Civista Bancshares Ratios and Metrics

Market cap in millions EUR. Fiscal year is January - December.

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Nov '25 Nov 13, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Market Capitalization	31,231	29,112	26,085	22,371	20,158	15,714
Market Cap Growth	8.81%	11.60%	16.60%	10.98%	28.28%	-24.38%
Enterprise Value	35,064	33,084	30,811	25,953	23,673	18,627
PE Ratio	12.65	12.50	14.30	28.65	16.37	17.79
PS Ratio	1.10	1.10	1.01	0.93	0.77	0.68
PB Ratio	2.42	2.29	2.37	2.25	1.58	1.33
P/OCF Ratio	5.89	5.12	4.51	4.52	4.08	5.21
EV/Sales Ratio	1.24	1.25	1.20	1.07	0.90	0.80
EV/EBITDA Ratio	8.00	12.48	12.81	22.10	11.36	13.80
EV/EBIT Ratio	8.18	12.90	13.23	23.50	12.06	15.48
Debt / Equity Ratio	0.33	0.38	0.48	0.55	0.35	0.29
Debt / EBITDA Ratio	0.95	1.80	2.17	4.64	2.13	2.54
Quick Ratio	0.15	0.03	0.03	0.11	0.42	0.42
Current Ratio	0.21	0.10	0.10	0.22	1.10	1.12
Asset Turnover	0.40	0.38	0.40	0.33	0.34	0.33
Return on Equity (ROE)	20.55%	20.22%	17.42%	7.91%	10.57%	7.92%
Return on Assets (ROA)	3.83%	2.33%	2.26%	0.95%	1.59%	1.05%
Return on Capital (ROIC)	15.96%	9.50%	9.17%	4.22%	7.55%	4.98%
Earnings Yield	7.91%	8.00%	7.00%	3.49%	6.11%	5.62%
Dividend Yield	3.49%	3.00%	2.97%	2.95%	3.07%	4.01%
Payout Ratio	29.31%	31.07%	33.05%	73.37%	44.07%	54.63%
Buyback Yield / Dilution	-0.06%	0.00%	0.00%	0.00%	0.00%	0.00%
Total Shareholder Return	3.44%	3.00%	2.97%	2.95%	3.07%	4.01%

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.