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Civista Bancshares, Inc.(CIVB)Earnings, Financials & Key Ratios
CIVB•NASDAQ•Banking & Credit
$25.00
$518M mkt cap·9.5× P/E·Price updated May 6, 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%
- Tangible BV/Share23.00+38.9%
- Debt/Equity0.52-54.9%
CIVB Key Insights
Civista Bancshares, Inc. (CIVB) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Efficient operations: 44.7% efficiency ratio
- ✓10 consecutive years of dividend growth
- ✓Well capitalized: 12.5% equity/assets
- ✓Healthy dividend yield of 2.7%
- ✓Trading at only 0.8x book value
✗Weaknesses
- ✗Shares diluted 13.7% in last year
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
CIVB Price & Volume
Civista Bancshares, Inc. (CIVB) stock price & volume — 10-year historical chart
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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%
TTM45.85%
EPS CAGR
10 Years8.48%
5 Years5.71%
3 Years0.51%
TTM31.68%
Return on Capital
10 Years7.45%
5 Years7.12%
3 Years6.06%
Last Year2.35%
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, 2026EPS
$0.74
Est $0.56
+32.1%
Revenue
$47M
Est $46M
+3.8%
Q2 2026
Mar 6, 2026EPS
$0.61
Revenue
$66M
Q1 2026
Jan 29, 2026EPS
$0.75
Est $0.61
+23.0%
Revenue
$46M
Est $45M
+2.2%
Q4 2025
Oct 23, 2025EPS
$0.68
Est $0.61
+11.5%
Revenue
$43M
Est $45M
-5.1%
| 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 →
CIVB Peer Comparison
Civista Bancshares, Inc. (CIVB) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 OVBC | 211.29M | 44.85 | 13.55 | 5.93% | 9.58% | 0.32 | ||
 FXNC | 248.63M | 27.50 | 14.03 | 27.11% | 9.98% | 0.23 | ||
 MVBF | 333.96M | 26.00 | 12.62 | 18.96% | 8.46% | 0.23 | ||
 FFBC | 3.21B | 30.67 | 11.53 | 2.75% | 9.77% | 0.43 | ||
 HONE | 522.22M | 12.10 | 18.33 | 10.7% | 4.56% | 0.90 | ||
 CZWI | 202.59M | 21.04 | 14.41 | -9.41% | 7.81% | 0.28 | ||
 CHMG | 322.44M | 67.05 | 21.42 | -6.46% | 6.27% | 0.02 | ||
 FCNCA | 23.14B | 1991.33 | 12.01 | -2.97% | 9.94% | 1.62 |
Compare CIVB vs Peers
Civista Bancshares, Inc. (CIVB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CIVB Income Statement
Civista Bancshares, Inc. (CIVB) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 54.5M | 66.11M | 85.1M | 89.73M | 95.42M | 110.2M | 125.5M | 116.71M | 138.58M |
| NII Growth % | 8.44% | 21.29% | 28.73% | 5.44% | 6.35% | 15.49% | 13.88% | -7% | 18.74% |
| Net Interest Margin % | 3.57% | 3.09% | 3.68% | 3.24% | 3.17% | 3.03% | 3.25% | 2.85% | 3.2% |
| Interest Income | 58.59M | 73.68M | 98.05M | 99.86M | 105.05M | 126.16M | 182.73M | 206.69M | 220.99M |
| Interest Expense | 4.09M | 7.57M | 12.95M | 10.14M | 9.63M | 15.95M | 57.24M | 89.98M | 82.4M |
| Loan Loss Provision | 0 | 780K | 1.03M | 10.11M | 830K | 1.75M | 4.43M | 5.36M | 3.38M |
