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CIVISTA BANCSHARES, INC.

CIVB

$28.32 ▼ -0.32 (-1.13%) at close

17 Visible periods

34 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

CIVISTA BANCSHARES, INC. shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $493.4M

Dividend Yield —

Revenue Growth 11.7% ↗

Op. Margin 32.0% ↗

ROIC None

FCF / Share None

Trailing P/E 10.7x

Price / Book 0.9x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

17-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$172.55M

↑ +11.7% —

Net Income Profit after all expenses

$46.21M

↑ +45.9% —

Operating Margin Operating profit as % of sales

32.0%

↑ +35.2% 88th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.22 Latest / share

+10.0% YoY

+7.6% 3-yr CAGR

$0.19

FY 2014

$0.20

FY 2015

$0.22

FY 2016

FY 2017

FY 2018

FY 2019

FY 2020

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Revenue Growth YoY (%)	11.7% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+95%)	-5.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-184%)	16.8% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+180%)	9.8% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+63%)	7.6% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+27%)	9.6% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+61%)	27.7% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+361%)	18.9% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+215%)	6.7% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+12%)	7.7% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+28%)	10.6% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+77%)	7.1% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+19%)	0.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-92%)	-0.0% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-101%)	1.7% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-72%)	—	—
EPS Growth YoY (%)	31.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-26.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	5.0% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	-1.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	31.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-5.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	92.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-25.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-24.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	37.1% Excellent → Excellent Stable Year-over-year change in earnings per share Optimal: > 10%	44.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	52.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	14.0% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	58.3% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—	—
Net Income Growth YoY (%)	45.9% Excellent ↑ Excellent Improving Year-over-year change in net income	-26.3% Weak ↓ Weak Declining Year-over-year change in net income	9.0% Fair ↑ Fair Improving Year-over-year change in net income	-2.8% Weak ↓ Weak Declining Year-over-year change in net income	26.0% Excellent ↓ Excellent Declining Year-over-year change in net income	-5.0% Weak ↓ Weak Declining Year-over-year change in net income	139.6% Excellent ↑ Excellent Improving Year-over-year change in net income	-10.9% Weak ↓ Weak Declining Year-over-year change in net income	-7.8% Weak ↓ Weak Declining Year-over-year change in net income	35.1% Excellent ↑ Excellent Improving Year-over-year change in net income	33.8% Excellent → Excellent Stable Year-over-year change in net income	54.2% Excellent ↑ Excellent Improving Year-over-year change in net income	10.8% Fair Fair Year-over-year change in net income	41.0% Excellent Excellent Year-over-year change in net income	N/M	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	7.4% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	6.8% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	11.3% Good ↓ Good Declining Compound annual revenue growth over 3 years	9.0% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	14.6% Good ↓ Good Declining Compound annual revenue growth over 3 years	18.5% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	17.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	11.0% Good ↑ Good Improving Compound annual revenue growth over 3 years	8.3% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	8.5% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	6.0% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	2.5% Caution Caution Compound annual revenue growth over 3 years	0.7% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	7.9% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	7.5% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	14.1% Excellent → Excellent Stable Compound annual revenue growth over 5 years	14.5% Excellent → Excellent Stable Compound annual revenue growth over 5 years	13.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	13.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	14.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	10.1% Good ↑ Good Improving Compound annual revenue growth over 5 years	6.5% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.1% Fair Fair Compound annual revenue growth over 5 years	3.9% Caution Caution Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	0.5% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	-8.6% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	10.9% Good ↓ Good Declining Compound annual EPS growth over 3 years	7.0% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	33.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	10.6% Good ↑ Good Improving Compound annual EPS growth over 3 years	2.7% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	-8.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	14.3% Good ↓ Good Declining Compound annual EPS growth over 3 years	44.5% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	35.9% Excellent Excellent Compound annual EPS growth over 3 years	40.1% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Operating Margin (%) (%)	32.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+28%)	23.7% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-5%)	31.1% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	33.8% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+35%)	38.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+53%)	31.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	36.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+47%)	19.9% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-20%)	31.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	35.9% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+44%)	28.4% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+14%)	22.8% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-9%)	—	—	—	—	—
