Civista Bancshares CIVB
$28.36 +$0.20 (+0.71%)
Market closed · Nov 6, 8:10 pm ET · Last extended-hours $28.36 0.00%
Open$28.07
Prev close$28.16
Day range$28.02 – $28.53
Volume98.5K
Market cap$587.39M
P/E (TTM)10.2
Dividend yield2.50%
Fundamentals
Latest reported quarter: Q3, ended Sep 2026
Revenue$48.30M+12.0% YoY
Net profit$16.02M+25.5% YoY
Diluted EPS$0.77+13.2% YoY
Free cash flow$16.71M+53.9% YoY
Operating cash flow$17.11M
Revenue, last 8 quarters
Net profit, last 8 quarters
Diluted EPS by quarter
Free cash flow by quarter
Annual revenue
Profitability & balance sheet
Net margin30.6%
Return on equity11.0%
Return on assets1.4%
Liabilities / assets87.2%
Cash & investments$70.88M
Total debt$229.97M
Net cash (debt)-$159.09M
Income statement
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Total Operating Revenue | $48.30M | $46.86M | $46.52M | $169.82M | $46.61M |
| Net Interest Income | $39.43M | $38.59M | $37.82M | $138.58M | $36.45M |
| -Interest Income | $57.82M | $56.55M | $55.81M | $220.99M | $55.74M |
| -Interest Expense | $18.39M | $17.95M | $17.99M | $82.40M | $19.29M |
| Non-Interest Income | $8.87M | $8.26M | $8.70M | $31.24M | $10.16M |
| -Total Premiums Earned | $413,000.00 | $399,000.00 | $390,000.00 | $1.84M | $397,000.00 |
| -Fees and Commissions | $5.15M | $4.16M | $3.86M | $15.45M | $5.33M |
| -Other Non-Interest Income | $4.78M | $2.06M | $2.81M | $9.19M | $2.72M |
| -Gain Loss on Sale of Assets | -$1.47M | $1.64M | $1.64M | $4.76M | $1.71M |
| Credit Losses Provision | -$1.30M | -$1.77M | $629,000.00 | -$3.38M | -$585,000.00 |
| Non-Interest Expense | $27.19M | $27.91M | $29.14M | $111.21M | $31.28M |
| Occupancy and Equipment | $3.15M | $3.30M | $3.71M | $14.03M | $3.44M |
| Professional Expense and Contract Services Expense | $1.24M | $1.22M | $1.59M | $6.58M | $1.47M |
| Selling and Admin Expenses | $16.39M | $16.70M | $17.13M | $62.81M | $15.43M |
| -Selling & Marketing Expense | $543,000.00 | $542,000.00 | $478,000.00 | $1.39M | $410,000.00 |
| -General & Admin Expense | $15.85M | $16.16M | $16.65M | $61.42M | $15.02M |
| Depreciation & Amortization & Depletion | $675,000.00 | $696,000.00 | $696,000.00 | $1.56M | – |
| -Depreciation & Amortization | $675,000.00 | $696,000.00 | $696,000.00 | $1.56M | – |
| Other Non-Interest Expenses | $5.73M | $5.99M | $6.02M | $26.22M | $9.38M |
| Pretax Profit | $19.81M | $17.18M | $18.01M | $55.24M | $14.75M |
| Tax | $3.79M | $2.86M | $3.02M | $9.02M | $2.48M |
| Net Profit | $16.02M | $14.32M | $14.99M | $46.21M | $12.27M |
| Profit from Continuing Operations | $16.02M | $14.32M | $14.99M | $46.21M | $12.27M |
| Net Income to Parent Company | $16.02M | $14.32M | $14.99M | $46.21M | $12.27M |
| Other Preferred Stock Dividends | $61,000.00 | $54,000.00 | $28,000.00 | – | – |
| Net Income to Common Stockholders | $15.96M | $14.26M | $14.96M | $46.21M | $12.44M |
| Basic EPS | $0.77 | $0.69 | $0.72 | $2.64 | $0.61 |
| Diluted EPS | $0.77 | $0.69 | $0.72 | $2.64 | $0.61 |
| Dividend Per Share | $0.18 | $0.18 | $0.18 | $0.68 | $0.17 |
Balance sheet
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Total Assets | $4.30B | $4.29B | $4.30B | $4.34B | $4.34B |
| Cash, Cash Equivalents & Federal Funds Sold | $70.88M | $65.87M | $86.41M | $78.49M | $78.49M |
| -Cash and Cash Equivalents | $70.88M | $65.87M | $86.41M | $78.49M | $78.49M |
| Securities Investment | $667.05M | $699.14M | $707.61M | $710.54M | $710.54M |
| -Available for Sale Securities | $667.05M | $380.09M | $379.01M | $389.19M | $389.19M |
| Net Loan | $3.22B | $3.19B | $3.16B | $3.20B | $3.20B |
| -Gross Loan | $3.26B | $3.23B | $3.20B | $3.24B | $3.24B |
| -Allowance for Loans and Lease Losses | $42.40M | $40.50M | $39.26M | $40.66M | $40.66M |
| Receivables | $36.37M | $46.30M | $46.19M | $48.18M | $48.18M |
| -Other Receivables | $36.37M | $31.45M | $31.42M | $33.74M | $33.74M |
| Net PPE | $37.03M | $37.42M | $39.06M | $40.61M | $40.61M |
| Goodwill and Other Intangible Assets | $141.27M | $142.02M | $142.77M | $143.54M | $143.54M |
| Bank-Owned Life Insurance | $64.36M | $63.94M | $63.54M | $63.15M | $63.15M |