| Non-Interest Income | 15.49M | 17.06M | 20.56M | 26.31M | 29.14M | 26.83M | 34.74M | 35.2M | 33.97M |
| Non-Interest Income % | 20.91% | 18.8% | 17.33% | 20.85% | 21.71% | 17.54% | 15.98% | 14.55% | 13.32% |
| Total Revenue | 74.08M▲ 0% | 90.74M▲ 22.5% | 118.61M▲ 30.7% | 126.18M▲ 6.4% | 134.19M▲ 6.4% | 152.98M▲ 14.0% | 217.48M▲ 42.2% | 241.9M▲ 11.2% | 254.95M▲ 5.4% |
| Revenue Growth % | 7.22% | 22.49% | 30.72% | 6.38% | 6.35% | 14% | 42.16% | 11.23% | 5.4% |
| Non-Interest Expense | 47.76M | 65.61M | 65.06M | 68.8M | 75.35M | 88.25M | 105.19M | 109.98M | 113.94M |
| Efficiency Ratio | 64.47% | 72.31% | 54.85% | 54.52% | 56.15% | 57.68% | 48.37% | 45.46% | 44.69% |
| Operating Income | 22.23M▲ 0% | 16.78M▼ 24.5% | 39.56M▲ 135.8% | 37.13M▼ 6.1% | 48.38M▲ 30.3% | 47.03M▼ 2.8% | 50.61M▲ 7.6% | 36.57M▼ 27.7% | 55.23M▲ 51.0% |
| Operating Margin % | 30.01% | 18.49% | 33.35% | 29.43% | 36.05% | 30.75% | 23.27% | 15.12% | 21.66% |
| Operating Income Growth % | -6.73% | -24.53% | 135.78% | -6.14% | 30.29% | -2.78% | 7.61% | -27.74% | 51.02% |
| Pretax Income | 22.23M▲ 0% | 16.78M▼ 24.5% | 39.56M▲ 135.8% | 37.13M▼ 6.1% | 48.38M▲ 30.3% | 47.03M▼ 2.8% | 50.61M▲ 7.6% | 36.57M▼ 27.7% | 55.23M▲ 51.0% |
| Pretax Margin % | 30.01% | 18.49% | 33.35% | 29.43% | 36.05% | 30.75% | 23.27% | 15.12% | 21.66% |
| Income Tax | 6.36M | 2.64M | 5.68M | 4.94M | 7.83M | 7.61M | 7.65M | 4.89M | 9.02M |
| Effective Tax Rate % | 28.61% | 15.73% | 14.37% | 13.3% | 16.19% | 16.18% | 15.11% | 13.37% | 16.34% |
| Net Income | 15.87M▲ 0% | 14.14M▼ 10.9% | 33.88M▲ 139.6% | 32.19M▼ 5.0% | 40.55M▲ 26.0% | 39.43M▼ 2.8% | 42.96M▲ 9.0% | 31.68M▼ 26.3% | 46.21M▲ 45.9% |
| Net Margin % | 21.43% | 15.58% | 28.56% | 25.51% | 30.21% | 25.77% | 19.76% | 13.1% | 18.13% |
| Net Income Growth % | -7.81% | -10.92% | 139.61% | -4.98% | 25.95% | -2.76% | 8.97% | -26.26% | 45.86% |
| Net Income (Continuing) | 15.87M | 14.14M | 33.88M | 32.19M | 40.55M | 39.43M | 42.96M | 31.68M | 46.21M |
| EPS (Diluted) | 1.28▲ 0% | 1.02▼ 20.3% | 2.01▲ 97.1% | 2.00▼ 0.5% | 2.63▲ 31.5% | 2.60▼ 1.1% | 2.73▲ 5.0% | 2.01▼ 26.4% | 2.64▲ 31.3% |
| EPS Growth % | -18.47% | -20.31% | 97.06% | -0.5% | 31.5% | -1.14% | 5% | -26.37% | 31.34% |
| EPS (Basic) | 1.48 | 1.02 | 2.16 | 2.00 | 2.63 | 2.60 | 2.73 | 2.01 | 2.64 |
| Diluted Shares Outstanding | 12.35M | 13.86M | 16.85M | 16.08M | 15.34M | 14.97M | 15.15M | 15.4M | 17.51M |
CIVB Balance Sheet
Civista Bancshares, Inc. (CIVB) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 270.75M | 389.07M | 407.03M | 491.69M | 815.06M | 660.24M | 679.9M | 329.94M | 761.92M |
| Cash & Due from Banks | 40.52M | 42.78M | 48.53M | 128.22M | 255.19M | 44.84M | 61.63M | 64.61M | 77.32M |
| Short Term Investments | 230.23M | 346.29M | 358.5M | 363.46M | 559.87M | 615.4M | 618.27M | 265.34M | 684.6M |
| Total Investments | 1.4B | 1.92B | 2.09B | 2.45B | 2.56B | 3.25B | 3.43B | 3.68B | 3.92B |
