CIVB
Civista Bancshares, Inc.
Price Chart
Latest Quote
$26.85
+0.33 (+1.24%)
Current Price
| Previous Close | $26.52 |
| Open | $26.93 |
| Day High | $27.04 |
| Day Low | $26.68 |
| Volume | 280,894 |
Stock Information
| Quarterly Dividend / Yield | $0.72 / 2.68% |
| Shares Outstanding | 20.78M |
| Quarterly Dividend Yield | 2.68% |
| Quarterly Dividend | $0.72 |
| Total Debt | $216.68M |
| Cash Equivalents | $89.12M |
| Revenue | $177.99M |
| Net Income | $50.88M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $558.03M |
| P/E Ratio | 9.94 |
| EPS (TTM) | $2.70 |
| Exchange | NCM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $686.84M |
| Sales | $177.99M |
| Income | $50.88M |
| Book/sh | $26.57 |
| Cash/sh | $4.29 |
| Employees | 535 |
Financial Ratios
| EPS Growth TTM | 47.40% |
Returns & Margins
| ROA | 1.21% |
| ROE | 10.75% |
| Operating Margin | 39.95% |
| Profit Margin | 28.67% |
Ownership
| Insider Ownership | 2.05% |
| Institutional Ownership | 66.45% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 9.25 |
| PEG | 1.37 |
| P/S | 3.14 |
| P/B | 1.01 |
Analyst Data
| Recommendation | none |
| Target Price | $27.67 |
Technical Indicators
| SMA20 | $26.19 |
| SMA50 | $25.16 |
| SMA200 | $22.84 |
| RSI | 58.98 |
| ATR | 0.7229 |
| Shares Float | 20.29M |
| Short Float | 1.33% |
| Short Ratio | 4.20 |
| Volatility | 0.67 |
| Rel Volume | 3.09 |
Performance History
| Week | +0.37% |
| Month | +8.22% |
| Quarter | +22.33% |
| 6 Months | +13.05% |
| YTD | +24.52% |
| Year | +26.21% |
| 3 Years | +76.55% |
| 5 Years | +38.43% |
| 10 Years | +184.14% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $26.85 | 302,400 |
| 2026-06-17 | $26.52 | 102,400 |
| 2026-06-16 | $26.91 | 115,500 |
| 2026-06-15 | $26.49 | 70,700 |
| 2026-06-12 | $27.21 | 71,400 |
| 2026-06-11 | $26.75 | 122,400 |
| 2026-06-10 | $26.82 | 123,600 |
| 2026-06-09 | $26.48 | 115,700 |
| 2026-06-08 | $26.37 | 84,500 |
| 2026-06-05 | $26.41 | 65,600 |
| 2026-06-04 | $26.08 | 67,700 |
| 2026-06-03 | $25.21 | 98,300 |
| 2026-06-02 | $25.82 | 74,200 |
| 2026-06-01 | $25.56 | 95,500 |
| 2026-05-29 | $25.90 | 109,400 |
| 2026-05-28 | $25.77 | 46,600 |
| 2026-05-27 | $25.65 | 68,000 |
| 2026-05-26 | $25.82 | 66,100 |
| 2026-05-22 | $25.46 | 83,900 |
| 2026-05-21 | $25.65 | 72,800 |
| 2026-05-20 | $25.17 | 98,700 |
| 2026-05-19 | $24.81 | 78,600 |
About Civista Bancshares, Inc.
Civista Bancshares, Inc. operates as the financial holding company for Civista Bank that provides banking services in the United States. The company offers personal and commercial checking accounts; retirement, money market, time, and savings accounts; safe deposit boxes; wire transfers; and automated teller services. It also provides internet banking; ACH origination; telephone banking; and mobile/digital banking services, as well as remote deposit capture banking services for retail and business customers. In addition, the company offers time deposits that consist of certificates of deposit, including those held in IRA accounts and reciprocal deposits. Further, its loan portfolio includes commercial and agriculture; commercial real estate  owner and non-owner occupied; residential and farm real estate; real estate construction; lease financing receivable; consumer; and other loans, as well as home equity line of credit. Additionally, the company holds and manages securities portfolio; leases general equipment; and provides captive insurance products and investment advisory services. It operates in North Central, West Central, South Western Ohio, South Eastern Indiana, and Northern Kentucky. The company was formerly known as First Citizens Banc Corp and changed its name to Civista Bancshares, Inc. in May 2015. Civista Bancshares, Inc. was founded in 1884 and is headquartered in Sandusky, Ohio.
