Civista Bancshares, Inc. is a financial holding company engaged in the community banking business. The company is headquartered in Sandusky, Ohio. The Company, through its subsidiary, Civista Bank, is engaged in providing full-service banking, commercial lending, mortgage and wealth management services. Civista Bank, through its locations in Ohio counties of Erie, Crawford, Champaign, Cuyahoga, Franklin, Huron, Logan, Madison, Montgomery, Ottawa, Richland, Henry, Wood and Summit, in the Indiana counties of Dearborn and Ripley and in the Kentucky county of Kenton, conducts a general banking business that involves collecting customer deposits, making loans, purchasing securities, and offering Trust services. The company is also engaged in a general equipment leasing and financing business through its Civista Leasing & Financing (CLF) division. Civista Wealth Management division offers investment advisory services to individuals, families, businesses, and non-profits with personalized investment management, 401(k) advisory services for employers, financial planning, and trust services.
Financials in millions USD. Fiscal year is February - January.
Breakdown
TTM
12/31/2025
12/31/2024
12/31/2023
12/31/2022
12/31/2021
Revenue
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Revenue Growth (YoY)
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Cost of Revenue
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Gross Profit
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Selling, General & Admin
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Research & Development
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Operating Expenses
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Other Non Operating Income (Expenses)
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Pretax Income
55
55
36
50
47
47
Income Tax Expense
9
9
4
7
7
7
Net Income
46
46
31
41
38
40
Net Income Growth
24%
48%
-24%
8%
-5%
25%
Shares Outstanding (Diluted)
20.12
17.42
15.39
15.15
15
15.3
Shares Change (YoY)
40%
13%
2%
1%
-2%
-5%
EPS (Diluted)
2.28
2.64
2.01
2.73
2.6
2.63
EPS Growth
-11%
31%
-26%
5%
-1%
32%
Free Cash Flow
42
42
44
59
18
38
Free Cash Flow Per Share
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Gross Margin
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Operating Margin
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Profit Margin
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Free Cash Flow Margin
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EBITDA
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EBITDA Margin
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D&A For EBITDA
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9
11
12
5
2
EBIT
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EBIT Margin
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Effective Tax Rate
16.36%
16.36%
11.11%
14%
14.89%
14.89%
Follow-Up Questions
What are Civista Bancshares Inc's key financial statements?
According to the latest financial statement (Form-10K), Civista Bancshares Inc has a total asset of $4,336, Net profit of $46
What are the key financial ratios for CIVB?
Civista Bancshares Inc's Current ratio is 1.14, has a Net margin is 0, sales per share of $0.
How is Civista Bancshares Inc's revenue broken down by segment or geography?
Civista Bancshares Inc largest revenue segment is Commercial Real Estate Lending, at a revenue of 83,488,000 in the most earnings release.For geography, United States is the primary market for Civista Bancshares Inc, at a revenue of 83,488,000.
Is Civista Bancshares Inc profitable?
yes, according to the latest financial statements, Civista Bancshares Inc has a net profit of $46
Does Civista Bancshares Inc have any liabilities?
yes, Civista Bancshares Inc has liability of 3,792
How many outstanding shares for Civista Bancshares Inc?
Civista Bancshares Inc has a total outstanding shares of 20.74