| Investments Growth % | 11.53% | 37.1% | 8.72% | 17.3% | 4.75% | 26.91% | 5.63% | 7.22% | 6.32% |
| Long-Term Investments | 1.17B | 1.57B | 1.73B | 2.08B | 2B | 2.64B | 2.82B | 3.42B | 3.59B |
| Accounts Receivables | 4.49M | 6.72M | 7.09M | 9.42M | 7.38M | 11.18M | 12.82M | 13.45M | 14.44M |
| Goodwill & Intangibles | 28.37M | 86.2M | 85.16M | 84.93M | 84.43M | 136.45M | 135.03M | 133.4M | 140.85M |
| Goodwill | 27.09M | 76.85M | 76.85M | 76.85M | 76.85M | 125.69M | 125.52M | 125.52M | 130.44M |
| Intangible Assets | 1.28M | 9.35M | 8.3M | 8.07M | 7.58M | 10.76M | 9.51M | 7.88M | 10.42M |
| PP&E (Net) | 17.61M | 22.02M | 22.87M | 22.58M | 22.45M | 64.02M | 56.77M | 47.17M | 40.61M |
| Other Assets | 35.83M | 63.19M | 60.53M | 77.65M | 80.23M | 76.3M | 87.6M | 89.79M | -3.59B |
| Total Current Assets | 275.24M | 395.8M | 414.13M | 501.11M | 822.45M | 707.79M | 747.07M | 388.94M | 761.92M |
| Total Non-Current Assets | 1.25B | 1.74B | 1.9B | 2.27B | 2.19B | 2.93B | 3.11B | 3.71B | 184.15M |
| Total Assets | 1.53B▲ 0% | 2.14B▲ 40.2% | 2.31B▲ 8.0% | 2.77B▲ 19.9% | 3.01B▲ 8.8% | 3.64B▲ 20.8% | 3.86B▲ 6.1% | 4.1B▲ 6.1% | 4.34B▲ 5.8% |
| Asset Growth % | 10.79% | 40.18% | 7.98% | 19.89% | 8.81% | 20.8% | 6.1% | 6.14% | 5.81% |
| Return on Assets (ROA) | 1.09% | 0.77% | 1.52% | 1.27% | 1.4% | 1.19% | 1.15% | 0.8% | 1.1% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 123.08M | 245.23M | 274.6M | 183.34M | 204.23M | 643.35M | 454.19M | 450.88M | 284.18M |
| Net Debt | 82.56M | 202.45M | 226.07M | 55.12M | -50.96M | 598.51M | 392.56M | 386.28M | 206.86M |
| Long-Term Debt | 101.33M | 223.03M | 154.43M | 154.43M | 178.74M | 224.51M | 116.19M | 111.88M | 109.18M |
| Short-Term Debt | 21.75M | 22.2M | 120.17M | 28.91M | 25.5M | 418.84M | 338M | 339M | 175M |
| Other Liabilities | 0 | 0 | 8.92M | 21.76M | 11.07M | 16.58M | 50.19M | 47.21M | 3.68B |
| Total Current Liabilities | 1.24B | 1.62B | 1.82B | 2.24B | 2.47B | 3.06B | 3.32B | 3.55B | 176.22M |
| Total Non-Current Liabilities | 101.33M | 223.03M | 163.34M | 176.19M | 189.81M | 241.09M | 166.39M | 159.1M | 3.79B |
| Total Liabilities | 1.34B | 1.84B | 1.98B | 2.42B | 2.66B | 3.3B | 3.49B | 3.71B | 3.79B |
| Total Equity | 184.46M▲ 0% | 298.9M▲ 62.0% | 330.13M▲ 10.4% | 350.11M▲ 6.1% | 355.21M▲ 1.5% | 334.83M▼ 5.7% | 372M▲ 11.1% | 388.5M▲ 4.4% | 543.47M▲ 39.9% |
| Equity Growth % | 34.04% | 62.04% | 10.45% | 6.05% | 1.46% | -5.74% | 11.1% | 4.44% | 39.89% |
| Equity / Assets (Capital Ratio) | 12.09% | 13.97% | 14.29% | 12.64% | 11.79% | 9.2% | 9.63% | 9.48% | 12.53% |
| Return on Equity (ROE) | 9.86% | 5.85% | 10.77% | 9.46% | 11.5% | 11.43% | 12.16% | 8.33% | 9.92% |
| Book Value per Share | 14.93 | 21.57 | 19.59 | 21.77 | 23.15 | 22.37 | 24.55 | 25.22 | 31.04 |