đ° Latest News
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Civista Bancshares (CIVB) Could Be a Great Choice
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Civista (CIVB) Q1 2026 Earnings Call Transcript
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Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $169,821,000 | $151,914,000 | $160,239,000 | $137,032,000 |
| Operating Revenue | $169,821,000 | $151,914,000 | $160,239,000 | $137,032,000 |
| Expenses | ||||
| Interest Expense | $82,402,000 | $89,985,000 | $57,238,000 | $15,951,000 |
| Selling And Marketing Expense | $1,386,000 | $2,088,000 | $1,352,000 | $1,513,000 |
| General And Administrative Expense | $61,423,000 | $64,452,000 | $59,928,000 | $51,858,000 |
| Professional Expense And Contract Services Expense | $6,580,000 | $5,779,000 | $4,952,000 | $5,388,000 |
| Other Non Interest Expense | $26,222,000 | $21,523,000 | $20,900,000 | $18,419,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $46,212,000 | $31,683,000 | $42,964,000 | $39,427,000 |
| Net Interest Income | $138,583,000 | $116,710,000 | $125,496,000 | $110,204,000 |
| Interest Income | $220,985,000 | $206,695,000 | $182,734,000 | $126,155,000 |
| Normalized Income | $46,212,000 | $31,683,000 | $42,964,000 | $39,427,000 |
| Net Income From Continuing And Discontinued Operation | $46,212,000 | $31,683,000 | $42,964,000 | $39,427,000 |
| Net Income Common Stockholders | $46,212,000 | $31,683,000 | $42,964,000 | $39,427,000 |
| Net Income | $46,212,000 | $31,683,000 | $42,964,000 | $39,427,000 |
| Net Income Including Noncontrolling Interests | $46,212,000 | $31,683,000 | $42,964,000 | $39,427,000 |
| Net Income Continuous Operations | $46,212,000 | $31,683,000 | $42,964,000 | $39,427,000 |
| Pretax Income | $55,235,000 | $36,574,000 | $50,613,000 | $47,035,000 |
| Depreciation Amortization Depletion Income Statement | $1,564,000 | $1,484,000 | $1,579,000 | $1,296,000 |
| Depreciation And Amortization In Income Statement | $1,564,000 | $1,484,000 | $1,579,000 | $1,296,000 |
| Amortization Of Intangibles Income Statement | $1,564,000 | $1,484,000 | $1,579,000 | $1,296,000 |
| Per Share | ||||
| Diluted EPS | $2.64 | $2.01 | $2.73 | $2.60 |
| Basic EPS | $2.64 | $2.01 | $2.73 | $2.60 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $9,879,000 | $11,029,000 | $12,339,000 | $5,752,000 |
| Diluted Average Shares | $17,421,400 | $15,391,739 | $15,154,767 | $15,162,033 |
| Basic Average Shares | $17,421,400 | $15,391,739 | $15,154,767 | $15,162,033 |
| Diluted NI Availto Com Stockholders | $46,212,000 | $31,683,000 | $42,964,000 | $39,427,000 |
| Tax Provision | $9,023,000 | $4,891,000 | $7,649,000 | $7,608,000 |
| Gain On Sale Of Security | $271,000 | $285,000 | $-21,000 | $128,000 |
| Amortization | $1,564,000 | $1,484,000 | $1,579,000 | $1,296,000 |
| Selling General And Administration | $62,809,000 | $66,540,000 | $61,280,000 | $53,371,000 |
| Insurance And Claims | $2,682,000 | $2,631,000 | $1,637,000 | $797,000 |
