Saturday 17 October 2026
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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. In the quarter to June 2026, revenue grew 4.29%, EPS fell 2.82%, free cash flow grew 44.5% and total debt fell 57.5%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for ten; insiders bought in the last twelve months.
26.85
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0.00%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
9.81 | 14.82 | 16.13 | 11.32 | 8.77 | 9.24 | 8.31 | 6.71 | 10.42 | 8.35 |
Piotroski F-Score |
7 | 4 | 4 | 7 | 5 | 6 | 4 | 5 | 6 | 5 |
P/S ratio |
2.22 | 2.90 | 2.27 | 3.11 | 2.20 | 2.74 | 2.08 | 1.27 | 1.32 | 1.52 |
P/FCF ratio |
10.14 | 10.89 | 10.78 | 10.53 | 9.18 | 9.64 | 17.08 | 4.70 | 6.71 | 8.90 |
P/Operating CF |
24.23 | 24.15 | 1,522.25 | 23.02 | 38.34 | 57.90 | (143.96) | 132.33 | 14.46 | 40.27 |
P/B ratio |
1.30 | 1.30 | 0.72 | 1.14 | 0.81 | 1.05 | 0.96 | 0.75 | 0.83 | 0.71 |
Price to Tangible BV |
1.72 | 1.57 | 1.03 | 1.53 | 1.06 | 1.38 | 1.62 | 1.18 | 1.27 | 0.97 |
EV/Sales |
2.81 | 3.71 | 4.23 | 4.83 | 2.34 | 2.12 | 5.78 | 3.06 | 2.91 | 2.33 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
11.07 | 13.36 | 19.81 | 15.00 | 9.17 | 7.09 | 35.62 | 10.72 | 14.75 | 13.73 |
EV/FCF |
12.84 | 13.94 | 20.10 | 16.35 | 9.75 | 7.44 | 47.57 | 11.34 | 14.73 | 13.65 |
Quick Ratio |
0.03 | 0.03 | 0.03 | 0.03 | 0.06 | 0.11 | 0.02 | 0.02 | 0.02 | 0.02 |
Current Ratio |
0.93 | 0.97 | 0.99 | 1.02 | 0.97 | 0.91 | 1.00 | 0.96 | 0.96 | 0.95 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
5.66% | 6.64% | 10.43% | 11.08% | 5.58% | 5.93% | 16.99% | 11.76% | 11.00% | 6.55% |
Debt/Equity |
0.57 | 0.55 | 0.75 | 0.78 | 0.44 | 0.50 | 1.85 | 1.22 | 1.16 | 0.52 |
Asset Turnover |
0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.06 | 0.06 | 0.06 |
Operating CF/Net income |
1.13 | 1.42 | 1.49 | 1.17 | 1.02 | 1.01 | 0.65 | 1.52 | 1.56 | 0.94 |
Capex/Depreciation |
(0.73) | (0.26) | (0.10) | (0.85) | 2.52 | 0.30 | (1.40) | (0.30) | 0.00 | 0.03 |
| 14.19% | 10.24% | 5.77% | 10.73% | 9.44% | 11.45% | 11.28% | 11.71% | 8.16% | 9.88% | |
| 1.17% | 1.01% | 0.72% | 1.49% | 1.26% | 1.40% | 1.17% | 1.10% | 0.78% | 1.09% | |
ROIC |
8.33% | 5.67% | 2.19% | 4.60% | 6.32% | 11.21% | 3.23% | 4.13% | 2.94% | 4.60% |
Return on Tangible Assets |
(26.74%) | (61.65%) | 317.82% | 55.02% | (94.29%) | (20.13%) | 56.27% | (62.27%) | (38.08%) | (33.99%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
60.05% | 64.09% | 73.08% | 55.63% | 62.37% | 56.85% | 58.59% | 50.24% | 47.62% | 45.40% |
Intangible Assets out of Total Assets |
0.02 | 0.02 | 0.04 | 0.04 | 0.03 | 0.03 | 0.04 | 0.04 | 0.03 | 0.03 |
Share Based Compensation of Revenue |
0.46% | 0.57% | 0.47% | 0.44% | 0.48% | 0.51% | 0.53% | 0.45% | 0.36% | 0.33% |
