Civista Bancshares, Inc. (CIVB)

NASDAQ: CIVB · Real-Time Price · USD

27.60

+0.06 (0.22%)

Aug 21, 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	183.44	169.17	149.09	158.22	137.53	126.05
Revenue Growth	16.52%	13.47%	-5.77%	15.05%	9.11%	16.93%
Net Income	54.16	46.05	31.01	41.38	38.93	40.37
Earnings Per Share	2.69	2.64	2.01	2.73	2.60	2.63
EPS Growth	6.81%	31.34%	-26.37%	5.00%	-1.14%	31.78%

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 & Investments	68.22	81.98	69.91	74.11	61.42	266.26
Total Debt	240.6	292.31	463.58	468.31	662.04	217.62
Net Cash (Debt)	-172.38	-210.34	-393.67	-394.2	-600.62	48.65
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-8.59	-12.07	-25.58	-26.01	-40.12	3.17

Cash Flow & CapEx

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
Operating Cash Flow	57.87	43.27	48.25	62.7	25.18	40.76
Capital Expenditures	-1.61	-1.16	-4.19	-3.43	-6.51	-1.93
Free Cash Flow	56.25	42.12	44.06	59.27	18.68	38.83
Free Cash Flow Growth	23.83%	-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
Profit Margin	29.52%	27.22%	20.80%	26.15%	28.31%	32.03%
FCF Margin	30.66%	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 22, 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	2.61%	3.13%	3.21%	3.63%	2.89%	2.48%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 22, 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	10.24	10.01	10.68	6.99	8.89	9.08
Forward PE	9.87	8.78	10.51	8.44	7.17	10.58
P/FCF Ratio	10.20	10.95	7.52	4.88	18.54	9.44
PS Ratio	3.13	2.73	2.22	1.83	2.52	2.91