| Salaries And Wages | $58,741,000 | $61,821,000 | $58,291,000 | $51,061,000 |
| Occupancy And Equipment | $14,034,000 | $14,650,000 | $16,480,000 | $9,771,000 |
| Otherunder Preferred Stock Dividend | - | - | $1,583,000 | $498,000 |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-15
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $399,936,000 | $255,099,000 | $236,974,000 | $198,381,000 |
| Total Assets | $4,336,453,000 | $4,098,469,000 | $3,861,418,000 | $3,639,445,000 |
| Goodwill And Other Intangible Assets | $143,538,000 | $133,403,000 | $135,028,000 | $136,454,000 |
| Other Intangible Assets | $13,100,000 | $7,883,000 | $9,508,000 | $10,759,000 |
| Receivables | $48,178,000 | $58,992,000 | $67,164,000 | $47,546,000 |
| Other Receivables | $33,742,000 | $45,539,000 | $54,345,000 | $36,368,000 |
| Accounts Receivable | $14,436,000 | $13,453,000 | $12,819,000 | $11,178,000 |
| Cash And Cash Equivalents | $78,485,000 | $64,605,000 | $61,631,000 | $44,838,000 |
| Cash Cash Equivalents And Federal Funds Sold | $78,485,000 | $64,605,000 | $61,631,000 | $44,838,000 |
| Debt | ||||
| Net Debt | $205,694,000 | $386,278,000 | $392,563,000 | $573,370,000 |
| Total Debt | $284,179,000 | $450,883,000 | $454,194,000 | $618,208,000 |
| Long Term Debt And Capital Lease Obligation | $109,179,000 | $111,883,000 | $116,194,000 | $224,508,000 |
| Long Term Debt | $109,179,000 | $111,883,000 | $116,194,000 | $224,508,000 |
| Current Debt And Capital Lease Obligation | $175,000,000 | $339,000,000 | $338,000,000 | $393,700,000 |
| Current Debt | $175,000,000 | $339,000,000 | $338,000,000 | $393,700,000 |
| Other Current Borrowings | $175,000,000 | $339,000,000 | $338,000,000 | $393,700,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $3,792,979,000 | $3,709,967,000 | $3,489,416,000 | $3,304,610,000 |
| Derivative Product Liabilities | $5,748,000 | $11,638,000 | $12,481,000 | $16,579,000 |
| Payables And Accrued Expenses | - | - | - | $24,696,000 |
| Equity | ||||
| Common Stock Equity | $543,474,000 | $388,502,000 | $372,002,000 | $334,835,000 |
| Total Equity Gross Minority Interest | $543,474,000 | $388,502,000 | $372,002,000 | $334,835,000 |
| Stockholders Equity | $543,474,000 | $388,502,000 | $372,002,000 | $334,835,000 |
| Gains Losses Not Affecting Retained Earnings | $-40,315,000 | $-53,357,000 | $-47,530,000 | $-58,045,000 |
| Other Equity Adjustments | $-40,315,000 | $-53,357,000 | $-47,530,000 | $-58,045,000 |
| Retained Earnings | $239,784,000 | $205,408,000 | $183,788,000 | $156,492,000 |
| Other | ||||
| Treasury Shares Number | $3,861,070 | $3,852,354 | $3,593,250 | $3,502,827 |
| Ordinary Shares Number | $20,746,474 | $15,487,667 | $15,695,424 | $15,728,234 |
| Share Issued | $24,607,544 | $19,340,021 | $19,288,674 | $19,231,061 |
| Tangible Book Value | $399,936,000 | $255,099,000 | $236,974,000 | $198,381,000 |
| Invested Capital | $827,653,000 | $839,385,000 | $826,196,000 | $953,043,000 |
| Total Capitalization | $652,653,000 | $500,385,000 | $488,196,000 | $559,343,000 |