Effective Tax Rate (%) (%)	16.3% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	13.4% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.1% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.2% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.2% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	13.3% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	14.4% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	15.7% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.6% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.8% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.3% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.9% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—
Profit Margin (%) (%)	26.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+22%)	20.5% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-7%)	26.4% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	28.3% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+29%)	32.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+45%)	27.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	31.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+43%)	16.8% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)	22.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	25.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+18%)	20.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-6%)	17.1% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-22%)	11.9% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-46%)	10.8% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-51%)	7.6% Caution Caution Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-65%)	-2.5% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-111%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	-0.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	8.5% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-29%)	8.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-32%)	11.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	11.8% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	11.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	9.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-23%)	10.3% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-14%)	4.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-61%)	8.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-28%)	12.5% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	10.2% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-15%)	8.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-31%)	4.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-60%)	5.4% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-55%)	3.9% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-68%)	-1.3% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-111%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Debt to Equity (x)	—	—	—	—	—	—	—	—	—	—	—	—	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Revenue per Share (USD)	$9.90	$10.04	$10.73	$9.30	$8.27	$7.33	$6.87	$7.04	$7.15	$8.29	$7.88	$7.23	$6.75	$0.01	$0.01	—	—
Basic EPS, GAAP (USD)	$2.64	$2.01	$2.73	$2.60	$2.63	$2.00	$2.12	$1.10	$1.48	$1.96	$1.43	$0.99	$0.65	$0.57	$0.36	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	—	—	—	—	—	—	—	—	—	$0.22	$0.20	$0.19	$0.15	$0.12	—	—	—
Book Value per Share (USD)	$31.20	$25.24	$24.55	$22.37	$23.15	$21.77	$21.09	$24.97	$18.62	$17.18	$16.00	$15.04	$16.66	$0.01	$0.01	—	—
Tangible Book Value per Share (USD)	$22.96	$16.57	$15.64	$13.25	$17.65	$16.49	$15.65	$17.77	$15.76	$13.57	$12.23	$11.96	$13.48	$0.01	$0.01	—	—
Basic Weighted Avg Shares (shares)	17.42M	15.39M	15.15M	14.97M	15.34M	16.08M	15.65M	11.97M	9.91M	8.01M	7.82M	7.71M	7.71M	7.71B	7.71B	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$543.47M	$388.50M	$372.00M	$334.83M	$355.21M	$350.11M	$330.13M	$298.90M	$184.46M	$137.62M	$125.17M	$115.91M	$128.38M	$103.98M	$102.53M	$96.95M	$98.80M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Sales/Revenue/Turnover (USD)	$172.55M	$154.46M	$162.66M	$139.28M	$126.88M	$117.91M	$107.54M	$84.24M	$70.84M	$66.39M	$61.67M	$55.74M	$52.04M	$51.78M	$51.80M	$50.94M	—
Depreciation Expense (USD)	$8.31M	$9.54M	$10.76M	$4.46M	$1.98M	$2.25M	$2.24M	$1.51M	$1.25M	$1.26M	$1.19M	$1.18M	$1.33M	$1.49M	$1.55M	$1.59M	—
Net Income, GAAP (USD)	$46.21M	$31.68M	$42.96M	$39.43M	$40.55M	$32.19M	$33.88M	$14.14M	$15.87M	$17.22M	$12.74M	$9.53M	$6.18M	$5.58M	$3.96M	$-1.27M	—
Operating Cash Flow (USD)	$43.27M	$48.25M	$62.70M	$25.18M	$40.76M	$32.65M	$39.33M	$19.96M	$20.82M	$17.71M	$15.07M	$14.89M	—	$16.89M	$20.84M	$21.49M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗
Net Interest Margin (approx.) (%)	3.2%	2.8%	3.2%	3.0%	3.2%	3.2%	3.7%	3.1%	3.6%	3.6%	3.6%	3.5%	3.4%	3.6%	3.7%	3.8%	—
Efficiency Ratio (%) (%)	66.0%	72.8%	66.2%	65.0%	61.2%	59.9%	62.3%	79.2%	68.6%	66.1%	69.6%	74.5%	83.4%	73.5%	71.8%	70.9%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 17 years · 65 quarters

CIVISTA BANCSHARES, INC.

Analytical Summary

17-Year Financial Trajectory

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