 53.23% 47.64% 45.88% 45.94% 44.78% 41.11% 44.76% 42.36%
Operating Expenses to Revenue		 66.65% 75.09% 74.57% 71.90% 70.09% 66.76% 66.38% 64.12% 66.91% 63.22% 60.20%
Earnings before Interest and Taxes (EBIT)		 11 7.20 8.08 9.92 11 12 13 16 15 18 17
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 11 7.59 8.45 9.92 11 12 13 16 15 19 18
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.74 0.64 0.65 0.71 0.85 0.73 0.88 0.78 0.78 0.85 1.03
Price to Tangible Book Value (P/TBV)		 1.16 1.00 1.01 1.07 1.29 1.10 1.31 1.06 1.06 1.15 1.37
Price to Revenue (P/Rev)		 1.70 1.51 1.57 1.82 2.13 1.84 2.21 2.34 2.45 2.62 3.14
Price to Earnings (P/E)		 6.42 6.48 7.20 8.85 10.37 8.20 9.05 8.88 9.15 9.19 10.73
Dividend Yield		 3.47% 4.19% 4.17% 3.62% 3.07% 3.46% 2.87% 3.33% 3.11% 3.05% 2.50%
Earnings Yield		 15.57% 15.43% 13.88% 11.30% 9.65% 12.20% 11.05% 11.26% 10.93% 10.88% 9.32%
Enterprise Value to Invested Capital (EV/IC)		 0.81 0.79 0.81 0.76 0.85 0.77 0.87 0.80 0.76 0.78 0.94
Enterprise Value to Revenue (EV/Rev)		 4.19 4.37 5.28 3.98 4.70 4.29 5.11 4.04 3.64 3.30 4.04
Enterprise Value to EBITDA (EV/EBITDA)		 10.74 15.51 20.15 16.73 14.96 15.91 17.39 12.66 9.57 9.35 11.03
Enterprise Value to EBIT (EV/EBIT)		 13.45 16.08 20.95 16.73 19.86 16.46 17.92 12.99 11.38 9.65 11.41
Enterprise Value to NOPAT (EV/NOPAT)		 15.85 18.71 24.26 19.38 22.92 19.16 20.95 15.37 13.60 11.59 13.78
Enterprise Value to Operating Cash Flow (EV/OCF)		 10.86 15.62 22.37 21.97 15.05 13.31 16.53 12.02 14.53 11.41 12.94
Enterprise Value to Free Cash Flow (EV/FCFF)		 3.73 0.00 0.00 5.47 37.56 27.58 8.88 0.00 9.03 3.52 3.66
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.25 1.35 1.68 1.03 1.19 1.21 1.35 0.70 0.52 0.38 0.41
Long-Term Debt to Equity		 0.29 1.28 1.62 1.01 1.16 1.19 0.27 0.22 0.20 0.20 0.19
Financial Leverage		 1.57 1.18 1.24 1.31 1.22 1.28 1.51 0.85 0.80 0.73 0.80
Leverage Ratio		 10.61 10.41 10.54 10.72 10.47 10.46 10.54 9.15 9.05 8.89 8.73
Compound Leverage Factor		 10.61 10.41 10.54 10.72 10.47 10.46 10.54 9.15 9.05 8.89 8.73
Debt to Total Capital		 55.64% 57.37% 62.69% 50.80% 54.35% 54.73% 57.38% 41.09% 34.34% 27.42% 29.00%
Short-Term Debt to Total Capital		 42.97% 2.63% 2.17% 1.02% 1.37% 1.02% 45.71% 28.12% 21.14% 13.14% 15.47%
Long-Term Debt to Total Capital		 12.68% 54.74% 60.52% 49.78% 52.98% 53.72% 11.67% 12.97% 13.19% 14.27% 13.53%
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		 44.36% 42.63% 37.31% 49.20% 45.65% 45.27% 42.62% 58.91% 65.66% 72.58% 71.00%
Debt to EBITDA		 7.36 11.32 15.58 11.18 9.52 11.24 11.45 6.54 4.33 3.30 3.41
Net Debt to EBITDA		 6.39 10.14 14.16 9.09 8.19 9.10 9.88 5.35 3.13 1.93 2.44
Long-Term Debt to EBITDA		 1.68 10.80 15.05 10.95 9.28 11.03 2.33 2.06 1.66 1.72 1.59
Debt to NOPAT		 10.86 13.65 18.77 12.95 14.60 13.54 13.80 7.94 6.15 4.09 4.26
Net Debt to NOPAT		 9.43 12.23 17.06 10.53 12.56 10.96 11.91 6.49 4.45 2.39 3.05
Long-Term Debt to NOPAT		 2.48 13.03 18.12 12.69 14.23 13.29 2.81 2.51 2.36 2.13 1.99
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)		 149 -164 -377 88 -2.45 -0.67 65 -33 36 132 164
Operating Cash Flow to CapEx		 0.00% 611.38% 0.00% 0.00% 0.00% 0.00% 0.00% 3,417.66% 0.00% 2,761.90% 4,330.63%
