Civista's net interest income has compounded from $27.8M in 2024Q2 to $39.4M in 2026Q3, a roughly 42% increase, suggesting sustained loan growth and disciplined deposit repricing, while the efficiency ratio improved from 74.1% to 57.0% over the same period.
Price trend, volume and key moving averages
Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).
Check whether operating performance supports the current valuation.
Recent results and news deserve attention only when they alter the forward view.
| Quarter | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|
Q4 2026Latest Oct 22, 2026 | $0.77+10.5% vs $0.70 | $49M+0.6% vs $49M |
Q3 2026 Jul 23, 2026 | $0.69+3.0% vs $0.67 | $48M-1.0% vs $48M |
Q2 2026 Apr 22, 2026 | $0.74+32.1% vs $0.56 | $47M+3.8% vs $46M |
Q1 2026 Jan 29, 2026 | $0.75+23.0% vs $0.61 | $46M+2.2% vs $45M |
SANDUSKY, Ohio, Oct. 23, 2026 /PRNewswire/ -- Civista Bancshares, Inc. (NASDAQ: CIVB) ("Civista") today announced the appointment of Jeremy Normington-Slay, DPT, MBA, FACHE, to the Boards of Directors of Civista Bancshares and Civista Bank, effective October 21, 2026. Normington-Slay serves as President and Chief Executive Officer of Firelands Health, headquartered in Sandusky, Ohio.
Civista Bancshares, Inc. ( CIVB ) Q3 2026 Earnings Call October 22, 2026 1:00 PM EDT Company Participants Charles Parcher - President, CEO & Director Ian Whinnem - Senior VP, Treasurer & CFO Robert Katitus - Senior VP & Chief Lending Officer Conference Call Participants Brendan Nosal - Hovde Group, LLC, Research Division Jeff Rulis - D.A. Davidson & Co., Research Division Adam Kroll - Piper Sandler & Co., Research Division Timothy Switzer - Keefe, Bruyette, & Woods, Inc., Research Division Tyler Cacciatori - Stephens Inc. Presentation Operator Good afternoon, ladies and gentlemen, and welcome to the Civista Bancshares, Inc. Third Quarter 2026 Earnings Call.
Civista Bancshares NASDAQ: CIVB reported third-quarter net income of $16 million, or $0.77 per diluted share, up 26% from the same quarter of 2025 and 12% from the prior quarter. President and CEO Chuck Parcher said pre-provision net revenue increased 33% year over year and 11% sequentially.
While the top- and bottom-line numbers for Civista Bancshares (CIVB) give a sense of how the business performed in the quarter ended September 2026, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.
Benchmark CIVB against direct peers instead of judging its metrics in isolation.
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 |
|---|---|---|---|---|---|---|---|
| $28.36 | $589.41M | 10.19 | 13.58% | 37.26% | 10.4% | 2.38% | |
| $48.61 | $229M | 15.82 | 7.65% | 20.13% | 11.24% | 1.87% | |
| $30.42 | $275.03M | 12.00 | 33.46% | 24.12% | 12.06% | 2.01% | |
| $25.91 | $332.94M | 15.57 | 34.4% | 13.2% | 6.58% | 2.56% | |
| $32.57 | $3.42B | 11.61 | 7.65% | 29.22% | 10.17% | 3.03% | |
| $23.38 | $225.48M | 16.12 | -9.39% | 28.36% | 7.64% | 1.59% |
Civista Bancshares, Inc. (CIVB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Verify the primary filings, follow material updates, and answer the remaining questions.
Civista Bancshares, Inc. (CIVB) SEC filings — annual & quarterly reports (10-K, 10-Q)
Oct 30, 2026·SEC
Oct 23, 2026·SEC
Oct 22, 2026·SEC
Mar 6, 2026·SEC
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Civista Bancshares, Inc. (CIVB) stock FAQ — growth, dividends, profitability & financials explained
Civista Bancshares, Inc. (CIVB) revenue fell by 5.5% over the trailing twelve months, compared with the twelve months before.
Yes. Civista Bancshares, Inc. (CIVB) earned $57.6M in net income over the trailing twelve months (a 37.3% net margin).
Yes. Civista Bancshares, Inc. (CIVB) pays a dividend that yields 2.38% at the current price, a moderate yield.
Civista Bancshares, Inc. (CIVB) had a return on equity (ROE) of 10.4% over the trailing twelve months. That is in line with the market's typical 10-15%.
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 66.0%. This is higher than peers, suggesting room for cost optimization.
