CIVISTA BANCSHARES, INC. CIVB

Financials SIC 6022 - State Commercial Banks NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Commercial Banking derived Nasdaq

CIVISTA BANCSHARES, INC. ("CBI" or the "Company") was organized under the laws of the State of Ohio on February 19, 1987 and is a registered financial holding company under the Gramm-Leach-Bliley Act of 1999, as amended (the "GLBA"). CBI's office is located at 100 East Water Street, Sandusky, Ohio. CBI and its subsidiaries are sometimes referred to together as the "Company". The Company had total consolidated assets of $4,336,453 at December 31, 2025.

CIVISTA BANK ("Civista"), owned by the Company since 1987, opened for business in 1884 as The Citizens National Bank. In 1898, Civista was reorganized under Ohio banking law and was known as The Citizens Bank and Trust Company. In 1908, Civista surrendered its trust charter and began operation as The Citizens Banking Company. The name Civista Bank was introduced during the first quarter of 2015 to distinguish ourselves from the many other banks using the "Citizens" name in our existing and prospective markets. Civista maintains its main office at 100 East Water Street, Sandusky, Ohio and operates branch banking offices in the following Ohio communities: Sandusky, Spencer, Wellington, Norwalk, Berlin Heights, Huron, Port Clinton, Castalia, New Washington, Shelby, Willard, Greenwich, Plymouth, Shiloh, Akron, Dublin, Plain City, Russells Point, Urbana, West Liberty, Quincy, Dayton, Beachwood, Gahanna, Napoleon, Malinta, Liberty Center, Holgate, Bowling Green, and in the following Indiana communities: Lawrenceburg, Aurora, West Harrison, Milan, Osgood and Versailles. Civista also operates loan production offices in Westlake, Ohio and Fort Mitchell, Kentucky and a leasing company office in Pittsburgh, Pennsylvania. Civista and its wholly owned subsidiaries as discussed below, accounted for 99.8% of the Company's consolidated assets at December 31, 2025.

Last close 28.29 2026-10-23
Market cap $588.3M 2026-06-30 share count
52-week range 21.10 - 29.97

Valuation FY2025 figures against the last close

P/S30.9x
P/E10.7x
P/FCF14.0x
EV/EBITDA—
Dividend yield2.0%
Diluted EPS2.64

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $19.0M$19.1M$30.4M$24.5M$19.6M$16.9M$17.8M$15.3M$13.6M$13.3M
Interest expense $138.6M$116.7M$125.5M$110.2M$9.6M$10.1M$13.0M$7.6M$4.1M$3.3M
Pre-tax income $55.2M$36.6M$50.6M$47.0M$48.4M$37.1M$39.6M$16.8M$22.2M$23.8M
Income tax $9.0M$4.9M$7.6M$7.6M$7.8M$4.9M$5.7M$2.6M$6.4M$6.6M
Net income $46.2M$31.7M$43.0M$39.4M$40.5M$32.2M$33.9M$14.1M$15.9M$17.2M
EPS, basic 2.642.012.732.602.632.002.121.101.481.96
EPS, diluted 2.642.012.732.602.632.002.011.021.281.57
Shares, diluted (wtd. avg.) 17.4M15.4M15.2M15.0M15.3M16.1M16.9M13.9M12.4M11.0M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $77.3M$63.2M$60.4M$43.4M$264.2M$137.0M$46.6M$41.8M$40.5M$36.7M
Property, plant and equipment $40.6M$47.2M$56.8M$64.0M$22.4M$22.6M$22.9M$22.0M$17.6M$17.9M
Goodwill $130.4M$125.5M$125.5M$125.7M$76.9M$76.9M$76.9M$76.9M$27.1M$27.1M
Other intangibles $13.1M$7.9M$9.5M$10.8M$7.6M$8.1M$8.3M$9.4M$1.3M$1.8M
Total assets $4.34B$4.10B$3.86B$3.64B$3.01B$2.77B$2.31B$2.14B$1.53B$1.38B
Total liabilities $3.79B$3.71B$3.49B$3.30B$2.66B$2.42B$1.98B$1.84B$1.34B$1.24B
Retained earnings $239.8M$205.4M$183.8M$156.5M$125.6M$93.0M$68.0M$41.3M$31.7M$19.3M
Total equity $543.5M$388.5M$372.0M$328.8M$355.2M$350.1M$330.1M$298.9M$184.5M$137.6M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $43.3M$48.2M$62.7M$25.2M$40.8M$32.7M$38.8M$19.6M$20.8M$17.7M
Depreciation and amortisation $8.3M$9.5M$10.8M$4.5M$2.0M$2.3M$2.2M$1.5M$1.2M$1.3M
Stock-based compensation $852.0K$871.0K$984.0K$819.0K$702.0K$617.0K$531.0K$428.0K$426.0K$323.0K
Capital expenditure $1.2M$4.2M$3.4M$6.5M$1.9M$2.0M$3.2M$1.5M$1.0M$2.4M
Investing cash flow $55.6M-$258.8M-$311.8M-$410.4M-$130.5M-$341.0M-$150.8M-$33.8M-$146.2M-$63.6M
Financing cash flow -$84.7M$213.3M$266.1M$164.3M$216.9M$398.8M$116.7M$16.4M$129.2M$47.0M
Dividends paid $11.8M$10.1M$9.6M$8.5M$8.0M$7.1M$7.2M$4.7M$3.7M$3.3M
Buybacks $178.0K$164.0K$1.6M$16.9M$22.3M$13.5M$3.9M—$4.0K—

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001193125-26-145510.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 20M 40M 60M Revenue, FY2016: 13.3M Net income, FY2016: 17.2M Revenue, FY2017: 13.6M Net income, FY2017: 15.9M Revenue, FY2018: 15.3M Net income, FY2018: 14.1M Revenue, FY2019: 17.8M Net income, FY2019: 33.9M Revenue, FY2020: 16.9M Net income, FY2020: 32.2M Revenue, FY2021: 19.6M Net income, FY2021: 40.5M Revenue, FY2022: 24.5M Net income, FY2022: 39.4M Revenue, FY2023: 30.4M Net income, FY2023: 43M Revenue, FY2024: 19.1M Net income, FY2024: 31.7M Revenue, FY2025: 19M Net income, FY2025: 46.2M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $13.3M $13.6M $15.3M $17.8M $16.9M $19.6M $24.5M $30.4M $19.1M $19.0M
Gross profit — — — — — — — — — —
Net income $17.2M $15.9M $14.1M $33.9M $32.2M $40.5M $39.4M $43.0M $31.7M $46.2M

Recent filings and events

  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Other event Item 8.01
  • Other event Item 8.01
  • Regulation FD disclosure Item 7.01
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Regulation FD disclosure Item 7.01
  • Regulation FD disclosure Item 7.01
  • Results announced Item 2.02
  • Other event Item 8.01

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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