Free Cash Flow to Firm to Interest Expense		 8.04 -7.55 -16.50 3.76 -0.11 -0.03 3.01 -1.58 1.85 7.35 9.15
Operating Cash Flow to Interest Expense		 0.11 0.03 0.52 0.55 1.03 0.17 0.52 0.92 0.50 0.68 0.95
Operating Cash Flow Less CapEx to Interest Expense		 0.11 0.03 0.53 0.55 1.03 0.17 0.54 0.89 0.51 0.65 0.93
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 2.69 2.68 2.72 2.81 2.97 3.19 3.40 3.67 3.93 4.26 4.61
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 839 867 1,002 802 851 878 948 847 828 761 798
Invested Capital Turnover		 0.18 0.20 0.19 0.18 0.18 0.18 0.17 0.20 0.21 0.22 0.21
Increase / (Decrease) in Invested Capital		 -140 171 384 -80 12 11 -54 45 -23 -117 -150
Enterprise Value (EV)		 681 682 812 609 726 680 826 674 629 591 749
Market Capitalization		 276 236 241 278 328 291 357 389 423 469 583
Book Value per Share		 $23.70 $23.56 $23.77 $25.06 $24.69 $25.67 $26.04 $25.84 $28.14 $26.63 $27.27
Tangible Book Value per Share		 $15.10 $14.98 $15.23 $16.56 $16.21 $17.08 $17.50 $18.99 $20.71 $19.75 $20.44
Total Capital		 839 867 1,002 802 851 878 948 847 828 761 798
Total Debt		 467 497 628 407 463 481 544 348 284 209 231
Total Long-Term Debt		 106 475 606 399 451 472 111 110 109 109 108
Net Debt		 405 446 571 331 398 389 470 285 206 122 166
Capital Expenditures (CapEx)		 0.00 0.12 -0.12 0.00 0.00 -0.04 -0.49 0.56 -0.26 0.44 0.40
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)		 467 497 628 407 463 481 544 348 284 209 231
Total Depreciation and Amortization (D&A)		 0.00 0.39 0.37 0.00 0.00 0.33 0.34 0.32 0.58 0.70 0.70
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.61 $0.41 $0.45 $0.53 $0.62 $0.66 $0.71 $0.68 $0.59 $0.72 $0.69
Adjusted Weighted Average Basic Shares Outstanding		 15.69M 15.13M 15.14M 15.74M 15.48M 15.52M 19.31M 19.31M 20.74M 20.78M 20.79M
Adjusted Diluted Earnings per Share		 $0.61 $0.41 $0.45 $0.53 $0.62 $0.66 $0.71 $0.68 $0.59 $0.72 $0.69
Adjusted Weighted Average Diluted Shares Outstanding		 15.69M 0.00 0.00 15.74M 15.48M 15.52M 19.31M 19.31M 20.74M 20.78M 20.79M
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		 15.69M 15.73M 15.74M 15.74M 15.48M 15.52M 19.31M 19.31M 20.74M 20.78M 20.79M
Normalized Net Operating Profit after Tax (NOPAT)		 9.66 6.36 7.06 8.37 9.89 10 11 13 12 15 14
Normalized NOPAT Margin		 24.84% 17.25% 18.45% 21.50% 24.51% 25.02% 26.60% 28.88% 26.48% 31.72% 30.07%
Pre Tax Income Margin		 28.90% 19.51% 21.11% 25.48% 28.19% 29.39% 31.15% 35.43% 31.83% 38.11% 36.09%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.61 0.33 0.35 0.42 0.52 0.57 0.60 0.76 0.76 1.00 0.96
NOPAT to Interest Expense		 0.52 0.29 0.31 0.36 0.45 0.49 0.51 0.62 0.64 0.83 0.80
EBIT Less CapEx to Interest Expense		 0.61 0.33 0.36 0.42 0.52 0.57 0.62 0.73 0.78 0.98 0.93
NOPAT Less CapEx to Interest Expense		 0.52 0.29 0.31 0.36 0.45 0.49 0.54 0.59 0.65 0.81 0.78
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 22.34% 27.19% 30.05% 31.98% 31.76% 28.70% 26.13% 25.26% 25.61% 25.35% 25.84%
Augmented Payout Ratio		 26.13% 31.75% 35.01% 32.53% 32.28% 29.20% 26.59% 25.65% 26.00% 25.99% 26.44%

