Civista Bancshares, Inc. (CIVB)

NASDAQ: CIVB · Real-Time Price · USD

29.06

+0.16 (0.55%)

Jul 31, 2026, 4:00 PM EDT - Market closed

Civista Bancshares Financials Overview

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

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Revenue	175.98	169.17	149.09	158.22	137.53	126.05
Revenue Growth	10.55%	13.47%	-5.77%	15.05%	9.11%	16.93%
Net Income	54.33	46.21	31.68	42.96	39.43	40.55
Earnings Per Share	2.70	2.64	2.01	2.73	2.60	2.63
EPS Growth	6.72%	31.34%	-26.37%	5.00%	-1.14%	31.50%

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Cash & Equivalents	61.74	77.32	63.16	60.41	43.36	264.24
Total Debt	104.88	105.09	105.59	106.34	107.38	178.74
Net Cash (Debt)	-104.88	-105.09	-105.59	-106.34	-107.38	-178.74
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-5.23	-6.03	-6.86	-7.02	-7.17	-11.65

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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
Operating Cash Flow	51.84	43.27	48.25	62.7	25.18	40.76
Capital Expenditures	-	-1.16	-4.19	-3.43	-6.51	-1.93
Free Cash Flow	51.84	42.12	44.06	59.27	18.68	38.83
Free Cash Flow Growth	1.44%	-4.41%	-25.66%	217.37%	-51.91%	26.57%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Pretax Margin	37.27%	32.65%	24.53%	31.99%	34.20%	38.38%
Profit Margin	30.87%	27.32%	21.25%	27.15%	28.67%	32.17%
FCF Margin	0.00%	24.89%	29.55%	37.46%	13.58%	30.81%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 1, 2026	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
Dividend Per Share	0.720	0.680	0.640	0.610	0.560	0.520
Dividend Per Share Growth	5.97%	6.25%	4.92%	8.93%	7.69%	18.18%
Dividend Yield	2.48%	3.06%	3.11%	3.43%	2.58%	2.15%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 1, 2026	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
PE Ratio	10.79	8.42	10.47	6.75	8.47	9.28
Forward PE	10.40	8.78	10.51	8.44	7.17	10.58
P/FCF Ratio	11.99	10.95	7.40	4.88	18.54	9.40
PS Ratio	3.29	2.72	2.19	1.83	2.52	2.89