| Tangible BV per Share | 12.64 | 15.35 | 14.54 | 16.49 | 17.65 | 13.25 | 15.64 | 16.56 | 23.00 |
| Common Stock | 153.81M | 266.9M | 276.42M | 277.04M | 277.74M | 310.18M | 311.17M | 312.04M | 419.77M |
| Additional Paid-in Capital | 153.81M | 266.9M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 31.65M | 41.32M | 67.97M | 93.05M | 125.56M | 156.49M | 183.79M | 205.41M | 239.78M |
| Accumulated OCI | -154.93M | -268.35M | 6.87M | 14.62M | 8.82M | -58.05M | -47.53M | -53.36M | -40.31M |
| Treasury Stock | -17.23M | -17.23M | -21.14M | -34.6M | -56.91M | -73.79M | -75.42M | -75.59M | -75.76M |
| Preferred Stock | 17.36M | 9.36M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
CIVB Cash Flow Statement
Civista Bancshares, Inc. (CIVB) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 20.82M | 19.63M | 38.8M | 32.65M | 40.76M | 25.18M | 62.7M | 48.25M | 18.02M |
| Operating CF Growth % | 17.56% | -5.74% | 97.71% | -15.84% | 24.83% | -38.22% | 148.97% | -23.05% | -62.64% |
| Net Income | 15.87M | 14.14M | 33.88M | 32.19M | 40.55M | 39.43M | 42.96M | 31.68M | 46.21M |
| Depreciation & Amortization | 1.83M | 1.88M | 3.19M | 3.17M | 2.87M | 5.75M | 12.34M | 11.03M | 0 |
| Deferred Taxes | 946K | 151K | 663K | -2.28M | 1.32M | 483K | -675K | -1.85M | 0 |
| Other Non-Cash Items | 1.03M | 2.67M | -460K | 437K | -6.67M | 685K | 1.4M | 3.48M | -22.69M |
| Working Capital Changes | 713K | 360K | 1M | -1.48M | 2M | -21.98M | 5.69M | 3.04M | -5.5M |
| Cash from Investing | -146.18M | -33.79M | -150.76M | -340.98M | -130.5M | -410.36M | -311.78M | -258.8M | -66.76M |
| Purchase of Investments | -70.99M | -135.17M | -72.63M | -56.36M | -268.55M | -146.75M | -46.46M | -87.22M | 0 |
| Sale/Maturity of Investments | 35.33M | 56.78M | 72.37M | 60.68M | 68.24M | 109.55M | 59.28M | 48.54M | 0 |
| Net Investment Activity | -35.65M | -78.39M | -260K | 4.33M | -200.31M | -37.21M | 12.82M | -38.67M | 0 |
| Acquisitions | 0 | 143.8M | 0 | 0 | 0 | -51.64M | 0 | 0 | -66.76M |
| Other Investing | -109.51M | -97.72M | -147.3M | -343.34M | 71.74M | -315.01M | -321.18M | -215.94M | 0 |
| Cash from Financing | 129.19M | 16.42M | 116.74M | 398.8M | 216.93M | 164.3M | 266.13M | 213.3M | 63.65M |
| Dividends Paid | -3.68M | -4.75M | -7.19M | -7.12M | -8.04M | -8.49M | -9.6M | -10.06M | -11.84M |
| Share Repurchases | -4K | 0 | -3.91M | -13.45M | -22.31M | -16.89M | -1.63M | -164K | -178K |
| Stock Issued | 32.82M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 75.67M |
| Net Stock Activity | 32.82M | 0 | -3.91M | -13.45M | -22.31M | -16.89M | -1.63M | -164K | 75.49M |
| Debt Issuance (Net) | 1000K | 1000K | 1000K | -1000K | 1000K | 1000K | -1000K | -1000K | -1000K |
| Other Financing | 76.65M | -100.53M | 95.35M | 520.87M | 223.88M | -68.26M | 339.9M | 226.84M | 2.85M |
