Civista Bancshares, Inc. (CIVB) Earnings History
Steady Earner30 years of earnings data (1996–2025) · Positive but moderate multi-year EPS trajectory
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Civista Bancshares, Inc. (CIVB) Earnings Overview
As of June 28, 2026, Civista Bancshares, Inc. (CIVB) reported trailing twelve-month net income of $51M, reflecting +31.3% year-over-year growth. The company earned $2.46 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 ($15M net income, 16.6% margin), FXNC ($21M net income, 15.8% margin), MVBF ($29M 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% |
| 2015 | $13M | +33.8% | $18M | $1.17 | 19.8% | 27.3% |
| 2014 | $10M | +54.2% | $13M | $0.85 | 16.1% | 21.5% |
| 2013 | $6M | +10.8% | $8M | $0.65 | 11.0% | 13.4% |
| 2012 | $6M | +41.0% | $7M | $0.57 | 9.7% | 12.7% |
| 2011 | $4M | +412.1% | $5M | $0.36 | 6.8% | 8.2% |
| 2010 | -$1M | -176.6% | -$3M | $-0.32 | -2.0% | -5.0% |
| 2009 | $2M | +104.2% | $1M | $0.09 | 2.5% | 2.2% |
| 2008 | -$39M | -666.1% | -$38M | $-5.06 | -54.0% | -52.1% |
| 2007 | $7M | +11.8% | $10M | $1.25 | 12.0% | 17.2% |
| 2006 | $6M | -7.5% | $9M | $1.12 | 11.7% | 16.8% |
| 2005 | $7M | +38.4% | $10M | $1.15 | 13.2% | 19.2% |
| 2004 | $5M | -13.5% | $7M | $0.92 | 12.0% | 16.8% |
| 2003 | $6M | -21.9% | $8M | $1.10 | 13.6% | 18.8% |
| 2002 | $7M | +34.6% | $10M | $1.48 | 16.6% | 23.4% |
| 2001 | $5M | -7.0% | $7M | $1.30 | 12.8% | 17.5% |
| 2000 | $6M | -6.1% | $8M | $1.39 | 14.3% | 19.6% |
| 1999 | $6M | +5.2% | $8M | $1.43 | 15.7% | 21.8% |
| 1998 | $6M | +67.7% | $8M | $1.35 | 24.1% | 33.9% |
| 1997 | $3M | -13.4% | $5M | $1.13 | 24.1% | 33.2% |
| 1996 | $4M | - | $6M | $1.30 | 30.4% | 42.3% |
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CIVB — Frequently Asked Questions
Quick answers to the most common questions about buying CIVB stock.
What is CIVB earnings per share (EPS)?
CIVB trailing twelve-month (TTM) diluted EPS is $2.46, reflecting +31.3% year-over-year growth. The 5-year EPS CAGR is +5.7%. Complete EPS history from 1996 to 2025 is available in the table on this page.
What is Civista Bancshares, Inc.'s net income?
Civista Bancshares, Inc. (CIVB) trailing twelve-month net income is $51M as of 2025. Earnings grew +31.3% year-over-year. Civista Bancshares, Inc. has been profitable for 15 consecutive years.
Is CIVB profitable?
Yes, CIVB is profitable with a TTM net income of $51M and a net profit margin of +18.1%. Civista Bancshares, Inc. has generated profits for 15 consecutive years.
What is CIVB's earnings growth rate?
CIVB compound annual EPS growth rates (CAGR): 1-Year: +31.3%, 3-Year: +0.5%, 5-Year: +5.7%, 10-Year: +8.5%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1996 to 2025.
What are CIVB's profit margins?
Civista Bancshares, Inc. net profit margin is +18.1%, operating margin is +21.7%, and gross margin is +66.4%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +9.9%.
Is CIVB growing earnings?
Yes, CIVB earnings are accelerating — EPS growth of +31.3% exceeds the 5-year CAGR of +5.7%. TTM net income reached $51M. Earnings momentum is strengthening.
What was CIVB's best earnings year?
Civista Bancshares, Inc.'s highest annual net income on record is $46M, achieved in fiscal year 2025. Earnings history on this page spans 1996 to 2025 and includes all annual and quarterly figures.
What were CIVB's earnings last quarter?
CIVB's most recent reported quarter was Q1 2026. Net income was $15M with diluted EPS of $0.72. For a full breakdown of all quarters, see the quarterly earnings table on this page.