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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 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
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.03
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy 1 — — — — — — — — — 1 —
Sell — — — — — — — — — — — —
Insider Ownership 1.87%

Capital & Financial Ratios $m

Market Cap 558.04
Revenue 261.29
Net Income 46.21
Free Cash Flow 57.13
Net Debt 169.76
Current Ratio 0.95
Debt/Equity 0.41
P/E ratio 9.94
Fwd P/E 9.40
P/S ratio 2.13
P/B ratio 0.98
Past 5Y EPS Growth 5.71%
This Y EPS Growth 1.79%
Next Y EPS Growth 3.11%
Next Y revenue growth (24.18%) (below 0%: weak)
Next 5Y EPS Growth 4.07%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 60.86%
10-year low 10-year high
P/S against its own 10 years 46.74%
10-year low 10-year high
P/B against its own 10 years 52.97%
10-year low 10-year high

Dividends

Payout Ratio 0.26
Annual Dividend Rate 0.71
Annual Dividend Yield 2.64%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 0.72
0.18
0.18
0.18
2025 0.68
0.17
0.17
0.17
0.17
2024 0.64
0.16
0.16
0.16
0.16
2023 0.61
0.14
0.15
0.16
0.16
2022 0.56
0.14
0.14
0.14
0.14
2021 0.52
0.12
0.12
0.14
0.14
2020 0.44
0.11
0.11
0.11
0.11
2019 0.42
0.09
0.11
0.11
0.11
2018 0.32
0.07
0.07
0.09
0.09
2017 0.25
0.06
0.06
0.06
0.07
2016 0.22
0.05
0.05
0.06
0.06
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 60 63 77 62
Receivables — — — —
Inventory — — — —
Other — — — —
2,900 3,119 3,327 3,298
2023 2024 2025 Q'26
Payables 2,985 3,212 3,466 3,458
ST’ Debt — — — —
Other — — — —
3,023 3,247 3,503 3,489

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%

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 — — —
’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 — — —
’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.

EPS $

Mar Jun Sep Dec Year
’26 0.72 0.69 — — —
’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.

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 9.75 18.59 15.55 16.93 11.25 16.46 20.10 14.02 13.60 17.47

