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Civista Bancshares, Inc.(CIVB)Earnings, Financials & Key Ratios
CIVB•NASDAQ•Banking & Credit
$28.67
10.9× P/E·Price updated Jun 27, 2026
AboutCivista Bancshares, Inc. operates as the financial holding company for Civista Bank that provides community banking services. It collects a range of customer deposits; and offers commercial and agriculture, commercial and residential real estate, farm real estate, real estate construction, consumer, and other loans, as well as letters of credit. The company also purchases securities; and provides trust and third-party insurance services. It operates approximately 42 locations in Northern, Central, Southwestern, and Northwestern Ohio, as well as Southeastern Indiana and Northern Kentucky. The company was formerly known as First Citizens Banc Corp and changed its name to Civista Bancshares, Inc. in May 2015. Civista Bancshares, Inc. was founded in 1884 and is headquartered in Sandusky, Ohio.Show more
- Net Interest Income$139M+18.7%
- Total Revenue$255M+5.4%
- Net Income$46M+45.9%
- Return on Equity9.92%+19.0%
- Net Interest Margin3.2%+12.2%
- Efficiency Ratio44.69%-1.7%
- ROA1.1%+37.6%
- Equity / Assets12.53%+32.2%
- Book Value per Share31.04+23.1%
CIVB Price & Volume
Civista Bancshares, Inc. (CIVB) stock price & volume — 10-year historical chart
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Asset Expansion Drives Revenue Growth Amidst Margins
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Accelerating
Profitability:Moderate
Financial Position:Healthy
Cash Flow:Mixed
Primary Risk:CRE concentration and competition
"Civista Bancshares has demonstrated a consistent upward trajectory in net interest income, which grew to $37.8 million in 2026Q1, supported by a strategic expansion of the investment securities portfolio to $3.9 billion. While the bank has successfully strengthened its capital buffer with an equity-to-assets ratio of 0.13, investors should monitor the volatility in the efficiency ratio, which rose to 52.4% in 2026Q1. The normalization of loan loss provisions to zero suggests management confidence, though the concentration in commercial real estate and stagnant net interest margins between 0.7% and 0.9% warrant continued caution."
Verdict Logic
while the bank shows consistent revenue growth and a strengthened capital base of $552.2 million in equity, the stagnant net interest margin of 0.9% and rising efficiency ratio of 52.4% suggest limited near-term profitability upside.
CIVB Growth Metrics
Civista Bancshares, Inc. (CIVB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years14.77%
5 Years15.11%
3 Years18.56%
TTM-
Profit CAGR
10 Years13.75%
5 Years7.5%
3 Years5.44%
TTM43.79%
EPS CAGR
10 Years8.48%
5 Years5.71%
3 Years0.51%
TTM19.82%
Return on Capital
10 Years8.1%
5 Years8.43%
3 Years8.24%
Last Year8.89%
CIVB Recent Earnings
Civista Bancshares, Inc. (CIVB) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 9/12 qtrs (82%)●Beat Revenue 4/12 qtrs (36%)
Q2 2026Latest
Apr 22, 2026Metric
Actual
Est
EPS
$0.74+32.1%
$0.56
Rev
$47M+3.8%
$46M
Q2 2026
Mar 6, 2026Metric
Actual
Est
EPS
$0.61
—
Rev
$66M
—
Q1 2026
Jan 29, 2026Metric
Actual
Est
EPS
$0.75+23.0%
$0.61
Rev
$46M+2.2%
$45M
Q4 2025
Oct 23, 2025Metric
Actual
Est
EPS
$0.68+11.5%
$0.61
Rev
$43M-5.1%
$45M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 22, 2026 | $0.74vs $0.56+32.1% | $47Mvs $46M+3.8% |
| Q2 2026 | Mar 6, 2026 | $0.61 | $66M |
| Q1 2026 | Jan 29, 2026 | $0.75vs $0.61+23.0% | $46Mvs $45M+2.2% |
| Q4 2025 | Oct 23, 2025 | $0.68vs $0.61+11.5% | $43Mvs $45M-5.1% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Civista Bancshares, Inc. (CIVB)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $28.67 | $595.86M | 10.86 | 5.4% | 18.13% | 9.92% | 2.36% | |
| $44.56 | $209.92M | 13.46 | 5.93% | 16.05% | 9.29% | — | |
| $30.54 | $276.11M | 15.58 | 27.11% | 18.05% | 11.51% | — | |
| $28.99 | $372.52M | 14.07 | 18.96% | 14.29% | 8.79% | — | |
| $33.78 | $3.54B | 12.70 | 2.75% | 20.93% | 10.23% | — | |
| $12.10 | $522.22M | 18.33 | 10.7% | 8.56% | 4.56% | — |
Compare CIVB vs Peers
Civista Bancshares, Inc. (CIVB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CIVB SEC Filings & Documents
Civista Bancshares, Inc. (CIVB) SEC filings — annual & quarterly reports (10-K, 10-Q)
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CIVB Frequently Asked Questions
Civista Bancshares, Inc. (CIVB) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Civista Bancshares, Inc. growing?
Civista Bancshares, Inc. (CIVB) grew revenue by 5.4% over the past year. This is steady growth.
Is CIVB profitable?
Yes, Civista Bancshares, Inc. (CIVB) is profitable, generating $51.0M in net income for fiscal year 2025 (18.1% net margin).
Dividend & Returns
Does CIVB pay dividends?
Yes, Civista Bancshares, Inc. (CIVB) pays a dividend with a yield of 2.36%. This makes it attractive for income-focused investors.
What is CIVB's return on equity?
Civista Bancshares, Inc. (CIVB) has a return on equity (ROE) of 9.9%. This is below average, suggesting room for improvement.
Industry Metrics
What is Civista Bancshares, Inc.'s net interest margin?
Civista Bancshares, Inc. (CIVB) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.
What is Civista Bancshares, Inc.'s efficiency ratio?
Civista Bancshares, Inc. (CIVB) has an efficiency ratio of 44.7%. This is excellent, indicating strong cost control.