Civista Bancshares Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	138.58	116.71	125.5	110.2	95.43
Net Interest Income Growth	18.74%	-7.00%	13.88%	15.49%	6.35%
Non-Interest Income	33.97	37.75	37.16	29.08	31.45
Non-Interest Income Growth	-10.02%	1.57%	27.81%	-7.55%	11.60%
Revenues Before Loan Losses	172.55	154.46	162.66	139.28	126.88
Provision for Credit Losses	3.38	5.36	4.44	1.75	0.83
Revenue	169.17	149.09	158.22	137.53	126.05
Revenue Growth (YoY)	13.47%	-5.77%	15.05%	9.11%	16.93%
Compensation Expenses	58.74	61.82	58.29	51.06	44.69
Selling, General & Admin	29.8	29.71	29.19	22.89	14.35
Other Non-Interest Expenses	25.4	20.99	20.13	16.54	18.63
Total Non-Interest Expense	113.94	112.52	107.61	90.49	77.67
Pretax Income	55.24	36.57	50.61	47.04	48.38
Provision for Income Taxes	9.02	4.89	7.65	7.61	7.84
Net Income	46.21	31.68	42.96	39.43	40.55
Net Income to Common	46.21	31.68	42.96	39.43	40.55
Net Income Growth	45.86%	-26.26%	8.97%	-2.76%	25.95%
Shares Outstanding (Basic)	17	15	15	15	15
Shares Outstanding (Diluted)	17	15	15	15	15
Shares Change (YoY)	13.19%	1.56%	1.23%	-2.43%	-4.59%
EPS (Basic)	2.64	2.01	2.73	2.60	2.63
EPS (Diluted)	2.64	2.01	2.73	2.60	2.63
EPS Growth	31.34%	-26.37%	5.00%	-1.14%	31.50%
Shares Outstanding	20.75	15.49	15.7	15.73	14.95
Free Cash Flow	42.12	44.06	59.27	18.68	38.83
Free Cash Flow Growth	-4.41%	-25.66%	217.37%	-51.91%	26.57%
Free Cash Flow Per Share	2.42	2.86	3.91	1.25	2.53
Dividends Per Share	0.680	0.640	0.610	0.560	0.520
Dividend Growth	6.25%	4.92%	8.93%	7.69%	18.18%
Profit Margin	27.32%	21.25%	27.15%	28.67%	32.17%
FCF Margin	24.89%	29.55%	37.46%	13.58%	30.81%
EBITDA	9.88	11.03	12.34	5.75	2.87
EBITDA Margin	5.84%	7.40%	7.80%	4.18%	2.27%
Effective Tax Rate	16.34%	13.37%	15.11%	16.18%	16.19%

Updated Jan 29, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q