CIVB · Civista Bancshares, Inc. - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $4.82M | - | $6.18M | $5.11M | $4.79M | - | $5.19M | $5.79M | $5.67M | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | - | - | - | - | - | - | - | - | - | - |
| Operating Income | $18.01M | - | $15.65M | $12.90M | $11.94M | - | $9.92M | $8.08M | $7.20M | - |
| Interest Expense | - | - | - | - | - | - | - | $22.84M | $21.76M | - |
| Income Tax | $3.02M | - | $2.89M | $1.88M | $1.77M | - | $1.55M | $1.02M | $835.0K | - |
| Net Income | $14.99M | - | $12.76M | $11.02M | $10.17M | - | $8.37M | $7.06M | $6.36M | - |
| EPS - Basic | $0.72 | - | $0.68 | $0.71 | $0.66 | - | $0.53 | $0.45 | $0.41 | - |
| EPS - Diluted | $0.72 | - | $0.68 | $0.71 | $0.66 | - | $0.53 | $0.45 | $0.41 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $83.53M | $77.32M | $62.77M | $73.86M | $90.46M | $63.16M | $74.66M | $55.76M | $50.31M | $60.41M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $4.30B | $4.34B | $4.11B | $4.19B | $4.15B | $4.10B | $4.06B | $4.01B | $3.88B | $3.86B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $3.75B | $3.79B | $3.61B | $3.78B | $3.75B | $3.71B | $3.67B | $3.64B | $3.51B | $3.49B |
| Stockholders' Equity | $552.24M | $543.47M | $499.03M | $404.14M | $397.43M | $388.50M | $394.44M | $373.81M | $369.66M | $372.00M |
| Retained Earnings | $251.04M | $239.78M | $230.80M | $221.32M | $212.94M | $205.41M | $198.03M | $192.19M | $187.64M | $183.79M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $12.18M | - | - | - | $3.61M | - | - | - | $752.0K | - |
| Investing Cash Flow | $38.26M | - | - | - | ($21.23M) | - | - | - | ($34.17M) | - |
| Financing Cash Flow | ($44.24M) | - | - | - | $44.92M | - | - | - | $23.32M | - |
| CapEx | - | - | - | - | $161.0K | - | - | - | $123.0K | - |
| Free Cash Flow | - | - | - | - | $3.45M | - | - | - | $629.0K | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | 374.0% | - | 253.2% | 252.5% | 249.0% | - | 190.9% | 139.6% | 126.9% | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | 311.3% | - | 206.4% | 215.7% | 212.1% | - | 161.1% | 122.0% | 112.1% | - |
| Free cash flow margin | - | - | - | - | 72.0% | - | - | - | 11.1% | - |
| FCF / Net income | - | - | - | - | 0.34 | - | - | - | 0.10 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 16.8% | - | 18.5% | 14.6% | 14.8% | - | 15.6% | 12.6% | 11.6% | - |
| Return on assets | 0.3% | - | 0.3% | 0.3% | 0.2% | - | 0.2% | 0.2% | 0.2% | - |
| Return on equity | 2.7% | - | 2.6% | 2.7% | 2.6% | - | 2.1% | 1.9% | 1.7% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | 0.4x | 0.3x | - |
| Equity multiplier | 7.78 | 7.98 | 8.24 | 10.36 | 10.43 | 10.55 | 10.30 | 10.73 | 10.50 | 10.38 |
| Liabilities / Assets | 0.87 | 0.87 | 0.88 | 0.90 | 0.90 | 0.91 | 0.90 | 0.91 | 0.90 | 0.90 |
| Efficiency | ||||||||||
| Asset turnover | 0.00 | - | 0.00 | 0.00 | 0.00 | - | 0.00 | 0.00 | 0.00 | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 31.7x | - | 29.9x | 32.7x | 29.6x | - | 33.6x | 34.4x | 37.5x | - |
| P / B | - | - | - | - | - | - | - | - | - | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | 0.4% | - | 19.0% | -11.8% | -15.4% | - | 1.4% | -5.7% | -45.2% | - |
| Revenue CAGR (3y) | -22.5% | - | 9.1% | 3.4% | -8.6% | - | 6.1% | 7.8% | -1.7% | - |
| Revenue CAGR (5y) | -4.2% | - | 10.1% | 7.2% | -2.8% | - | 5.4% | 6.5% | 2.7% | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 50.8% | - | 57.8% | 59.5% | 65.9% | - | -19.0% | -31.0% | -53.3% | - |
| Net income growth (YoY) | 47.4% | - | 52.5% | 55.9% | 59.9% | - | -19.5% | -29.6% | -50.7% | - |
| EPS growth (YoY) | 9.1% | - | 28.3% | 57.8% | 61.0% | - | -19.7% | -29.7% | -50.0% | - |
| EPS CAGR (3y) | -4.2% | - | -1.9% | 10.2% | 5.0% | - | -6.1% | -8.6% | -15.5% | - |
| EPS CAGR (5y) | 1.1% | - | 7.2% | 11.6% | 7.0% | - | 2.9% | -2.5% | -6.4% | - |
| FCF growth (YoY) | - | - | - | - | 448.6% | - | - | - | -96.6% | - |
| FCF CAGR (5y) | - | - | - | - | -32.9% | - | - | - | -45.2% | - |
| Book value growth (YoY) | 39.0% | 39.9% | 26.5% | 8.1% | 7.5% | 4.4% | 18.5% | 6.8% | 6.3% | 11.1% |
Peer comparison
Same SIC group: State Commercial Banks
Comparing CIVISTA BANCSHARES against the 5 most active filers in the same SIC group.
Dividends
$0.70/share trailing 12 months · +6.1% YoY
| Ex-date | Per share |
|---|---|
| May 5, 2026 | $0.1800 |
| Feb 10, 2026 | $0.1800 |
| Nov 4, 2025 | $0.1700 |
| Aug 5, 2025 | $0.1700 |
| Apr 29, 2025 | $0.1700 |
| Feb 4, 2025 | $0.1700 |
| Nov 5, 2024 | $0.1600 |
| Aug 6, 2024 | $0.1600 |
| May 6, 2024 | $0.1600 |
| Feb 12, 2024 | $0.1600 |
| Nov 6, 2023 | $0.1600 |
| Aug 7, 2023 | $0.1600 |
| May 8, 2023 | $0.1500 |
| Feb 13, 2023 | $0.1400 |
| Nov 7, 2022 | $0.1400 |
| Aug 8, 2022 | $0.1400 |
| May 9, 2022 | $0.1400 |
| Feb 14, 2022 | $0.1400 |
| Oct 18, 2021 | $0.1400 |
| Jul 19, 2021 | $0.1400 |
| Apr 19, 2021 | $0.1200 |
| Jan 15, 2021 | $0.1200 |
| Oct 19, 2020 | $0.1100 |
| Jul 20, 2020 | $0.1100 |