What is Civista Bancshares, Inc.'s earnings per share (EPS)?

Civista Bancshares, Inc. (CIVB) reported diluted earnings per share of $2.64 for fiscal year 2025. This represents a 31.3% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Civista Bancshares, Inc. (CIVB) Financials

CIVB

FY2025 annual

Revenue $172.6M +11.7% YoY

Net Income $46.2M +45.9% YoY

EPS (Diluted) $2.64 +31.3% YoY

Free Cash Flow $42.1M -4.4% YoY

Market Cap $570.6M as of Sep 12, 2026

Price / Sales 3.1x on $185.4M revenue, trailing 12 months to June 30, 2026

Price / Earnings 10.5x on $54.3M net income, trailing 12 months to June 30, 2026

Price / Book 1.0x on $566.8M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 12, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 6, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the CIVB SEC filings page.

Civista Bancshares, Inc. (CIVB) reported $172.6M in revenue for fiscal year 2025, up 11.7% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI CIVB FY2025 2026-09-05

Civista’s 2025 earnings rebound paired with cash conversion, while balance-sheet strengthening came alongside a much larger equity base.

FY2025’s cash conversion was unusually tight: operating cash flow of $43M nearly matched net income of $46M, while free cash flow stayed close to operating cash flow. That alignment indicates the earnings rebound was being realized in cash, not mainly consumed by reinvestment, which matters more than the income statement’s recovery alone.

The capital structure became less debt-dependent: debt-to-equity fell from 9.5x to 7.0x as the equity base expanded, giving liabilities a larger capital cushion. Yet share-count expansion from 15.5M to 20.7M means the improved leverage profile coincided with a substantially larger share base, not merely a change in liabilities.

Net margin rebounded from 20.5% in FY2024 to 26.8% in FY2025 as revenue recovered and interest expense eased, pointing to financing-cost relief contributing to the rebound rather than volume alone. Even so, return on assets was 1.1% in FY2025 versus 1.4% in FY2021, implying the enlarged asset base is still producing less profit per asset than earlier.

Financial Health Signals

Financial Health Score 57/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Civista Bancshares, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Civista Bancshares, Inc. earned a return on assets of 1.1% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.8% the prior year. Earnings ranks banks on that return over three years, and Civista Bancshares, Inc. scores 60/100 among other banks.

Growth

Civista Bancshares, Inc. reported revenue of $172.6M in fiscal year 2025, against $154.5M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Civista Bancshares, Inc. scores 27/100 among other banks.

Capital

Civista Bancshares, Inc. funded 12.5% of its assets with shareholders' equity at the end of fiscal year 2025, holding $543.5M of equity against $4.3B of assets. Capital ranks banks on that cushion, and Civista Bancshares, Inc. scores 64/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Civista Bancshares, Inc. scores 35/100 on it among other banks.

Credit Quality

Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Civista Bancshares, Inc. scores 75/100 on it among other banks.

Stability

Civista Bancshares, Inc. reported net income of $46.2M in fiscal year 2025, against $31.7M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Civista Bancshares, Inc. scores 83/100 among other banks.

Piotroski F-Score Partial

4/6

Civista Bancshares, Inc. passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Mixed

0.94x

For every $1 of reported earnings, Civista Bancshares, Inc. generates $0.94 in operating cash flow ($43.3M OCF vs $46.2M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

$47.6M

YoY+15.0%

QoQ+0.7%

5Y CAGR+7.7%

10Y CAGR+10.8%

Civista Bancshares, Inc. generated $47.6M in revenue in Q2 2026. This represents an increase of 15.0% from the same quarter a year earlier. Against the prior quarter it is up 0.7%.

Net Income

$14.3M

YoY+30.0%

QoQ-4.5%

5Y CAGR+9.3%

10Y CAGR+10.7%

Civista Bancshares, Inc. reported $14.3M in net income in Q2 2026. This represents an increase of 30.0% from the same quarter a year earlier. Against the prior quarter it is down 4.5%.

EPS (Diluted)

$0.69

YoY-2.8%

QoQ-4.2%

5Y CAGR+3.2%

10Y CAGR+3.9%

Civista Bancshares, Inc. earned $0.69 per diluted share (EPS) in Q2 2026. This represents a decrease of 2.8% from the same quarter a year earlier. Against the prior quarter it is down 4.2%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Cash & Debt

$61.7M

YoY-16.4%

QoQ-26.1%

5Y CAGR-24.1%

Civista Bancshares, Inc. held $61.7M in cash as of Q2 2026; long-term debt is not reported for that period.