| Treasury Stock | $75,764,000 | $75,586,000 | $75,422,000 | $73,794,000 |
| Capital Stock | $419,769,000 | $312,037,000 | $311,166,000 | $310,182,000 |
| Common Stock | $419,769,000 | $312,037,000 | $311,166,000 | $310,182,000 |
| Investments And Advances | $710,542,000 | $680,840,000 | $650,439,000 | $651,177,000 |
| Available For Sale Securities | $389,192,000 | $32,773,000 | $32,167,000 | $35,775,000 |
| Goodwill | $130,438,000 | $125,520,000 | $125,520,000 | $125,695,000 |
| Net PPE | $40,611,000 | $47,166,000 | $56,769,000 | $64,018,000 |
| Accumulated Depreciation | $-85,616,000 | $-85,287,000 | $-68,605,000 | $-42,072,000 |
| Gross PPE | $126,227,000 | $132,453,000 | $125,374,000 | $106,090,000 |
| Machinery Furniture Equipment | $73,702,000 | $83,656,000 | $76,564,000 | $63,033,000 |
| Buildings And Improvements | $44,093,000 | $40,494,000 | $40,418,000 | $35,138,000 |
| Land And Improvements | $8,432,000 | $8,303,000 | $8,392,000 | $7,919,000 |
| Other Short Term Investments | $321,350,000 | $648,067,000 | $618,272,000 | $615,402,000 |
| Current Accrued Expenses | - | - | - | $24,696,000 |
Fetched: 2026-06-15
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $42,115,000 | $44,060,000 | $59,269,000 | $18,675,000 |
| Operating Activities | ||||
| Operating Cash Flow | $43,273,000 | $48,246,000 | $62,698,000 | $25,183,000 |
| Cash Flow From Continuing Operating Activities | $43,273,000 | $48,246,000 | $62,698,000 | $25,183,000 |
| Operating Gains Losses | $-4,760,000 | $-4,718,000 | $-2,969,000 | $-3,525,000 |
| Investing Activities | ||||
| Capital Expenditure | $-1,158,000 | $-4,186,000 | $-3,429,000 | $-6,508,000 |
| Investing Cash Flow | $55,591,000 | $-258,801,000 | $-311,784,000 | $-410,364,000 |
| Cash Flow From Continuing Investing Activities | $55,591,000 | $-258,801,000 | $-311,784,000 | $-410,364,000 |
| Net Other Investing Changes | $1,465,000 | $1,073,000 | $-6,680,000 | - |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-178,000 | $-164,000 | $-1,628,000 | $-16,887,000 |
| Issuance Of Capital Stock | $75,666,000 | $0 | $0 | - |
| Financing Cash Flow | $-84,699,000 | $213,304,000 | $266,131,000 | $164,303,000 |
| Cash Flow From Continuing Financing Activities | $-84,699,000 | $213,304,000 | $266,131,000 | $164,303,000 |
| Cash Dividends Paid | $-11,836,000 | $-10,063,000 | $-9,599,000 | $-8,493,000 |
| Common Stock Dividend Paid | $-11,836,000 | $-10,063,000 | $-9,599,000 | $-8,493,000 |
| Net Common Stock Issuance | $75,488,000 | $-164,000 | $-1,628,000 | $-16,887,000 |
| Common Stock Issuance | $75,666,000 | $0 | $0 | - |
| Net Preferred Stock Issuance | - | - | - | - |
| Other | ||||
| Repayment Of Debt | $-2,849,000 | $-4,311,000 | $-61,357,000 | $-135,754,000 |
| Interest Paid Supplemental Data | $86,527,000 | $89,992,000 | $48,380,000 | $10,696,000 |
| Income Tax Paid Supplemental Data | $8,075,000 | $4,886,000 | $9,510,000 | $3,145,000 |
| End Cash Position | $77,320,000 | $63,155,000 | $60,406,000 | $43,361,000 |
