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Civista Bancshares Inc

Financial Services US CIVB

25.21USD
-0.61(2.36%)

Last update at 2026-06-03T20:00:00Z

Day Range

25.1625.70
LowHigh

52 Week Range

18.5025.22
LowHigh

Fundamentals

  • Previous Close 25.82
  • Market Cap492.88M
  • Volume98321
  • P/E Ratio9.00
  • Dividend Yield2.80%
  • Revenue TTM169.17M
  • Revenue Per Share TTM9.71
  • Gross Profit TTM 169.17M
  • Diluted EPS TTM2.64

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 55.23M 36.57M 50.61M 47.03M 47.56M
Minority interest - - - - -
Net income 46.21M 31.68M 42.96M 39.43M 40.55M
Selling general administrative 72.78M 64.45M 59.93M 51.06M 49.17M
Selling and marketing expenses - 2.09M 1.35M 1.51M 1.10M
Gross profit 169.17M 146.55M 155.80M 137.03M 124.56M
Reconciled depreciation 9.88M 11.03M 1.60M 1.30M 0.89M
Ebit - 36.57M 50.61M 62.54M 47.56M
Ebitda 55.23M 47.60M 62.95M 63.84M 48.45M
Depreciation and amortization - 11.03M 12.34M 1.30M 0.89M
Non operating income net other - - - - -
Operating income 55.23M 36.57M 50.61M 62.54M 47.56M
Other operating expenses 199.72M 205.32M 166.86M -74.49200M -77.00000M
Interest expense 82.40M 89.98M 57.24M 11.05M 6.32M
Tax provision 9.02M 4.89M 8.50M 7.61M 7.02M
Interest income 220.99M 206.69M 168.65M 121.25M 101.74M
Net interest income 138.58M 116.71M 128.01M 110.20M 95.42M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 9.02M 4.89M 7.65M 7.61M 7.02M
Total revenue 254.95M 241.90M 217.48M 137.03M 124.56M
Total operating expenses 113.94M 109.98M 105.19M -74.49200M -77.00000M
Cost of revenue 85.78M 95.35M 61.67M - -
Total other income expense net - 174.16M 50.61M -15.50500M -6.31700M
Discontinued operations - - - - -
Net income from continuing ops 46.21M 31.68M 45.46M 39.43M 40.55M
Net income applicable to common shares - - - 39.43M 40.55M
Preferred stock and other adjustments - - - - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 4336.45M 4098.47M 3861.42M 3537.83M 3011.98M
Intangible assets 10.42M 7.88M 9.51M 10.76M 7.58M
Earning assets - - - - -
Other current assets -14.43600M - 74.45M -27.09600M 2061.18M
Total liab 3792.98M 3709.97M 3489.42M 3202.99M 177.81M
Total stockholder equity 543.47M 388.50M 372.00M 334.84M 355.21M
Deferred long term liab - - - - -
Other current liab 1.22M 3211.87M 1221.15M -393.70000M 2416.70M
Common stock 419.77M 312.04M 311.17M 310.18M 277.74M
Capital stock 419.77M 312.04M 311.17M 310.18M 277.74M
Retained earnings 239.78M 205.41M 183.79M 156.49M 125.56M
Other liab - - - 5.63M 5.71M
Good will 130.44M 125.52M 125.52M 125.69M 76.85M
Other assets 3390.38M 3206.17M - 1977.97M 1493.92M
Cash 77.32M 64.61M 61.63M 44.84M 265.97M
Cash and equivalents - - - - -
Total current liabilities 176.22M 3550.87M 1560.72M 393.70M 2478.96M
Current deferred revenue - - - - -
Net debt 206.86M 386.28M 394.19M 471.75M -88.15600M
Short term debt 175.00M 339.00M 339.57M 393.70M 75.00M
Short long term debt 175.00M 339.00M 338.00M 393.70M -
Short long term debt total 284.18M 450.88M 455.83M 516.59M 177.81M
Other stockholder equity -75.76400M -75.58600M -75.42200M -73.79400M -56.90700M
Property plant equipment - - - 64.02M 22.45M
Total current assets 761.92M 388.94M 74.45M 708.22M 833.23M
Long term investments 710.54M 680.84M 650.44M 651.18M 577.96M
Net tangible assets - - - 198.38M 270.78M
Short term investments 684.60M 265.34M 618.27M 615.40M 559.87M
Net receivables 14.44M 58.99M 67.16M 36.80M 7.38M
Long term debt 109.18M 111.88M 116.19M 122.89M 177.81M
Inventory - - -6.75800M - -7.38500M
Accounts payable - - - 24.70M 2416.70M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -40.31500M -53.35700M -47.53000M -58.04500M 8.82M
Additional paid in capital - - - - -
Common stock total equity - - - 310.18M 277.74M
Preferred stock total equity - - - - -
Retained earnings total equity - - - 156.49M 125.56M
Treasury stock - - - -73.79400M -56.90700M
Accumulated amortization - - - - -
Non currrent assets other -3591.46700M 89.79M 3514.63M -3.27300M -684.83400M
Deferred long term asset charges - - - - -
Non current assets total 184.15M 3709.53M 3786.97M 851.65M 684.83M
Capital lease obligations - - - - -
Long term debt total - - - 135.89M 113.89M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -12.48300M -258.80100M -419.43400M -39.14300M -204.81700M
Change to liabilities - - - -19.93400M -0.04100M
Total cashflows from investing activities -66.75800M -258.80100M -311.78400M -410.36400M -130.49600M
Net borrowings -166.84900M -3.31100M -62.54300M -136.10600M 19.97M
Total cash from financing activities 63.65M 213.30M 266.13M 164.30M 216.93M
Change to operating activities - - - -19.93400M -0.04100M
Net income 46.21M 31.68M 42.96M 39.43M 40.55M
Change in cash 14.92M 2.75M 17.05M -220.87800M 127.19M
Begin period cash flow 8.88M 60.41M 43.36M 264.24M 137.05M
End period cash flow 23.80M 63.16M 60.41M 43.36M 264.24M
Total cash from operating activities 18.02M 48.25M 62.70M 25.18M 40.76M
Issuance of capital stock 75.67M 0.00000M 0.00000M - -
Depreciation 9.88M 11.03M 12.34M 5.75M 2.87M
Other cashflows from investing activities - -215.94100M -321.17900M -364.71300M 76.25M
Dividends paid 11.84M 10.06M 9.60M -8.49300M -8.03600M
Change to inventory - - 1.53M - -
Change to account receivables -0.54300M -0.63400M -1.64100M -2.04900M 2.04M
Sale purchase of stock -0.17800M -0.16400M -1.62800M -16.88700M -22.30900M
Other cashflows from financing activities 2.85M 226.84M 339.90M 325.44M 297.27M
Change to netincome - - - 3.36M 6.68M
Capital expenditures 1.16M 4.19M 3.43M 6.51M 1.93M
Change receivables - - - -2.04900M 2.04M
Cash flows other operating - - - -0.12000M -1.96400M
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - -220.87800M 127.19M
Change in working capital -5.49500M 3.04M 5.69M -21.98300M 2.00M
Stock based compensation 0.85M 0.87M 0.98M 0.82M 0.70M
Other non cash items -22.69400M 3.48M 1.40M 0.69M -6.66700M
Free cash flow 44.14M 44.06M 59.27M 18.68M 38.83M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
CIVB
Civista Bancshares Inc		 -0.61 2.36% 25.21 9.00 9.53 2.91 0.91 4.57
HDB
HDFC Bank Limited ADR		 0.01 0.04% 23.55 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd		 -0.425 1.38% 30.39 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd		 - -% 51.34 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H		 - -% 5.92 6.10 5.67 0.44 0.77 3.43