Shares Outstanding

21M

YoY+7.7%

QoQ+0.1%

5Y CAGR+6.6%

10Y CAGR+10.0%

Civista Bancshares, Inc. had 21M shares outstanding in Q2 2026. This represents an increase of 7.7% from the same quarter a year earlier. Against the prior quarter it is up 0.1%.

Free Cash Flow

Not reported for Q2 2026.

Dividends Per Share

Not reported for Q2 2026.

Margins & Returns

Net Margin

30.1%

YoY+3.5pp

QoQ-1.6pp

5Y change+2.2pp

10Y change-0.4pp

Civista Bancshares, Inc.'s net profit margin was 30.1% in Q2 2026, showing the share of revenue converted to profit. This is up 3.5 percentage points from the same quarter a year earlier. Against the prior quarter it is down 1.6 percentage points.

Return on Equity

2.5%

YoY-0.2pp

QoQ-0.2pp

5Y change-0.1pp

10Y change-1.3pp

Civista Bancshares, Inc.'s ROE was 2.5% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.2 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.2 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

QoQ-100.0%

Civista Bancshares, Inc. repurchased no shares in Q2 2026. Against the prior quarter it is down 100.0%.

R&D Spending

Not reported for Q2 2026.

Capital Expenditures

Not reported for Q2 2026.

CIVB Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CIVB quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$185.4M	$172.6M+11.7%	$154.5M-5.0%	$162.7M+16.8%	$139.3M+9.8%	$126.9M+7.6%	$117.9M+9.6%	$107.5M+27.7%	$84.2M+18.9%	$70.8M+6.7%	$66.4M+7.7%	$61.7M+10.6%	$55.7M+7.1%	$52.0M+0.5%	$51.8M0.0%	$51.8M
SG&A Expenses	$61.7M	$58.7M-5.0%	$61.8M+6.1%	$58.3M+14.2%	$51.1M+14.3%	$44.7M+5.2%	$42.5M+8.5%	$39.2M+5.0%	$37.3M+27.5%	$29.3M+15.5%	$25.3M+7.2%	$23.6M+6.0%	$22.3M-10.0%	$24.8M+20.8%	$20.5M-44.9%	$37.2M
Interest Expense	$75.9M	$82.4M-8.4%	$90.0M+57.2%	$57.2M+258.8%	$16.0M+65.7%	$9.6M-5.0%	$10.1M-21.7%	$13.0M+71.1%	$7.6M+85.0%	$4.1M+23.7%	$3.3M0.0%	$3.3M-19.4%	$4.1M-16.4%	$4.9M-20.7%	$6.2M-17.5%	$7.5M
Income Tax	$11.3M	$9.0M+84.5%	$4.9M-36.1%	$7.6M+0.5%	$7.6M-2.9%	$7.8M+58.6%	$4.9M-13.1%	$5.7M+115.3%	$2.6M-58.5%	$6.4M-3.9%	$6.6M+38.4%	$4.8M+51.2%	$3.2M+130.3%	$1.4M-20.4%	$1.7M+103.7%	$847K
Net Income	$54.3M	$46.2M+45.9%	$31.7M-26.3%	$43.0M+9.0%	$39.4M-2.8%	$40.5M+26.0%	$32.2M-5.0%	$33.9M+139.6%	$14.1M-10.9%	$15.9M-7.8%	$17.2M+35.1%	$12.7M+33.8%	$9.5M+54.2%	$6.2M+10.8%	$5.6M+41.0%	$4.0M
EPS (Basic)	N/A	$2.64+31.3%	$2.01-26.4%	$2.73+5.0%	$2.60-1.1%	$2.63+31.5%	$2.00-5.7%	$2.12+92.7%	$1.10-25.7%	$1.48-24.5%	$1.96+37.1%	$1.43+44.4%	$0.99+52.3%	$0.65+14.0%	$0.57+58.3%	$0.36
EPS (Diluted)	$2.69	$2.64+31.3%	$2.01-26.4%	$2.73+5.0%	$2.60-1.1%	$2.63+31.5%	$2.00-0.5%	$2.01+97.1%	$1.02-20.3%	$1.28-18.5%	$1.57+34.2%	$1.17+37.6%	$0.85+32.8%	$0.64+12.3%	$0.57+58.3%	$0.36
Diluted Shares (Avg)	N/A	17M+13.2%	15M+1.6%	15M+1.2%	15M-2.4%	15M-4.6%	16M-4.6%	17M+21.6%	14M+12.2%	12M+12.8%	11M+0.3%	11M+0.1%	11M+39.4%	8M-99.9%	7.71B0.0%	7.71B

