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Civista Bancshares, Inc.

CIVB Financial Banks Regional

Civista Bancshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $255.0 million, up 4.30% from fiscal 2024.

Revenue
+4.29%
EPS
+13.2%
Free cash flow
+57.6%
Total debt
−57.5%

Quarter to September 2026, against a year earlier

28.21 0.05 +0.18%
Market cap
$583.3M
P/E
10.1×
Fwd P/E
9.6×
Dividend yield
3.19%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.02
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — 1 — 1
Sell — — — — — — — — — — — —
Insider Ownership 2.16%

Capital & Financial Ratios $m

Size
Market Cap 583.25
Revenue ttm 261.29
Net income ttm 46.21
Free cash flow ttm 66.48
Net debt Q (67.71)
Valuation
P/E 10.10
Forward P/E 9.61
Price / sales 2.23
Forward P/S Powerpack
Price / FCF 8.87
Price / book 1.05
Financial health
Current ratio Q 0.95
Debt / equity Q 0.00
Interest coverage Q —
Growth
Revenue growth Q +4.29% (above 0%: growing)
Operating income growth Q +26.56% (above 0%: growing)
EPS, this year +4.90%
EPS, next year A +1.37%
Revenue, next year A −23.79% (below 0%: weak)
EPS, past 5 yrs +5.71%
EPS, next 5 yrs A +3.67%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 62.30%
10-year low 10-year high
P/S against its own 10 years 50.53%
10-year low 10-year high
P/B against its own 10 years 70.11%
10-year low 10-year high

Dividends raised every year since 2017

Yield
3.19%
Annual rate
0.90
Payout ratio
32.3%
Growth, 2017–25
+13.3%/yr
  1. 0.25 ’17
  2. 0.32 ’18 +28
  3. 0.42 ’19 +31
  4. 0.44 ’20 +5
  5. 0.52 ’21 +18
  6. 0.56 ’22 +8
  7. 0.61 ’23 +9
  8. 0.64 ’24 +5
  9. 0.68 ’25 +6
  10. 0.72 ’26e +6
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 60 63 77 68
Receivables — — — —
Inventory — — — —
Other — — — —
2,900 3,119 3,327 —
2023 2024 2025 Q'26
Payables 2,985 3,212 3,466 3,478
ST’ Debt — — — —
Other — — — —
3,023 3,247 3,503 —

Compound Annual Growth %

10y 5y 3y
Sales 14.65% 14.77% 17.98%
Cash Flow 11.12% 5.79% 19.78%
Earnings 15.22% 7.49% 5.76%
Book Value 15.82% 9.19% 17.52%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.70 Actual 0.77

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.61 0.75 Beat by 0.14
Q1 FY26 0.56 0.74 Beat by 0.18
Q2 FY26 0.67 0.69 Beat by 0.02
Q3 FY26 0.70 0.77 Beat by 0.07
Q4 FY26 0.75 — Reports 4 February 2027

EPS $

Mar Jun Sep Dec Year
’26 0.72 0.69 0.77 — —
’25 0.66 0.71 0.68 0.61 2.64
’24 0.41 0.45 0.53 0.63 2.01
’23 0.82 0.64 0.66 0.62 2.73
’22 0.57 0.53 0.72 0.77 2.60
’21 0.68 0.59 0.64 0.73 2.63
’20 0.47 0.41 0.48 0.64 2.00
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 65 66 — — —
’25 62 63 65 66 255
’24 58 61 63 62 244
’23 54 54 55 57 220
’22 32 32 38 53 155
’21 35 35 32 35 137
’20 32 31 31 33 128
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 12 17 28 — —
’25 4 11 19 10 43
’24 1 12 13 22 48
’23 20 19 21 2 63
’22 9 39 (20) (2) 25
’21 16 4 14 6 41
’20 26 (14) 14 7 33
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 12 17 28 — —
’25 3 12 18 11 44
’24 1 12 13 23 48
’23 19 19 21 1 59
’22 9 36 (21) (5) 19
’21 16 3 14 6 39
’20 25 (15) 13 7 31
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 70 75 92 120 128 137 155 220 244 255 261 +15.5% 194 202 213 (5.8%)
Gross margin, % 95.25 94.54 91.75 89.25 92.08 92.95 89.72 73.97 63.19 67.68 70.94 (27.6) pt
EBT 24 22 17 40 37 48 47 51 37 55 70 +9.8%
EBT margin, % 34.20 29.67 18.28 32.83 29.00 35.44 30.30 23.02 14.96 21.66 0.00 (12.5) pt
Net income 17 16 14 34 32 41 39 43 32 46 46 +11.6%
Per share, $
Per share, $ Revenue 8.70 7.56 7.67 7.72 7.96 8.90 10.37 14.51 15.88 14.63 0.00 +5.9%
Earnings 1.96 1.48 1.10 2.12 2.00 2.63 2.60 2.73 2.01 2.64 2.79 +3.4%
Cash flow 2.21 2.10 1.64 2.49 2.03 2.66 1.68 4.14 3.13 2.48 3.21 +1.3%
Capex (0.30) (0.09) (0.02) (0.20) (0.12) (0.12) (0.42) (0.23) 0.00 0.01 0.00 n/m
Free cash flow 1.91 2.01 1.62 2.28 1.91 2.53 1.26 3.91 3.14 2.50 3.21 +3.0%
Book value 17.18 18.62 24.97 21.14 21.77 23.15 22.37 24.55 25.24 31.20 26.71 +6.9%
Shares, m 8 10 12 16 16 15 15 15 15 17 20 +9.0%
Valuation, ×
Valuation, × P/E 9.81 14.82 16.13 11.32 8.77 9.24 8.31 6.71 10.42 8.35 10.10 10.4
P/S 2.22 2.90 2.27 3.11 2.20 2.74 2.08 1.27 1.32 1.52 2.23 2.2
P/B 1.30 1.30 0.72 1.14 0.81 1.05 0.96 0.75 0.83 0.71 1.05 1.0
EV/Sales 2.81 3.71 4.23 4.83 2.34 2.12 5.78 3.06 2.91 2.33 — 3.4
EV/FCF 12.84 13.94 20.10 16.35 9.75 7.44 47.57 11.34 14.73 13.65 — 16.8
Cash, $m
Cash, $m Operating cash flow 18 21 20 39 33 41 25 63 48 43 66 +10.4%
Capex (2) (1) 0 (3) (2) (2) (6) (3) 0 0 (1) n/m
Free cash flow 15 20 19 36 31 39 19 59 48 44 66 +12.3%
Balance, $m
Balance, $m Working capital (77) (41) (18) 38 (57) (223) 5 (123) (129) (176) (191) +9.7%
Net debt 41 61 180 207 17 (86) 575 394 388 207 (68) +19.6%
Shareholders’ equity 138 184 299 330 350 355 335 372 389 543 553 +16.5%
Returns, %
Returns, % ROA 1.17 1.01 0.72 1.49 1.26 1.40 1.17 1.10 0.78 1.09 0.00 (0.1) pt
ROIC 8.33 5.67 2.19 4.60 6.32 11.21 3.23 4.13 2.94 4.60 8.99 (3.7) pt
ROE 14.19 10.24 5.77 10.73 9.44 11.45 11.28 11.71 8.16 9.88 0.00 (4.3) pt
People
People Employees 337 350 432 457 459 441 530 532 527 526 — +5.1%
Revenue/emp, $m 0.21 0.21 0.21 0.26 0.28 0.31 0.29 0.41 0.46 0.48 — +9.9%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 5 Nov 2026