| Beginning Cash Position | $63,155,000 | $60,406,000 | $43,361,000 | $264,239,000 |
| Changes In Cash | $14,165,000 | $2,749,000 | $17,045,000 | $-220,878,000 |
| Common Stock Payments | $-178,000 | $-164,000 | $-1,628,000 | $-16,887,000 |
| Net Issuance Payments Of Debt | $-166,849,000 | $-3,311,000 | $-62,543,000 | $257,946,000 |
| Net Short Term Debt Issuance | $-164,000,000 | $1,000,000 | $-1,186,000 | $393,700,000 |
| Net Long Term Debt Issuance | $-2,849,000 | $-4,311,000 | $-61,357,000 | $-135,754,000 |
| Long Term Debt Payments | $-2,849,000 | $-4,311,000 | $-61,357,000 | $-135,754,000 |
| Net Investment Purchase And Sale | $-12,483,000 | $-38,674,000 | $12,824,000 | $-37,206,000 |
| Sale Of Investment | $111,335,000 | $48,544,000 | $59,281,000 | $109,545,000 |
| Purchase Of Investment | $-123,818,000 | $-87,218,000 | $-46,457,000 | $-146,751,000 |
| Net Business Purchase And Sale | $149,474,000 | $0 | $0 | $-51,643,000 |
| Sale Of Business | $149,474,000 | $0 | $0 | - |
| Net PPE Purchase And Sale | $233,000 | $53,000 | $-3,429,000 | $-6,325,000 |
| Sale Of PPE | $1,391,000 | $4,239,000 | $0 | $183,000 |
| Purchase Of PPE | $-1,158,000 | $-4,186,000 | $-3,429,000 | $-6,508,000 |
| Change In Working Capital | $-7,480,000 | $3,036,000 | $5,690,000 | $-21,983,000 |
| Change In Other Working Capital | $-1,985,000 | $3,677,000 | $-1,527,000 | $-20,236,000 |
| Change In Payables And Accrued Expense | $-4,952,000 | $-7,000 | $8,858,000 | $302,000 |
| Change In Payable | $-4,952,000 | $-7,000 | $8,858,000 | $302,000 |
| Change In Account Payable | $-4,952,000 | $-7,000 | $8,858,000 | $302,000 |
| Change In Receivables | $-543,000 | $-634,000 | $-1,641,000 | $-2,049,000 |
| Changes In Account Receivables | $-543,000 | $-634,000 | $-1,641,000 | $-2,049,000 |
| Other Non Cash Items | $-3,861,000 | $3,038,000 | $761,000 | $3,710,000 |
| Stock Based Compensation | $852,000 | $871,000 | $984,000 | $819,000 |
| Amortization Of Securities | $554,000 | $962,000 | $468,000 | $1,607,000 |
| Deferred Tax | $1,188,000 | $-1,853,000 | $-675,000 | $483,000 |
| Deferred Income Tax | $1,188,000 | $-1,853,000 | $-675,000 | $483,000 |
| Depreciation Amortization Depletion | $9,879,000 | $11,029,000 | $12,339,000 | $5,752,000 |
| Depreciation And Amortization | $9,879,000 | $11,029,000 | $12,339,000 | $5,752,000 |
| Amortization Cash Flow | $1,564,000 | $1,484,000 | $1,579,000 | $1,296,000 |
| Amortization Of Intangibles | $1,564,000 | $1,484,000 | $1,579,000 | $1,296,000 |
| Depreciation | $8,315,000 | $9,545,000 | $10,760,000 | $4,456,000 |
| Gain Loss On Investment Securities | $-271,000 | $-285,000 | $21,000 | $-128,000 |
| Gain Loss On Sale Of PPE | $0 | $5,000 | $-82,000 | $0 |
| Net Income From Continuing Operations | $46,212,000 | $31,683,000 | $42,964,000 | $39,427,000 |
| Purchase Of Business | - | $0 | $0 | $-51,643,000 |
| Issuance Of Debt | - | - | $0 | $0 |
| Long Term Debt Issuance | - | - | $0 | $0 |
| Preferred Stock Payments | - | - | - | - |
Fetched: 2026-06-15