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$47.6M+15.0%	$47.3M+16.3%	$46.3M+14.8%	$44.2M+12.3%	$41.4M+8.6%	$40.6M+10.9%	$40.4M+3.9%	$39.3M-0.7%
SG&A Expenses	$15.7M+4.8%	$16.2M+15.6%	$14.5M-2.5%	$15.2M-3.6%	$15.0M-4.6%	$14.0M-9.1%	$14.9M+5.3%	$15.7M+11.9%
Interest Expense	$18.0M-16.3%	$18.0M-14.2%	$19.3M-11.8%	$20.7M-12.0%	$21.5M-6.1%	$21.0M-3.7%	$21.9M+13.0%	$23.5M+64.6%
Income Tax	$2.9M+52.2%	$3.0M+70.5%	$2.5M+66.9%	$2.9M+86.4%	$1.9M+84.4%	$1.8M+112.2%	$1.5M-6.1%	$1.6M-16.6%
Net Income	$14.3M+30.0%	$15.0M+47.4%	$12.3M+24.0%	$12.8M+52.5%	$11.0M+55.9%	$10.2M+59.9%	$9.9M+2.5%	$8.4M-19.5%
EPS (Basic)	$0.69-2.8%	$0.72+9.1%	$0.60-3.2%	$0.68+28.3%	$0.71+57.8%	$0.66+61.0%	$0.62+1.6%	$0.53-19.7%
EPS (Diluted)	$0.69-2.8%	$0.72+9.1%	$0.60-3.2%	$0.68+28.3%	$0.71+57.8%	$0.66+61.0%	$0.62+1.6%	$0.53-19.7%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA, Diluted Shares (Avg).

CIVB Balance Sheet

CIVB quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$4.3B+5.8%	$4.1B+6.1%	$3.9B+6.1%	$3.6B+20.8%	$3.0B+8.8%	$2.8B+19.9%	$2.3B+8.0%	$2.1B+40.2%	$1.5B+10.8%	$1.4B+4.7%	$1.3B+8.4%	$1.2B+3.9%	$1.2B+2.7%	$1.1B+2.2%	$1.1B
Cash & Equivalents	$77.3M+22.4%	$63.2M+4.6%	$60.4M+39.3%	$43.4M-83.6%	$264.2M+92.8%	$137.0M+194.3%	$46.6M+11.4%	$41.8M+3.2%	$40.5M	N/A	N/A	N/A	N/A	N/A	N/A
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$130.4M+3.9%	$125.5M0.0%	$125.5M-0.1%	$125.7M+63.6%	$76.9M0.0%	$76.9M0.0%	$76.9M0.0%	$76.9M+183.6%	$27.1M0.0%	$27.1M0.0%	$27.1M+24.7%	$21.7M0.0%	$21.7M0.0%	$21.7M0.0%	$21.7M
Total Liabilities	$3.8B+2.2%	$3.7B+6.3%	$3.5B+5.6%	$3.3B+24.3%	$2.7B+9.9%	$2.4B+22.2%	$2.0B+7.6%	$1.8B+37.2%	$1.3B+8.2%	$1.2B+4.2%	$1.2B+8.4%	$1.1B+5.6%	$1.0B+0.6%	$1.0B+2.2%	$1.0B
Total Equity	$543.5M+39.9%	$388.5M+4.4%	$372.0M+13.2%	$328.8M-7.4%	$355.2M+1.5%	$350.1M+6.1%	$330.1M+10.4%	$298.9M+62.0%	$184.5M+34.0%	$137.6M+9.9%	$125.2M+8.0%	$115.9M-9.7%	$128.4M+23.5%	$104.0M+1.4%	$102.5M
Retained Earnings	$239.8M+16.7%	$205.4M+11.8%	$183.8M+17.4%	$156.5M+24.6%	$125.6M+34.9%	$93.0M+36.9%	$68.0M+64.5%	$41.3M+30.5%	$31.7M+64.3%	$19.3M+263.5%	$5.3M+223.1%	-$4.3M+60.2%	-$10.8M+26.3%	-$14.7M+16.9%	-$17.7M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$4.3B+2.6%	$4.3B+3.7%	$4.3B+5.8%	$4.1B+1.3%	$4.2B+4.3%	$4.1B+6.9%	$4.1B+6.1%	$4.1B+8.8%
Cash & Equivalents	$61.7M-16.4%	$83.5M-7.7%	$77.3M+22.4%	$62.8M-15.9%	$73.9M+32.5%	$90.5M+79.8%	$63.2M+4.6%	$74.7M+48.4%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$130.4M+3.9%	$130.4M+3.9%	$130.4M+3.9%	$125.5M0.0%	$125.5M0.0%	$125.5M0.0%	$125.5M0.0%	$125.5M+0.4%
Total Liabilities	$3.7B-1.4%	$3.7B-0.1%	$3.8B+2.2%	$3.6B-1.4%	$3.8B+3.9%	$3.7B+6.8%	$3.7B+6.3%	$3.7B+7.8%
Total Equity	$566.8M+40.2%	$552.2M+39.0%	$543.5M+39.9%	$499.0M+26.5%	$404.1M+8.1%	$397.4M+7.5%	$388.5M+4.4%	$394.4M+18.5%
Retained Earnings	$261.6M+18.2%	$251.0M+17.9%	$239.8M+16.7%	$230.8M+16.5%	$221.3M+15.2%	$212.9M+13.5%	$205.4M+11.8%	$198.0M+12.1%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