Reports Covered

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Profile

Civista Bancshares, Inc. operates as the financial holding company for Civista Bank that provides banking services in the United States. The company offers personal and commercial checking accounts; retirement, money market, time, and savings accounts; safe deposit boxes; wire transfers; and automated teller services. It also provides internet banking; ACH origination; telephone banking; and mobile/digital banking services, as well as remote deposit capture banking services for retail and business customers. In addition, the company offers time deposits that consist of certificates of deposit, including those held in IRA accounts and reciprocal deposits. Further, its loan portfolio includes commercial and agriculture; commercial real estate " owner and non-owner occupied; residential and farm real estate; real estate construction; lease financing receivable; consumer; and other loans, as well as home equity line of credit. Additionally, the company holds and manages securities portfolio; leases general equipment; and provides captive insurance products and investment advisory services. It operates in North Central, West Central, South Western Ohio, South Eastern 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.

Civista Bancshares Inc

100 East Water Street, Sandusky, OH, United States, 44870-2514

Key Executives

Name Title Year Born
Mr. Dennis G. Shaffer Pres, CEO & Vice Chairman 1963
Mr. Richard J. Dutton Sr. VP & COO 1963
Mr. Paul J. Stark Sr. VP 1958
Mr. Charles A. Parcher Sr. VP 1965
Mr. Todd A. Michel Sr. VP & Controller 1965
Mr. Harry Singer Independent Director 1955
Mr. Carl A. Kessler III Sr. VP & Chief Information Officer NA
Mr. Lance A. Morrison Sr. VP, Gen. Counsel & Corp. Sec. 1968
Ms. Donna M. Waltz-Jaskolski Sr. VP 1967
Russell L. Edwards Sr. VP of Retail Banking NA

Disclaimer - This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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