Analyst estimates 2026–2028

Powerpack
High 19.99 23.76 25.88 24.31 24.32 25.94 25.87 22.67 23.70 25.59
People
People Employees 337 350 432 457 459 441 530 532 527 526
Revenue/emp, $m 0.21 0.21 0.21 0.26 0.28 0.31 0.29 0.41 0.46 0.48
Income, $m
Income, $m Revenue 70 75 92 120 128 137 155 220 244 255
Gross margin, % 95.25 94.54 91.75 89.25 92.08 92.95 89.72 73.97 63.19 67.68
EBT 24 22 17 40 37 48 47 51 37 55
EBT margin, % 34.20 29.67 18.28 32.83 29.00 35.44 30.30 23.02 14.96 21.66
Net income 17 16 14 34 32 41 39 43 32 46
Depreciation 3 3 3 4 (1) (6) 5 12 11 8
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
Earnings 1.96 1.48 1.10 2.12 2.00 2.63 2.60 2.73 2.01 2.64
Cash flow 2.21 2.10 1.64 2.49 2.03 2.66 1.68 4.14 3.13 2.48
Capex (0.30) (0.09) (0.02) (0.20) (0.12) (0.12) (0.42) (0.23) 0.00 0.01
Free cash flow 1.91 2.01 1.62 2.28 1.91 2.53 1.26 3.91 3.14 2.50
Book value 17.18 18.62 24.97 21.14 21.77 23.15 22.37 24.55 25.24 31.20
Shares, m 8 10 12 16 16 15 15 15 15 17
Valuation, ×
Valuation, × P/E 9.81 14.82 16.13 11.32 8.77 9.24 8.31 6.71 10.42 8.35
P/S 2.22 2.90 2.27 3.11 2.20 2.74 2.08 1.27 1.32 1.52
P/B 1.30 1.30 0.72 1.14 0.81 1.05 0.96 0.75 0.83 0.71
EV/Sales 2.81 3.71 4.23 4.83 2.34 2.12 5.78 3.06 2.91 2.33
EV/FCF 12.84 13.94 20.10 16.35 9.75 7.44 47.57 11.34 14.73 13.65
Cash, $m
Cash, $m Operating cash flow 18 21 20 39 33 41 25 63 48 43
Capex (2) (1) 0 (3) (2) (2) (6) (3) 0 0
Free cash flow 15 20 19 36 31 39 19 59 48 44
Balance, $m
Balance, $m Working capital (77) (41) (18) 38 (57) (223) 5 (123) (129) (176)
Total debt 78 101 223 256 154 179 618 454 451 284
Net debt 41 61 180 207 17 (86) 575 394 388 207
Shareholders’ equity 138 184 299 330 350 355 335 372 389 543
Returns, %
Returns, % ROA 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
ROE 14.19 10.24 5.77 10.73 9.44 11.45 11.28 11.71 8.16 9.88
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
KRNY Kearny Financial $585.0M 15.7× 10.6× +2.23% (above 0%: growing) 0.00% +72.16% (above 0%: growing) 52.34% 0.00% Compare
GCBC Greene County Bancorp, Inc. $583.1M 14.3× — +7.97% (above 0%: growing) +21.82% (above 0%: growing) +40.48% (above 0%: growing) 67.04% 0.00% Compare
BWB Bridgewater Bancshares, Inc. $568.0M 10.9× 9.5× +2.96% (above 0%: growing) +23.68% (above 0%: growing) +287.44% (above 0%: growing) 54.53% 0.00% Compare
SFST Southern First Bancshares, Inc. $566.3M 12.6× 11.5× +10.76% (above 0%: growing) +50.62% (above 0%: growing) +66.02% (above 0%: growing) 58.21% 0.00% Compare
UNTY Unity Bancorp, Inc. $563.0M 9.6× 9.5× +0.29% (above 0%: growing) −12.20% (below 0%: shrinking) −57.88% (below 0%: shrinking) 69.50% 0.00% Compare
SUPV Grupo Supervielle S.A. $559.2M — (loss-making) — −1.93% (below 0%: shrinking) −28.57% (below 0%: shrinking) −129.06% (below 0%: shrinking) 64.28% 0.00% Compare
CIVB Civista Bancshares, Inc. $558.0M 9.9× 9.4× +4.29% (above 0%: growing) −2.82% (below 0%: shrinking) +44.49% (above 0%: growing) 72.61% 0.00%
NRIM Northrim BanCorp Inc $543.4M 7.6× 9.5× +3.99% (above 0%: growing) +29.58% (above 0%: growing) +934.70% (above 0%: growing) 84.32% 0.00% Compare
NPB Northpointe Bancshares, Inc. $540.2M 6.6× 6.5× +11.60% (above 0%: growing) +17.31% (above 0%: growing) +105.45% (above 0%: growing) 49.88% 0.00% Compare
Median of peers $564.7M 10.9× 9.5× +3.48% +19.57% +69.09% 61.24% 0.00%

All 323 Banks Regional stocks →

Civista Bancshares, Inc. (CIVB) key facts

  • Strength: Civista Bancshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $255.0 million, up 4.30% from fiscal 2024.
  • Civista Bancshares, Inc. (CIVB) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, CIVB traded at $26.85, a market capitalization of $558.0 million.
  • Civista Bancshares, Inc. pays an annual dividend of $0.71 per share, a yield of 2.64%, with a payout ratio of 26.3%.
  • Return on equity was 9.88% and debt-to-equity 0.41.
  • Its Piotroski F-score is 5 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Civista Bancshares, Inc. (CIVB) Latest News

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stockrow.com/CIVB · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com