CIVB Cash Flow Statement

CIVB quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$57.9M	$43.3M-10.3%	$48.2M-23.1%	$62.7M+149.0%	$25.2M-38.2%	$40.8M+24.8%	$32.7M-15.8%	$38.8M+97.7%	$19.6M-5.7%	$20.8M+17.6%	$17.7M+17.5%	$15.1M+1.3%	$14.9M+16.2%	$12.8M-24.2%	$16.9M-19.0%	$20.8M
Depreciation & Amortization	N/A	$9.9M-10.4%	$11.0M-10.6%	$12.3M+114.5%	$5.8M+100.7%	$2.9M-9.5%	$3.2M-0.6%	$3.2M+69.3%	$1.9M+2.5%	$1.8M-6.2%	$2.0M+2.7%	$1.9M-2.1%	$1.9M-10.8%	$2.2M-11.6%	$2.5M-9.1%	$2.7M
Stock-Based Compensation	N/A	$852K-2.2%	$871K-11.5%	$984K+20.1%	$819K+16.7%	$702K+13.8%	$617K+16.2%	$531K+24.1%	$428K+0.5%	$426K+31.9%	$323K+204.7%	$106K	N/A	N/A	N/A	N/A
Capital Expenditures	N/A	$1.2M-72.3%	$4.2M+22.1%	$3.4M-47.3%	$6.5M+237.7%	$1.9M-2.3%	$2.0M-38.4%	$3.2M+117.5%	$1.5M+45.0%	$1.0M-58.4%	$2.4M+21.9%	$2.0M+312.2%	$485K-58.0%	$1.2M+27.6%	$905K-27.3%	$1.2M
Free Cash Flow	N/A	$42.1M-4.4%	$44.1M-25.7%	$59.3M+217.4%	$18.7M-51.9%	$38.8M+26.6%	$30.7M-13.8%	$35.6M+96.1%	$18.2M-8.3%	$19.8M+29.7%	$15.3M+16.8%	$13.1M-9.2%	$14.4M+23.6%	$11.7M-27.1%	$16.0M-18.4%	$19.6M
Investing Cash Flow	$155.6M	$55.6M+121.5%	-$258.8M+17.0%	-$311.8M+24.0%	-$410.4M-214.5%	-$130.5M+61.7%	-$341.0M-126.2%	-$150.8M-346.2%	-$33.8M+76.9%	-$146.2M-129.9%	-$63.6M	N/A	N/A	-$55.9M-41.4%	-$39.5M+21.4%	-$50.3M
Financing Cash Flow	-$225.6M	-$84.7M-139.7%	$213.3M-19.8%	$266.1M+62.0%	$164.3M-24.3%	$216.9M-45.6%	$398.8M+241.6%	$116.7M+610.9%	$16.4M-87.3%	$129.2M+174.9%	$47.0M	N/A	N/A	$31.2M+87.4%	$16.7M+555.6%	$2.5M
Dividends Paid	$14.0M	$11.8M+17.6%	$10.1M+4.8%	$9.6M+13.0%	$8.5M+5.7%	$8.0M+12.9%	$7.1M-1.1%	$7.2M+51.5%	$4.7M+29.0%	$3.7M+13.2%	$3.3M+3.7%	$3.1M-6.0%	$3.3M+44.2%	$2.3M	N/A	N/A
Share Buybacks	$329K	$178K+8.5%	$164K-89.9%	$1.6M-90.4%	$16.9M-24.3%	$22.3M+65.8%	$13.5M+244.2%	$3.9M	N/A	$4K	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$17.1M+54.4%	$12.2M+237.2%	$9.6M-57.1%	$19.0M+47.0%	$11.1M-9.1%	$3.6M+380.3%	$22.4M+963.9%	$12.9M-39.9%
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	$161K+30.9%	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	$3.5M+448.6%	N/A	N/A
Investing Cash Flow	-$14.3M+73.8%	$38.3M+280.2%	$66.0M+192.4%	$65.6M+384.6%	-$54.8M+57.8%	-$21.2M+37.9%	-$71.5M+24.7%	-$23.1M+82.4%
Financing Cash Flow	-$24.5M-190.3%	-$44.2M-198.5%	-$61.1M-262.5%	-$95.7M-429.3%	$27.2M-78.0%	$44.9M+92.6%	$37.6M-63.5%	$29.1M-75.5%
Dividends Paid	$3.7M+41.8%	$3.7M+41.8%	$3.3M+30.3%	$3.3M+30.4%	$2.6M+4.8%	$2.6M+4.9%	$2.5M+0.3%	$2.5M-0.1%
Share Buybacks	$0	$318K+90.4%	$4K	$7K-41.7%	$0	$167K+9.9%	$0-100.0%	$12K-99.2%