| Net Change in Cash | 3.82M▲ 0% | 2.26M▼ 40.9% | 4.78M▲ 111.3% | 90.47M▲ 1794.3% | 127.19M▲ 40.6% | -220.88M▼ 273.7% | 17.05M▲ 107.7% | 2.75M▼ 83.9% | 14.92M▲ 442.6% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 36.7M | 40.52M | 41.8M | 46.58M | 137.05M | 264.24M | 43.36M | 60.41M | 8.88M |
| Cash at End | 40.52M | 42.78M | 46.58M | 137.05M | 264.24M | 43.36M | 60.41M | 63.16M | 23.8M |
| Interest Paid | 3.86M | 7.75M | 12.91M | 10.21M | 6.21M | 10.7M | 48.38M | 89.99M | 86.53M |
| Income Taxes Paid | 5.95M | 1.6M | 5.7M | 7.09M | 6.18M | 3.15M | 9.51M | 4.89M | 8.07M |
| Free Cash Flow | 19.8M▲ 0% | 18.15M▼ 8.3% | 35.6M▲ 96.1% | 30.68M▼ 13.8% | 38.83M▲ 26.6% | 18.68M▼ 51.9% | 59.27M▲ 217.4% | 44.06M▼ 25.7% | 44.14M▲ 0.2% |
| FCF Growth % | 29.68% | -8.34% | 96.11% | -13.81% | 26.57% | -51.91% | 217.37% | -25.66% | 0.18% |
CIVB Banking Ratios
Civista Bancshares, Inc. (CIVB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 13.1% | 9.86% | 5.85% | 10.77% | 9.46% | 11.5% | 11.43% | 12.16% | 8.33% | 9.92% |
| Return on Assets (ROA) | 1.28% | 1.09% | 0.77% | 1.52% | 1.27% | 1.4% | 1.19% | 1.15% | 0.8% | 1.1% |
| Net Interest Margin | 3.65% | 3.57% | 3.09% | 3.68% | 3.24% | 3.17% | 3.03% | 3.25% | 2.85% | 3.2% |
| Efficiency Ratio | 62.6% | 64.47% | 72.31% | 54.85% | 54.52% | 56.15% | 57.68% | 48.37% | 45.46% | 44.69% |
| Equity / Assets | 9.99% | 12.09% | 13.97% | 14.29% | 12.64% | 11.79% | 9.2% | 9.63% | 9.48% | 12.53% |
| Book Value / Share | 12.57 | 14.93 | 21.57 | 19.59 | 21.77 | 23.15 | 22.37 | 24.55 | 25.22 | 31.04 |
| NII Growth | 6.05% | 8.44% | 21.29% | 28.73% | 5.44% | 6.35% | 15.49% | 13.88% | -7% | 18.74% |
| Dividend Payout | 18.9% | 23.2% | 33.59% | 21.23% | 22.11% | 19.82% | 21.54% | 22.34% | 31.76% | 25.61% |
CIVB SEC Filings & Documents
Civista Bancshares, Inc. (CIVB) SEC filings — annual & quarterly reports (10-K, 10-Q)
CIVB Frequently Asked Questions
Civista Bancshares, Inc. (CIVB) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Civista Bancshares, Inc. (CIVB) grew revenue by 5.4% over the past year. This is steady growth.
Yes, Civista Bancshares, Inc. (CIVB) is profitable, generating $46.2M in net income for fiscal year 2025 (18.1% net margin).
Dividend & Returns
Yes, Civista Bancshares, Inc. (CIVB) pays a dividend with a yield of 2.70%. This makes it attractive for income-focused investors.
Civista Bancshares, Inc. (CIVB) has a return on equity (ROE) of 9.9%. This is below average, suggesting room for improvement.
Industry Metrics
Civista Bancshares, Inc. (CIVB) has a net interest margin (NIM) of 3.2%. This indicates healthy earnings from lending activities.
Civista Bancshares, Inc. (CIVB) has an efficiency ratio of 44.7%. This is excellent, indicating strong cost control.
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Civista Bancshares, Inc. (CIVB) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates