Civista Bancshares, Inc. (CIVB)

Civista Bancshares Cash Flow Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	46.21	31.68	42.96	39.43	40.55
Depreciation & Amortization	9.88	11.03	12.34	5.75	2.87
Provision for Credit Losses	3.38	5.36	4.44	1.75	0.83
Stock-Based Compensation	0.85	0.87	0.98	0.82	0.7
Net Change in Loans Held-for-Sale	-6.52	1.06	-1.04	1.29	5.03
Other Adjustments	-3.05	-4.8	-2.67	-1.87	-11.21
Changes in Accrued Interest and Accounts Receivable	-0.54	-0.63	-1.64	-2.05	2.04
Changes in Accounts Payable	-4.95	-0.01	8.86	0.3	0.11
Changes in Other Operating Activities	-1.99	3.68	-1.53	-20.24	-0.15
Operating Cash Flow	43.27	48.25	62.7	25.18	40.76
Operating Cash Flow Growth	-10.31%	-23.05%	148.97%	-38.22%	24.83%
Net Change in Loans Held-for-Investment	-83.1	-221.25	-314.5	-315.19	71.07
Net Change in Securities and Investments	-12.48	-38.67	12.82	-37.21	-200.31
Payments for Business Acquisitions	149.47	-	-	-51.64	-
Capital Expenditures	-1.16	-4.19	-3.43	-6.51	-1.93
Sale of Property, Plant & Equipment	1.39	4.56	-	0.18	0.14
Other Investing Activities	1.47	0.76	-6.68	-	0.54
Investing Cash Flow	55.59	-258.8	-311.78	-410.36	-130.5
Net Change in Deposits	18.5	226.84	365.04	-67.91	227.3
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-	-	-25.14	-0.35	-3.42
Net Short-Term Debt Issued (Repaid)	-164	1	-1.19	393.7	-
Long-Term Debt Issued	-	-	-	-	73.39
Long-Term Debt Repaid	-2.85	-4.31	-61.36	-135.75	-50
Net Long-Term Debt Issued (Repaid)	-2.85	-4.31	-61.36	-135.75	23.39
Issuance of Common Stock	75.67	-	-	-	-
Repurchase of Common Stock	-0.18	-0.16	-1.63	-16.89	-22.31
Net Common Stock Issued (Repurchased)	75.49	-0.16	-1.63	-16.89	-22.31
Common Dividends Paid	-11.84	-10.06	-9.6	-8.49	-8.04
Financing Cash Flow	-84.7	213.3	266.13	164.3	216.93
Net Cash Flow	14.17	2.75	17.05	-220.88	127.19
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%
FCF Margin	24.89%	29.55%	37.46%	13.58%	30.81%
Free Cash Flow Per Share	2.42	2.86	3.91	1.25	2.53
Levered Free Cash Flow	-119.4	38.25	-4.98	274.63	66.87
Unlevered Free Cash Flow	1.24	9.88	14.6	-22.74	2.93

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

SEC Filings: 10-K · 10-Q