Not reported in any period shown, so not listed: Depreciation & Amortization, Stock-Based Compensation.

CIVB Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CIVB quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	26.8%+6.3pp	20.5%-5.9pp	26.4%-1.9pp	28.3%-3.6pp	32.0%+4.7pp	27.3%-4.2pp	31.5%+14.7pp	16.8%-5.6pp	22.4%-3.5pp	25.9%+5.3pp	20.7%+3.6pp	17.1%+5.2pp	11.9%+1.1pp	10.8%+3.1pp	7.6%
Return on Equity	8.5%+0.3pp	8.2%-3.4pp	11.6%-0.4pp	12.0%+0.6pp	11.4%+2.2pp	9.2%-1.1pp	10.3%+5.5pp	4.7%-3.9pp	8.6%-3.9pp	12.5%+2.3pp	10.2%+2.0pp	8.2%+3.4pp	4.8%-0.6pp	5.4%+1.5pp	3.9%
Return on Assets	1.1%+0.3pp	0.8%-0.3pp	1.1%0.0pp	1.1%-0.3pp	1.4%+0.2pp	1.2%-0.3pp	1.5%+0.8pp	0.7%-0.4pp	1.0%-0.2pp	1.3%+0.3pp	1.0%+0.2pp	0.8%+0.3pp	0.5%0.0pp	0.5%+0.1pp	0.4%
Debt-to-Equity	6.98-2.6x	9.55+0.2x	9.38-0.7x	10.05+2.6x	7.48+0.6x	6.91+0.9x	6.00-0.2x	6.16-1.1x	7.27-1.7x	9.01-0.5x	9.510.0x	9.47+1.4x	8.09-1.8x	9.93+0.1x	9.86
Asset Turnover	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.050.0x	0.040.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.040.0x	0.050.0x	0.05
FCF Margin	24.4%-4.1pp	28.5%-7.9pp	36.4%+23.0pp	13.4%-17.2pp	30.6%+4.6pp	26.0%-7.1pp	33.1%+11.6pp	21.6%-6.4pp	28.0%+5.0pp	23.0%+1.8pp	21.2%-4.6pp	25.8%+3.4pp	22.4%-8.5pp	30.9%-7.0pp	37.8%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	30.1%+3.5pp	31.7%+6.7pp	26.5%+2.0pp	28.9%+7.6pp	26.6%+8.1pp	25.0%+7.7pp	24.5%-0.3pp	21.3%-4.9pp
Return on Equity	2.5%-0.2pp	2.7%+0.1pp	2.3%-0.3pp	2.6%+0.4pp	2.7%+0.8pp	2.6%+0.8pp	2.5%-0.1pp	2.1%-1.0pp
Return on Assets	0.3%+0.1pp	0.4%+0.1pp	0.3%0.0pp	0.3%+0.1pp	0.3%+0.1pp	0.3%+0.1pp	0.2%0.0pp	0.2%-0.1pp
Debt-to-Equity	6.58-2.8x	6.78-2.7x	6.98-2.6x	7.24-2.1x	9.36-0.4x	9.43-0.1x	9.55+0.2x	9.30-0.9x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	N/A	N/A	N/A	N/A	N/A	8.5%+6.8pp	N/A	N/A

