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 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $19.02M | $19.12M | $30.45M | $24.54M | $19.64M | $16.95M |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $8.31M | $9.54M | $10.76M | $4.46M | $1.98M | $2.25M |
| Operating Income | $55.23M | $36.57M | $50.61M | $47.03M | $47.56M | $37.13M |
| Interest Expense | - | - | $57.24M | $11.05M | $6.32M | $10.14M |
| Income Tax | $9.02M | $4.89M | $7.65M | $7.61M | $7.02M | $4.94M |
| Net Income | $46.21M | $31.68M | $42.96M | $39.43M | $40.55M | $32.19M |
| EPS - Basic | $2.64 | $2.01 | $2.73 | $2.60 | $2.63 | $2.00 |
| EPS - Diluted | $2.64 | $2.01 | $2.73 | $2.60 | $2.63 | $2.00 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $77.32M | $63.16M | $60.41M | $43.36M | $264.24M | $139.52M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $4.34B | $4.10B | $3.86B | $3.54B | $3.01B | $2.76B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $3.79B | $3.71B | $3.49B | $3.20B | $2.66B | $2.41B |
| Stockholders' Equity | $543.47M | $388.50M | $372.00M | $334.83M | $355.21M | $350.11M |
| Retained Earnings | $239.78M | $205.41M | $183.79M | $156.49M | $125.56M | $93.05M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $43.27M | $48.25M | $62.70M | $25.18M | $40.76M | $32.21M |
| Investing Cash Flow | $55.59M | ($258.80M) | ($311.78M) | ($410.36M) | ($130.50M) | ($340.02M) |
| Financing Cash Flow | ($84.70M) | $213.30M | $266.13M | $164.30M | $216.93M | $398.80M |
| CapEx | $1.16M | $4.19M | $3.43M | $6.51M | $1.93M | $1.97M |
| Free Cash Flow | $42.12M | $44.06M | $59.27M | $18.68M | $38.83M | $30.23M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | 290.4% | 191.3% | 166.2% | 191.7% | 242.2% | 219.1% |
| EBITDA margin | 334.1% | 241.2% | 201.6% | 209.9% | 252.3% | 232.4% |
| Net margin | 242.9% | 165.7% | 141.1% | 160.7% | 206.5% | 190.0% |
| Free cash flow margin | 221.4% | 230.4% | 194.7% | 76.1% | 197.8% | 178.4% |
| FCF / Net income | 0.91 | 1.39 | 1.38 | 0.47 | 0.96 | 0.94 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 16.3% | 13.4% | 15.1% | 16.2% | 14.8% | 13.3% |
| Return on assets | 1.1% | 0.8% | 1.1% | 1.1% | 1.3% | 1.2% |
| Return on equity | 8.5% | 8.2% | 11.5% | 11.8% | 11.4% | 9.2% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | - | - | 0.9x | 4.3x | 7.5x | 3.7x |
| Equity multiplier | 7.98 | 10.55 | 10.38 | 10.57 | 8.48 | 7.89 |
| Liabilities / Assets | 0.87 | 0.91 | 0.90 | 0.91 | 0.88 | 0.87 |
| Efficiency | ||||||
| Asset turnover | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 8.4x | 10.5x | 6.8x | 8.5x | 9.3x | 8.8x |
| P / B | 0.7x | 0.8x | 0.8x | 1.0x | 1.1x | 0.8x |
| P / S | 20.3x | 16.9x | 9.2x | 13.4x | 19.1x | 16.7x |
| EV / EBITDA | 4.9x | 5.7x | 3.6x | 5.6x | 2.2x | 3.6x |
| Growth | ||||||
| Revenue growth (YoY) | -0.5% | -37.2% | 24.1% | 25.0% | 15.9% | -4.7% |
| Revenue CAGR (3y) | -8.1% | -0.9% | 21.6% | 11.3% | 13.9% | - |
| Revenue CAGR (5y) | 2.3% | 1.5% | 18.0% | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 51.0% | -27.7% | 7.6% | -1.1% | 28.1% | -6.1% |
| Net income growth (YoY) | 45.9% | -26.3% | 9.0% | -2.8% | 26.0% | -5.0% |
| EPS growth (YoY) | 31.3% | -26.4% | 5.0% | -1.1% | 31.5% | -0.5% |
| EPS CAGR (3y) | 0.5% | -8.6% | 10.9% | 9.0% | 37.1% | 16.0% |
| EPS CAGR (5y) | 5.7% | 0.0% | 21.8% | 15.2% | 10.9% | 11.3% |
| FCF growth (YoY) | -4.4% | -25.7% | 217.4% | -51.9% | 28.4% | -16.8% |
| FCF CAGR (5y) | 6.9% | 3.9% | 26.2% | -1.2% | 20.5% | 18.3% |
| Book value growth (YoY) | 39.9% | 4.4% | 11.1% | -5.7% | 1.5% | 6.1% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
3/9
Weak
- ✓Net income positive
- ✓Operating cash flow positive
- ✓ROA improved YoY
- ✗Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✗No share dilution
- -Gross margin improved
- ✗Asset turnover improved
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 |