Logo

CIVB

Civista Bancshares, Inc.

CIVB

Civista Bancshares, Inc. • NASDAQ
$22.74 ▼ -0.26% (-0.06)
Market Cap $439.17 M
52w High $25.59
52w Low $17.47
Dividend Yield 0.68%
P/E 8.55
Volume 45.69K
Outstanding Shares 19.31M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $63.8M ▲ $27.254M ▲ $12.76M ▲ 20% ▲ $0.68 ▼ $15.651M ▲
Q2-2025 $62.177M ▲ $26.799M ▲ $11.015M ▲ 17.716% ▲ $0.71 ▲ $13.234M ▲
Q1-2025 $61.013M ▼ $26.546M ▼ $10.168M ▲ 16.665% ▲ $0.66 ▲ $12.272M ▲
Q4-2024 $61.577M ▼ $27.624M ▲ $9.893M ▲ 16.066% ▲ $0.63 ▲ $11.378M ▲
Q3-2024 $61.811M $27.365M $8.366M 13.535% $0.53 $9.917M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $360.518M ▼ $4.113B ▼ $3.614B ▼ $499.028M ▲
Q2-2025 $717.483M ▲ $4.186B ▲ $3.782B ▲ $404.137M ▲
Q1-2025 $361.026M ▲ $4.147B ▲ $3.749B ▲ $397.434M ▲
Q4-2024 $329.943M ▼ $4.098B ▲ $3.71B ▲ $388.502M ▼
Q3-2024 $702.9M $4.061B $3.667B $394.438M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $0 $18.968M ▲ $65.621M ▲ $-95.681M ▼ $-11.092M ▲ $18.413M ▲
Q2-2025 $0 $11.081M ▲ $-54.847M ▼ $27.168M ▼ $-16.598M ▼ $10.861M ▲
Q1-2025 $0 $3.612M ▼ $-21.231M ▲ $44.92M ▲ $27.301M ▲ $3.451M ▼
Q4-2024 $0 $22.621M ▲ $-71.723M ▼ $37.595M ▲ $-11.507M ▼ $18.528M ▲
Q3-2024 $0 $12.905M $-23.056M $29.053M $18.902M $12.812M

Five-Year Company Overview

Income Statement

Income Statement Civista’s income statement shows a steady build in revenue over the past five years, reflecting loan growth, acquisitions, and a broader customer base. However, profit has not risen as quickly as revenue. Earnings were strongest recently and then eased back, suggesting pressure from higher funding costs, credit expenses, or operating costs. Margins look healthy for a community bank but slightly thinner than a couple of years ago, indicating that growth is coming with some cost and that the bank is working through a more challenging interest-rate environment.

Balance Sheet

Balance Sheet The balance sheet has expanded meaningfully, with assets climbing as Civista grows its footprint and lending activities. Equity has risen over time, which supports this growth and absorbs risk. At the same time, the bank is using more borrowed funds than in the past, so leverage has increased, though still within a typical range for a growing regional bank. Cash levels are modest and have come down from an earlier peak, which is not unusual for a bank but highlights the importance of stable deposits and wholesale funding access.

Cash Flow

Cash Flow Civista consistently generates positive cash flow from its core operations, indicating that the underlying banking business is producing cash, not consuming it. Free cash flow has also remained positive after routine investment in the business, and capital spending appears relatively light and controlled. Overall, the cash-flow profile points to a business that is self-funding its growth and investments without obvious strain, though bank cash flows can be volatile year to year as balance sheet mix changes.

Competitive Edge

Competitive Edge Civista operates as a regional community bank with deep roots in its core Midwest markets. Its strengths lie in long-standing local relationships, specialized lending niches such as agriculture, and an expanded commercial equipment leasing arm that reaches beyond its home footprint. The bank also offers wealth management and private banking, which help diversify revenue and deepen client ties. Relative to much larger banks, Civista competes on local knowledge, service, and tailored solutions rather than scale, which can be an advantage in its chosen markets but may limit national visibility and bargaining power.

Innovation and R&D

Innovation and R&D While Civista is not a heavy spender on cutting-edge technology in the way fintech firms are, it has steadily upgraded its digital tools in practical, customer-focused ways. Features like robust online and mobile banking for businesses, CardSwap for easy payment updates, and multi-factor authentication improve convenience and security rather than aiming for flashy disruption. Strategic acquisitions—particularly in leasing and specialized lending—function as a form of “innovation by acquisition,” adding new capabilities and revenue streams without major internal R&D. Future innovation is likely to continue along this path: incremental digital improvements, deeper niche expertise, and targeted deals.

Summary

Civista Bancshares presents the profile of a disciplined, steadily growing community bank. Revenue and the balance sheet have expanded, supported by acquisitions and niche lending and leasing capabilities, while earnings remain solid though under some margin pressure. The bank’s strengths include strong local franchises, specialized products, and a diversified set of services that deepen relationships with both retail and business clients. Key watchpoints include managing credit quality through the cycle, integrating acquisitions smoothly, and balancing growth with rising funding and operating costs. Overall, the picture is of a community-focused bank using targeted innovation and strategic deals to build a broader, more resilient franchise over time.

NEWS

November 6, 2025 · 5:00 PM UTC

Civista Bancshares Completes Merger with The Farmers Savings Bank, Expanding Community Banking Footprint in Northeast Ohio

Read more

October 23, 2025 · 7:00 AM UTC

Civista Bancshares, Inc. Announces Third-Quarter 2025 Financial Results of $0.68 per Common Share, up 28% from $0.53 per Common Share from Third-Quarter 2024

Read more

October 22, 2025 · 5:00 PM UTC

CIVISTA BANCSHARES, INC. DECLARES FOURTH QUARTER COMMON DIVIDEND

Read more

October 14, 2025 · 4:50 PM UTC

Civista Bancshares, Inc. and The Farmers Savings Bank Announce Receipt of Regulatory Approvals for Proposed Merger

Read more

September 30, 2025 · 4:50 PM UTC

CIVISTA BANCSHARES, INC. ANNOUNCES THIRD QUARTER 2025 EARNINGS RELEASE DATE

Read more