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Civista Bancshares, Inc. CIVB	FY2025	$172.6M	$46.2M	26.8%	$570.6M	57/100
Greene County Bancorp Inc GCBC	FY2026	$92.6M	$41.0M	44.3%	$608.0M	65/100
Bank of Marin Bancorp BMRC	FY2025	$29.4M	$26.5M	90.0%	$450.0M	17/100
Southern First Bancshares, Inc. SFST	FY2025	$118.1M	$30.4M	25.7%	$597.9M	43/100
Bankwell Financial Group Inc BWFG	FY2025	$108.3M	$35.2M	32.5%	$546.6M	37/100

Where Civista Bancshares, Inc. Ranks

Frequently Asked Questions

What is Civista Bancshares, Inc.'s annual revenue?

Civista Bancshares, Inc. (CIVB) reported $172.6M in total revenue for fiscal year 2025. This represents a 11.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Civista Bancshares, Inc.'s revenue growing?

Civista Bancshares, Inc. (CIVB) revenue grew by 11.7% year-over-year, from $154.5M to $172.6M in fiscal year 2025.

Is Civista Bancshares, Inc. profitable?

Yes, Civista Bancshares, Inc. (CIVB) reported a net income of $46.2M in fiscal year 2025, with a net profit margin of 26.8%.

What is Civista Bancshares, Inc.'s net profit margin?

Civista Bancshares, Inc. (CIVB) had a net profit margin of 26.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Civista Bancshares, Inc.'s return on equity (ROE)?

Civista Bancshares, Inc. (CIVB) has a return on equity of 8.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Civista Bancshares, Inc.'s free cash flow?

Civista Bancshares, Inc. (CIVB) generated $42.1M in free cash flow during fiscal year 2025. This represents a -4.4% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Civista Bancshares, Inc.'s operating cash flow?

Civista Bancshares, Inc. (CIVB) generated $43.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Civista Bancshares, Inc.'s total assets?

Civista Bancshares, Inc. (CIVB) had $4.3B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Civista Bancshares, Inc.'s capital expenditures?

Civista Bancshares, Inc. (CIVB) invested $1.2M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Civista Bancshares, Inc. buy back shares?

Yes, Civista Bancshares, Inc. (CIVB) spent $178K on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Civista Bancshares, Inc. have outstanding?

Civista Bancshares, Inc. (CIVB) had 21M shares outstanding as of fiscal year 2025.

What is Civista Bancshares, Inc.'s debt-to-equity ratio?

Civista Bancshares, Inc. (CIVB) had a debt-to-equity ratio of 6.98 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Civista Bancshares, Inc.'s return on assets (ROA)?

Civista Bancshares, Inc. (CIVB) had a return on assets of 1.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Civista Bancshares, Inc.'s P/E ratio?

Civista Bancshares, Inc. (CIVB) trades at 10.5x earnings, its market capitalization divided by net income of $54.3M net income, trailing 12 months to June 30, 2026. The market capitalization is $570.6M as of Sep 12, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Civista Bancshares, Inc.'s price-to-sales ratio?

Civista Bancshares, Inc. (CIVB) trades at 3.1x sales, its market capitalization divided by revenue of $185.4M revenue, trailing 12 months to June 30, 2026. The market capitalization is $570.6M as of Sep 12, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Civista Bancshares, Inc.'s Piotroski F-Score?

Civista Bancshares, Inc. (CIVB) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Civista Bancshares, Inc.'s earnings high quality?

Civista Bancshares, Inc. (CIVB) has an earnings quality ratio of 0.94x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Civista Bancshares, Inc.?

Civista Bancshares, Inc. (CIVB) scores 57 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.