Graham Net Nets |
(1.00) | (0.66) | (1.16) | (0.61) | (0.83) | (1.10) | (1.95) | (2.12) | (1.83) | (1.20) |
Graham Number |
25.62 | 23.70 | 24.24 | 31.76 | 31.30 | 37.08 | 36.10 | 38.90 | 33.87 | 43.21 |
Earnings Yield |
10.19% | 6.75% | 6.20% | 8.83% | 11.41% | 10.82% | 12.04% | 14.91% | 9.60% | 11.97% |
Free Cash Flow Yield |
9.86% | 9.18% | 9.28% | 9.50% | 10.89% | 10.38% | 5.85% | 21.28% | 14.91% | 11.24% |
Revenue per Share |
8.70 | 7.56 | 7.67 | 7.72 | 7.96 | 8.90 | 10.37 | 14.51 | 15.88 | 14.63 |
Operating CF per Share |
2.21 | 2.10 | 1.64 | 2.49 | 2.03 | 2.66 | 1.68 | 4.14 | 3.13 | 2.48 |
Capex per Share |
(0.30) | (0.09) | (0.02) | (0.20) | (0.12) | (0.12) | (0.42) | (0.23) | 0.00 | 0.01 |
Free Cash Flow per Share |
1.91 | 2.01 | 1.62 | 2.28 | 1.91 | 2.53 | 1.26 | 3.91 | 3.14 | 2.50 |
Cash per Share |
4.58 | 4.09 | 3.57 | 3.11 | 8.52 | 17.22 | 2.90 | 3.99 | 4.10 | 4.44 |
Shareholders Equity per Share |
17.18 | 18.62 | 24.97 | 21.14 | 21.77 | 23.15 | 22.37 | 24.55 | 25.24 | 31.20 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
17.18 | 18.62 | 24.97 | 21.14 | 21.77 | 23.15 | 22.37 | 24.55 | 25.24 | 31.20 |
Free Cash Flow |
15.28 | 19.94 | 19.34 | 35.60 | 30.69 | 38.85 | 18.86 | 59.27 | 48.30 | 43.51 |
Working Capital |
(76.70) | (41.34) | (17.87) | 37.53 | (56.62) | (223.05) | 5.17 | (123.22) | (128.61) | (176.09) |
Capital Expenditures |
(2.43) | (0.88) | (0.28) | (3.20) | (1.96) | (1.91) | (6.32) | (3.43) | 0.05 | 0.23 |
Net Current Asset Value |
(154.63) | (142.66) | (240.90) | (227.31) | (232.81) | (412.86) | (629.62) | (589.90) | (591.13) | (466.02) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.03 | 0.01 | 0.00 | 0.03 | 0.02 | 0.01 | 0.04 | 0.02 | 0.00 | 0.00 |
Price to Operating Income |
6.43 | 9.77 | 12.43 | 9.47 | 7.59 | 7.74 | 6.85 | 5.50 | 8.85 | 7.01 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.19 | 0.19 | 0.13 | 0.16 | (0.03) | (0.29) | 0.07 | 0.20 | 0.23 | 0.19 |
Cash ROIC |
6.06% | 6.11% | 3.43% | 5.61% | 4.78% | 4.87% | 1.89% | 6.68% | 5.35% | 4.81% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.00 | 0.01 | 0.02 | 0.03 | 0.02 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
123,700.91 | 107,477.25 | 76,177.14 | 47,301.90 | 78,825.24 | 91,608.25 | 59,951.99 | 19,035.17 | 13,028.09 | 15,354.72 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
1,086.57 | 1,163.01 | 1,392.41 | 1,629.33 | 1,934.08 | 2,303.05 | 2,518.34 | 2,802.51 | 3,098.45 | 3,339.17 |
Average Assets |
1,346.15 | 1,451.56 | 1,832.41 | 2,224.26 | 2,539.21 | 2,890.88 | 3,326.18 | 3,750.43 | 3,979.94 | 4,217.46 |
Average Common Equity |
110.78 | 142.88 | 228.32 | 309.83 | 340.12 | 352.66 | 345.02 | 353.42 | 380.25 | 465.99 |
Columns are period end dates