Civista Bancshares, Inc. (CIVB)

Civista Bancshares Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	43.84	31.68	42.96	39.43	40.55	32.19
Depreciation & Amortization	15.9	11.03	12.34	5.75	2.87	3.17
Gain (Loss) on Sale of Assets	-0.25	-0.25	-0.08	-	-	-
Gain (Loss) on Sale of Investments	0.68	0.68	0.49	1.48	-0.6	1.08
Provision for Credit Losses	5.36	5.36	4.44	1.75	0.83	10.11
Net Decrease (Increase) in Loans Originated / Sold - Operating	5.5	5.5	1.87	4.69	13.07	3.85
Accrued Interest Receivable	-0.63	-0.63	-1.64	-2.05	2.04	-2.33
Change in Other Net Operating Assets	3.68	3.68	-1.53	-20.24	-0.15	0.92
Other Operating Activities	-12.58	-3.37	-2.4	-3.84	-11.93	-6.04
Operating Cash Flow	56.06	48.25	62.7	25.18	40.76	32.65
Operating Cash Flow Growth	100.53%	-23.05%	148.97%	-38.22%	24.83%	-15.84%
Capital Expenditures	-5.03	-4.19	-3.43	-6.51	-1.93	-1.97
Sale of Property, Plant and Equipment	5.15	4.24	-	0.18	0.01	0.01
Cash Acquisitions	-	-	-	-51.64	-	-
Investment in Securities	-33.77	-38.67	12.82	-37.21	-200.31	4.33
Net Decrease (Increase) in Loans Originated / Sold - Investing	-51.89	-221.25	-314.5	-315.19	71.07	-343.35
Other Investing Activities	3.27	0.76	-6.68	-	0.54	-
Investing Cash Flow	-81.96	-258.8	-311.78	-410.36	-130.5	-340.98
Short-Term Debt Issued	-	1	-	393.7	-	10.24
Long-Term Debt Issued	-	-	-	-	73.39	183.7
Total Debt Issued	1	1	-	393.7	73.39	193.94
Short-Term Debt Repaid	-	-	-26.33	-0.35	-3.42	-101.5
Long-Term Debt Repaid	-	-4.31	-61.36	-135.75	-50	-183.7
Total Debt Repaid	-58.15	-4.31	-87.69	-136.11	-53.42	-285.2
Net Debt Issued (Repaid)	-57.15	-3.31	-87.69	257.59	19.97	-91.26
Issuance of Common Stock	75.67	-	-	-	-	-
Repurchase of Common Stock	-0.17	-0.16	-1.63	-16.89	-22.31	-13.45
Common Dividends Paid	-11.07	-10.06	-9.6	-8.49	-8.04	-7.12
Total Dividends Paid	-11.07	-10.06	-9.6	-8.49	-8.04	-7.12
Net Increase (Decrease) in Deposit Accounts	6.73	226.84	365.04	-67.91	227.3	510.63
Financing Cash Flow	14	213.3	266.13	164.3	216.93	398.8
Net Cash Flow	-11.9	2.75	17.05	-220.88	127.19	90.47
Free Cash Flow	51.03	44.06	59.27	18.68	38.83	30.68
Free Cash Flow Growth	91.86%	-25.66%	217.37%	-51.91%	26.57%	-13.81%
Free Cash Flow Margin	31.29%	29.55%	37.46%	13.58%	30.81%	28.46%
Free Cash Flow Per Share	3.14	2.86	3.91	1.25	2.53	1.91
Cash Interest Paid	91.72	89.99	48.38	10.7	6.21	10.21
Cash Income Tax Paid	7.38	4.89	9.51	3.15	6.18	7.1

Updated Oct 23, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q