Financials Breakdown Chart

Key Financial Trends

Civista Bancshares (NASDAQ:CIVB) has shown a generally stronger earnings trajectory over the available multi-year period. Net interest income increased from $30.4 million in Q3 2022 to $38.6 million in Q2 2026, while total revenue rose from $36.2 million in Q3 2022 to $47.6 million in the latest quarter. Q2 2026 net income was $14.3 million, up from $11.0 million in Q2 2025, and diluted earnings per share improved to $0.69 from $0.64 a year earlier. The latest results suggest that the company is benefiting from higher loan-related interest income and improved spread income.

Profitability has improved despite rising funding costs. Net interest income increased 2.0% sequentially from Q1 2026 and 10.9% year over year from Q2 2025. Interest expense was essentially flat year over year at $18.0 million, even as the company continued to rely heavily on interest-bearing deposits. Non-interest income remains a meaningful contributor, totaling $9.0 million in Q2 2026, although it declined from $9.4 million in Q1. Non-interest expense also fell sequentially to $28.7 million from $29.9 million, helping offset the higher provision for credit losses.

The balance sheet has expanded, but recent cash trends warrant attention. Total assets reached $4.29 billion at June 30, 2026, compared with $4.01 billion at June 30, 2024. Total deposits increased to $3.46 billion from $2.98 billion over the same period, while shareholders’ equity rose to $566.8 million from $373.8 million. However, cash and due from banks declined from $83.5 million at the end of Q1 2026 to $61.7 million at the end of Q2, and quarterly cash flow was negative $38.9 million. The reported balance sheet also shows net loans and leases of zero and a very large “other assets” balance, so investors should review the company’s filing for additional detail on asset classification.

  • Improving core earnings: Q2 2026 net interest income of $38.6 million was up from $34.8 million in Q2 2025 and $27.8 million in Q2 2024.
  • Higher net income and EPS: Net income increased approximately 30% year over year to $14.3 million, while diluted EPS rose from $0.64 to $0.69.
  • Revenue growth: Total revenue increased approximately 15% year over year to $47.6 million, supported primarily by higher loan interest income and stronger net interest income.
  • Expense control in the latest quarter: Non-interest expense declined to $28.7 million from $29.9 million in Q1 2026, despite ongoing investments in salaries, occupancy and operations.
  • Stronger capitalization: Total common equity increased to $566.8 million at June 30, 2026, compared with $499.0 million at September 30, 2025 and $373.8 million at June 30, 2024.
  • Deposit base expansion: Total deposits grew to approximately $3.46 billion in Q2 2026 from $2.98 billion two years earlier, providing a larger funding base.
  • Investment securities remain substantial: Trading account securities were $681.0 million at June 30, 2026, up from $631.8 million in Q2 2024. This provides liquidity and interest income but also exposes results to market and interest-rate movements.
  • Credit-cost trends are mixed: Q1 2026 included a $629,000 provision benefit, but Q2 2026 required a $1.8 million provision for credit losses, higher than the $1.0 million provision in Q2 2025.
  • Quarterly cash declined: Net cash and equivalents fell by $38.9 million in Q2 2026, following a $6.0 million decline in Q1. Financing outflows included deposit reductions, debt repayments and dividend payments.
  • Funding and balance-sheet complexity: Interest-bearing deposits totaled $2.76 billion and debt totaled roughly $231.5 million at June 30, 2026. The reported zero balance for net loans and leases alongside $3.37 billion of other assets makes asset composition and liquidity important areas for investors to monitor.
10/13/26 07:26 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. Check out Civista Bancshares' forecast to explore projected trends and price targets.

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%.

In the past 13 quarters, Civista Bancshares' cash and equivalents has ranged from $41.35 million in Q2 2023 to $90.46 million in Q1 2025, and is currently $61.74 million as of their latest financial filing in Q2 2026.

Civista Bancshares had total debt of $284.18 million at the end of 2025, a 38.6% decrease from 2024, and a 126.1% increase since 2015.

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 8/7/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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