| Other Assets | $70.28M | $30.97M | $29.17M | $30.49M | $30.49M |
| Total Liabilities | $3.75B | $3.73B | $3.75B | $3.79B | $3.79B |
| Total Deposits | $3.48B | $3.46B | $3.50B | $3.47B | $3.47B |
| Short-Term Debt and Capital Lease Obligation | $122.50M | $123.50M | $100.00M | $175.00M | $175.00M |
| -Current Debt | $122.50M | $123.50M | $100.00M | $175.00M | $175.00M |
| Long Term Debt and Capital Lease Obligation | $107.47M | $108.00M | $108.61M | $109.18M | $109.18M |
| -Long Term Debt | $107.47M | $108.00M | $108.61M | $109.18M | $109.18M |
| Other Liabilities | $44.54M | $31.19M | $29.73M | $36.59M | $36.59M |
| Total Equity | $552.74M | $566.79M | $552.24M | $543.47M | $543.47M |
| Stockholders' Equity | $552.74M | $566.79M | $552.24M | $543.47M | $543.47M |
| Capital Stock | $421.10M | $420.92M | $420.49M | $419.77M | $419.77M |
| -Common Stock | $421.10M | $420.92M | $420.49M | $419.77M | $419.77M |
| Retained Earnings | $273.89M | $261.62M | $251.04M | $239.78M | $239.78M |
| Less: Treasury Stock | $78.30M | $76.08M | $76.08M | $75.76M | $75.76M |
| Gains/Losses Not Affecting Retained Earnings | -$63.95M | -$39.67M | -$43.20M | -$40.32M | -$40.32M |
| -Short Term Investments | – | $319.05M | $328.60M | $321.35M | $321.35M |
| Derivative Assets | – | $2.35M | $2.72M | $3.49M | $3.49M |
| -Accounts Receivable | – | $14.85M | $14.78M | $14.44M | $14.44M |
| -Goodwill | – | $130.44M | $130.44M | $130.44M | $130.44M |
| -Other Intangible Assets | – | $11.58M | $12.34M | $13.10M | $13.10M |
| Deferred Assets | – | $16.05M | $16.21M | $16.50M | $16.50M |
| Derivative Product Liabilities | – | $6.58M | $5.85M | $5.75M | $5.75M |
| -Gross PPE | – | – | – | $126.23M | $126.23M |
| -Accumulated Depreciation | – | – | – | -$85.62M | -$85.62M |
Cash flow
| Line item | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| Operating Cash Flow | $17.11M | $12.18M | $43.27M | $9.61M | $18.97M |
| Net cash flow from investing | -$14.35M | $38.26M | $55.59M | $66.05M | $65.62M |
| Net Cash Flow from Continuing Investing Activities | -$14.35M | $38.26M | $55.59M | $66.05M | $65.62M |
| Net PPE Purchase and Sale | -$94,000.00 | -$346,000.00 | $233,000.00 | $256,000.00 | -$555,000.00 |
| Net Investment Purchase and Sale | $11.06M | -$1.21M | -$12.48M | -$14.83M | $3.40M |
| Net Income from Loans | -$25.32M | $39.82M | -$83.10M | -$69.12M | $61.58M |
| Financing Cash Flow | -$24.54M | -$44.24M | -$84.70M | -$61.11M | -$95.68M |
| Net Cash Flow from Continuing Financing Activities | -$24.54M | -$44.24M | -$84.70M | -$61.11M | -$95.68M |
| Increase/Decrease in Deposit | -$43.65M | $35.43M | $18.50M | -$95,000.00 | $34.26M |
| Net Issuance Payments of Debt | $22.85M | -$75.61M | -$166.85M | -$57.72M | -$202.31M |
| Net Common Stock Issuance | $0.00 | -$318,000.00 | $75.49M | -$4,000.00 | $75.66M |
| Cash Dividends Paid | -$3.74M | -$3.73M | -$11.84M | -$3.28M | -$3.28M |
| Ending Cash Balance | $61.74M | $83.53M | $77.32M | $77.32M | $62.77M |
| Net Change in Cash | -$21.78M | $6.21M | $14.17M | $14.55M | -$11.09M |
| Beginning Cash Balance | $83.53M | $77.32M | $63.16M | $62.77M | $73.86M |
| Free Cash Flow | $16.71M | $11.74M | $42.12M | $9.39M | $18.41M |
| Net cash flow from continuing operations | – | – | $43.27M | – | – |
| Net Income from Continuing Operations | – | – | $46.21M | – | – |
| Gain/Loss from Continuing Operations | – | – | -$4.76M | – | – |
| Depreciation & Depletion & Amortization | – | – | $9.88M | – | – |
| Deferred Tax | – | – | $1.19M | – | – |
| Other Non-Cash Items | – | – | -$3.86M | – | – |
| Change in Working Capital | – | – | -$7.48M | – | – |
| -Change in Receivables | – | – | -$543,000.00 | – | – |
| -Change in Payables and Accrued Expense | – | – | -$4.95M | – | – |
| -Change in Other Working Capital | – | – | -$1.99M | – | – |
| Net Business Purchase and Sale | – | – | $149.47M | – | – |
| Net Other Investing Changes | – | – | $1.47M | $272,000.00 | – |
| Change in Federal Funds and Securities Sold for Repurchase | – | – | $0.00 | – | – |
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