Civista Bancshares, Inc.
CIVB Nasdaq· State Commercial Banks
Last close · Oct 26, 2026
$28.22
KIRA · Stoqly’s AI analyst, in plain words
- Civista Bancshares, Inc. had $19.0M of revenue in fiscal 2025, down 0.5% on the year before. Over five years, revenue changed +2.3% a year on average.
- Civista Bancshares, Inc. made $46.2M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 5.9% a year.
- Civista Bancshares, Inc. returned $12.0M to shareholders in fiscal 2025, 29% of free cash flow. The diluted share count rose 13.2%.
- It earned 9.9% on shareholders’ money. Running costs took 598.9% of revenue (the efficiency ratio; lower is better).
Market cap
$492M
P/E
10.5x
Revenue
$19.0M
Net income
$46.2M
Return on equity
9.9%
Efficiency ratio
598.9%
Civista Bancshares, Inc. in 30 seconds · fiscal 2025
Are sales growing?
−0.5%
No. Sales fell 0.5% last year.
Does it make a profit?
242.9%
Yes. It keeps 242.9% of every sale as profit.
How lean are its costs?
598.9%
Costly. Running costs take 598.9% of revenue.
How much does it earn on its capital?
9.9%
Fair. It earns 9.9% a year on shareholders’ money.
How is the share priced?
10.5x
One share costs 10.5 times its yearly profit per share.
What Civista Bancshares, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 6, 2026
- Legal name
- CIVISTA BANCSHARES, INC.
- CIK
- 0000944745
Civista Bancshares, Inc. · CIVB
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $19.6M | $24.5M | $30.4M | $19.1M | $19.0M |
| Revenue growth | 15.9% | 25.0% | 24.1% | −37.2% | −0.5% |
| Net interest income | $95.4M | $110M | $125M | $117M | $139M |
| Net income | $40.5M | $39.4M | $43.0M | $31.7M | $46.2M |
| Net margin | 206.5% | 160.7% | 141.1% | 165.7% | 242.9% |
| Diluted EPS | $2.63 | $2.60 | $2.73 | $2.01 | $2.64 |
| Cash | |||||
| Cash from operations | $40.8M | $25.2M | $62.7M | $48.2M | $43.3M |
| Capital expenditure | $1.9M | $6.5M | $3.4M | $4.2M | $1.2M |
| Free cash flow | $38.8M | $18.7M | $59.3M | $44.1M | $42.1M |
| FCF margin | 197.8% | 76.1% | 194.7% | 230.4% | 221.4% |
| Dividends paid | $8.0M | $8.5M | $9.6M | $10.1M | $11.8M |
| Share buybacks | $22.3M | $16.9M | $1.6M | $0.2M | $0.2M |
| Share count change | −4.6% | −2.4% | 1.2% | 1.6% | 13.2% |
| Debt and strength | |||||
| Cash and short-term investments | $264M | $43.4M | $60.4M | $63.2M | $77.3M |
| Loans, net | $2.0B | $2.5B | $2.8B | — | — |
| Deposits | $2.4B | $2.6B | $3.0B | $3.2B | $3.5B |
| Shareholders' equity | $355M | $329M | $372M | $389M | $543M |
| Returns and quality | |||||
| Return on equity | 11.5% | 11.5% | 12.3% | 8.3% | 9.9% |
| Return on tangible equity | 15.0% | 20.5% | 18.1% | 12.4% | 11.6% |
| Efficiency ratio | 395.5% | 368.8% | 353.4% | 588.4% | 598.9% |
Insiders bought, 12 months
$0.0M
2 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Civista Bancshares, Inc. · CIVB
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $28.22 a share, the company is worth $492M: 10.5 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000944745). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.