Civista Bancshares, Inc. (CIVB) Earnings History
Annual and quarterly earnings data from 1996 to 2025
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CIVB EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
CIVB Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 66.4% | 21.7% | 18.1% |
| 2024 | 60.6% | 15.1% | 13.1% |
| 2023 | 71.6% | 23.3% | 19.8% |
| 2022 | 88.4% | 30.7% | 25.8% |
| 2021 | 92.2% | 36.1% | 30.2% |
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Civista Bancshares, Inc. (CIVB) Earnings Overview
As of May 8, 2026, Civista Bancshares, Inc. (CIVB) reported trailing twelve-month net income of $46M, reflecting +31.3% year-over-year growth. The company earned $2.29 per diluted share over the past four quarters, with a net profit margin of 18.1%.
Looking at the long-term picture, CIVB's 5-year EPS compound annual growth rate (CAGR) stands at +5.7%, showing solid earnings momentum. The company achieved its highest annual net income of $46M in fiscal 2025, representing a new all-time high.
Civista Bancshares, Inc. maintains industry-leading profitability with a gross margin of 66.4%, operating margin of 21.7%, and net margin of 18.1%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including OVBC ($16M net income, 16.6% margin), FXNC ($18M net income, 15.8% margin), MVBF ($27M net income, 10.0% margin), CIVB has outperformed on profitability metrics. Compare CIVB vs OVBC →
CIVB Earnings vs Peers
Earnings metrics vs comparable public companies
CIVB Historical Earnings Data (1996–2025)
30 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $46M | +45.9% | $55M | $2.64 | 18.1% | 21.7% |
| 2024 | $32M | -26.3% | $37M | $2.01 | 13.1% | 15.1% |
| 2023 | $43M | +9.0% | $51M | $2.73 | 19.8% | 23.3% |
| 2022 | $39M | -2.8% | $47M | $2.60 | 25.8% | 30.7% |
| 2021 | $41M | +26.0% | $48M | $2.63 | 30.2% | 36.1% |
| 2020 | $32M | -5.0% | $37M | $2.00 | 25.5% | 29.4% |
| 2019 | $34M | +139.6% | $40M | $2.01 | 28.6% | 33.4% |
| 2018 | $14M | -10.9% | $17M | $1.02 | 15.6% | 18.5% |
| 2017 | $16M | -7.8% | $22M | $1.28 | 21.4% | 30.0% |
| 2016 | $17M | +35.1% | $24M | $1.57 | 24.9% | 34.5% |
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Start ComparisonCIVB — Frequently Asked Questions
Quick answers to the most common questions about buying CIVB stock.
Is CIVB growing earnings?
CIVB EPS is $2.29, with earnings growth accelerating to +31.3%. This exceeds the 5-year CAGR of +5.7%. TTM net income reached $46M.
What are CIVB's profit margins?
Civista Bancshares, Inc. net margin is +18.1%, with operating margin at +21.7%. Above-average margins indicate pricing power.
How consistent are CIVB's earnings?
CIVB earnings data spans 1996-2025. The accelerating earnings trend is +31.3% YoY. Historical data enables comparison across business cycles.