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 0.00 0.00%
Market cap
$558.0M
P/E
9.9×
Fwd P/E
9.4×
Dividend yield
2.64%
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Older periods Sep '25 Dec '25 Mar '26 Jun '26
P/E ratio

+8 more quarters

7.58 8.35 8.38 10.45
P/S ratio
1.52 1.52 1.82 2.24
P/FCF ratio
6.90 8.90 9.09 10.23
P/Operating CF
20.10 40.27 38.74 34.16
P/B ratio
0.76 0.71 0.85 1.03
Price to Tangible BV
1.04 0.97 1.15 1.38
EV/Sales
2.62 2.33 2.31 2.89
EV/EBITDA
0.00 0.00 0.00 0.00
EV/Operating CF
11.78 13.73 11.52 13.03
EV/FCF
11.95 13.65 11.50 13.20
Quick Ratio
0.02 0.02 0.02 0.02
Current Ratio
0.96 0.95 0.93 0.95
Net Debt/EBITDA
0.00 0.00 0.00 0.00
Debt/Assets
8.31% 6.55% 4.85% 5.39%
Debt/Equity
0.69 0.52 0.38 0.41
Asset Turnover
0.06 0.06 0.06 0.06
Operating CF/Net income
1.49 0.79 0.81 1.20
Capex/Depreciation
0.00 0.00 0.00 0.00
Research and Development Expense of Revenue
0.00% 0.00% 0.00% 0.00%
Selling, General and Administrative Expense of Revenue
43.48% 47.26% 43.76% 45.35%
Intangible Assets out of Total Assets
0.03 0.03 0.03 0.03
Share Based Compensation of Revenue
0.00% 0.00% 0.00% 0.00%
Graham Net Nets
(1.24) (1.20) (0.96) (0.73)
Graham Number
40.04 43.21 40.40 40.78
Earnings Yield
13.20% 11.97% 11.94% 9.57%
Free Cash Flow Yield
14.50% 11.24% 11.00% 9.78%
Revenue per Share
3.46 3.77 3.15 3.17
Operating CF per Share
1.01 0.55 0.59 0.83
Capex per Share
(0.08) 0.07 (0.02) 0.00
Free Cash Flow per Share
0.93 0.62 0.57 0.82
Cash per Share
3.34 4.44 4.03 2.98
Shareholders Equity per Share
26.59 31.20 26.67 27.37
Interest Debt per Share
0.00 0.00 0.00 0.00
Book value per Share
26.59 31.20 26.67 27.37
Free Cash Flow
17.50 10.78 11.83 17.01
Working Capital
(125.61) (176.09) (237.24) (191.14)
Capital Expenditures
(1.47) 1.17 (0.35) (0.09)
Net Current Asset Value
(473.72) (466.02) (451.71) (429.22)
EV/EBIT
0.00 0.00 0.00 0.00
Capex to Sales
0.02 (0.02) 0.01 0.00
Price to Operating Income
7.35 7.01 7.70 8.91
Other line items
Average Payables
3,227.10 3,339.17 3,370.39 3,327.23
Average Assets
4,087.38 4,217.46 4,222.52 4,240.08
Average Common Equity
446.73 465.99 474.84 485.46

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Columns are period end dates