Civista Bancshares, Inc.

Civista Bancshares, Inc.

CIVB
Civista Bancshares, Inc.US flagNASDAQ Capital Market
27.93
USD
-0.53
- -
580.48MMarket Cap
Civista Bancshares, Inc.
CIVB
(NASDAQ Capital Market)

Recent

price

27.93

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
6.68
6.59
6.64
6.67
7.13
7.8
8.21
7.06
6.95
6.75
7.19
8.08
9.04
10.57
9.87
9.75
9.45
Revenue per Share
-0.32
0.36
0.57
0.65
0.99
1.43
1.96
1.48
1.1
2.12
2
2.63
2.6
2.84
2.06
2.65
2.73
Basic EPS, GAAP
2.63
2.54
2.07
1.51
1.87
1.67
1.91
2
1.52
2.27
1.9
2.52
1.23
3.91
2.86
2.42
2.69
Free Cash Flow per Basic Share
0.15
0.18
0.27
0.3
0.43
0.4
0.41
0.37
0.4
0.46
0.44
0.52
0.56
0.63
0.65
0.68
0.69
Dividend per Share
-2.62
12.56
12.93
13.43
14.28
15.42
17.26
18.72
25.75
22
22.94
26.17
30.78
32.66
33.62
37.86
35.86
Book Value per Share
6.07
6.95
7.26
7.47
8.96
9.38
11.21
14
16.98
15.65
16.44
17.57
13.08
15.64
16.57
22.96
21.87
Tangible Book Value per Share
8
8
8
8
8
8
8
10
12
16
16
15
15
15
15
17
19
Basic Weighted Avg Shares
52
51
51
51
55
61
66
70
83
106
116
125
137
160
152
170
177
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
3
3
2
2
2
2
2
2
2
3
3
3
6
12
11
10
1
Depreciation Expense
-1
4
6
6
10
13
17
16
14
34
32
41
39
43
32
46
51
Net Income, GAAP
- -
17.63
23.62
18.18
24.92
27.28
27.77
28.61
15.73
14.37
13.3
16.19
16.18
15.11
13.37
16.34
16.76
Effective Tax Rate (%)
-2.46
7.8
10.91
12.02
17.34
20.89
26.17
22.68
17
32.06
27.74
32.55
28.77
26.81
20.86
27.21
28.84
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
80
80
70
67
95
101
78
101
223
154
154
179
225
116
112
109
109
LT Debt
97
103
104
128
116
125
138
184
299
330
350
355
335
372
389
543
552
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
4.47
4.94
7.17
9.68
12.14
9.04
5.34
10.18
9.01
10.49
9.06
8.94
6.26
7.85
8.53
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
232
175
100
LT Borrowings
110
109
109
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
19
21
21
Market Capitalization
330
387
427

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
361
400
415
Accounts Receivable, Net
14
14
15
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
232
175
100
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
17.37%
10.23%
39.89%
Free Cash Flow
28.24%
32.39%
-4.41%
Net Income, GAAP
20.28%
10.35%
45.86%
Sales/Revenue/Turnover
11.08%
8.18%
11.79%
Total Cash Common Dividend
24.23%
10.81%
17.62%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
36
37
38
40
152
2025
40
41
43
47
170
2026
47
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.41
0.47
0.54
0.64
2.06
2025
0.66
0.71
0.68
0.61
2.65
2026
0.72
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.16
0.17
0.16
0.16
0.65
2025
0.17
0.17
0.18
0.16
0.68
2026
0.18
- -
- -
- -
- -
Business
Civista Bancshares, Inc. Civista Bancshares, Inc. is a financial holding company headquartered in Sandusky, Ohio, that operates through its primary subsidiary Civista Bank, founded in 1884, to provide full-service community banking across Ohio, southeastern Indiana, and northern Kentucky. Civista Bank offers a comprehensive range of deposit products including personal and commercial checking accounts, retirement accounts, money market accounts, time deposits, savings accounts, and safe deposit boxes; lending solutions encompassing commercial and agricultural loans, commercial real estate-owner occupied and non-owner occupied loans, residential real estate loans, farm real estate loans, real estate construction loans, consumer loans, and letters of credit; wealth management and trust services; mortgage lending; commercial equipment leasing; and digital banking services such as internet banking, mobile and digital banking, ACH origination, telephone banking, wire transfers, automated teller services, and remote deposit capture. The company maintains a securities portfolio, provides third-party insurance services, and operates 42 branches with a focus on relationship banking for retail, commercial, agricultural, and institutional customers in its core markets. In July 2025, Civista Bancshares announced a definitive agreement to acquire The Farmers Savings Bank in a transaction valued at approximately $70.4 million, adding two branches in Medina and Lorain Counties in northeast Ohio, approximately $183 million in low-cost core deposits, and $104 million in net loans as of March 31, 2025, with the deal expected to close in the fourth quarter of 2025 pending shareholder and regulatory approvals and projected to be 10% accretive to diluted earnings per share upon full cost savings realization. This acquisition expands Civista's footprint and enhances its commercial lending platform while deploying excess liquidity from the target, building on its legacy of disciplined growth since changing its name from First Citizens Banc Corp in May 2015.

Company News

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