Civista Bancshares, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
GCBC Greene County Bancorp, Inc. $612.9M 14.9× — +7.97% (above 0%: growing) +21.82% (above 0%: growing) +40.48% (above 0%: growing) 67.04% 0.00% Compare
KRNY Kearny Financial $586.3M 15.6× 12.1× +1.22% (above 0%: growing) +6.67% (above 0%: growing) +147.69% (above 0%: growing) 50.63% 0.00% Compare
CIVB Civista Bancshares, Inc. $583.3M 10.1× 9.6× +4.29% (above 0%: growing) +13.24% (above 0%: growing) +57.62% (above 0%: growing) 72.61% 0.00%
UNTY Unity Bancorp, Inc. $580.2M 9.4× 9.5× +10.61% (above 0%: growing) +20.98% (above 0%: growing) +8.49% (above 0%: growing) 70.01% 0.00% Compare
BWB Bridgewater Bancshares, Inc. $567.9M 9.9× 10.2× +4.66% (above 0%: growing) +41.63% (above 0%: growing) +433.13% (above 0%: growing) 54.57% 0.00% Compare
SFST Southern First Bancshares, Inc. $561.9M 12.0× 11.9× +8.16% (above 0%: growing) +20.37% (above 0%: growing) +41.79% (above 0%: growing) 59.23% 0.00% Compare
BWFG Bankwell Financial Group, Inc. $559.9M 12.2× 11.6× +10.72% (above 0%: growing) +25.00% (above 0%: growing) +23.23% (above 0%: growing) 60.10% 0.00% Compare
BSVN Bank7 Corp. $556.7M 13.2× 16.2× −7.40% (below 0%: shrinking) −25.42% (below 0%: shrinking) +20.62% (above 0%: growing) 71.74% 0.00% Compare
CBAN Colony Bankcorp, Inc. $546.8M 12.1× 12.0× +23.45% (above 0%: growing) +10.87% (above 0%: growing) −48.88% (below 0%: shrinking) 72.54% 0.00% Compare
Median of peers $564.9M 12.2× 11.9× +8.07% +20.68% +31.86% 63.57% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 7 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 2.89m 2.77m 148.10
2024 2.31m 2.31m 102.04
2023 1.01m 943.60k 86.01
2022 923.66k 907.48k 99.02
2021 848.89k 891.04k 107.08

Ownership

Directors and executive officers, together 1.64%
Wellington Management Group LLP Wellington Group Holdings LLP Wellington Investment Advisors Holdings LLP Wellington Management Company LLP c/o Wellington Management Company LLP 5.98%
BlackRock, Inc. 5.00%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Civista Bancshares, Inc. (CIVB) Latest News

23 Oct

Impact 4 · · Simply Wall St.
Impact 3 · · PR Newswire

22 Oct

Impact 4 · · Moby transcript
Impact 3 · · MarketBeat
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15 Oct

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7 Oct

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1 Oct

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24 Sep

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31 Aug

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24 Jul

Impact 3 · · Moby transcript

23 Jul

Impact 3 ·
Impact 3 · · MarketBeat
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2 Jun

Impact 3 · · The Motley Fool transcript

1 May

Impact 3 · · Simply Wall St.

24 Apr

Impact 4 · · GuruFocus.com

23 Apr

Impact 3 · · MarketBeat

22 Apr

Impact 4 · · Moby
Impact 4 · · Zacks
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Impact 3 · · PR Newswire

15 Apr

Impact 3 · · Zacks

10 Apr

Impact 3 · · Zacks

3 Mar

Impact 4 · · bankingdive.com

2 Mar

Impact 3 · · americanbanker.com
Impact 3 · · PR Newswire
stockrow.com/CIVB · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com