CIVBNasdaqState Commercial BanksFiscal year ends December 31
CIVISTA BANCSHARES, INC.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026
$26.69−0.16 (-0.60%)
Close on Oct 19, 2026
- Market cap
- $552.67M
- P/E (TTM)
- 9.9
- Dividend yield
- –
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
242.9%+53.0 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | -0.5% | -8.1% | +2.3% | -11.1% | |
| Net income | +45.9% | +5.4% | +7.5% | +13.7% | |
| EPS, diluted | +31.3% | +0.5% | +5.7% | +8.5% | |
| Free cash flow | -4.4% | +31.1% | +6.5% | +12.4% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 13.1% | 9.5% | 9.9% | |
| Return on assets | 1.3% | 1.3% | 1.1% | |
| Capex to revenue | 18.3% | 11.6% | 6.1% | |
| Diluted shares | 11M | 16M | 17M |
Where the cash went
Fiscal 2021 to 2025, five years combined
Civista Bancshares generated $220.16M from operations and spent $106.40M on capital expenditure, dividends and share buybacks. 16% of that went back into the business.
Generated
$220.16M
Used
$106.40M
Capital expenditure$17.21M16%Dividends$48.03M45%Share buybacks$41.17M39%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin242.9%
×Asset turnover0.00×
×Equity multiplier9.05×
=Return on equity, FY20259.9%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 242.9% | 0.00× | 9.05× | 9.9% |
| FY2024 | 165.7% | 0.00× | 10.47× | 8.3% |
| FY2023 | 141.1% | 0.01× | 10.70× | 12.3% |
| FY2022 | 160.7% | 0.01× | 9.73× | 11.5% |
| FY2021 | 206.5% | 0.01× | 8.20× | 11.5% |
| FY2020 | 190.0% | 0.01× | 7.47× | 9.5% |
| FY2019 | 190.5% | 0.01× | 7.07× | 10.8% |
| FY2018 | 92.3% | 0.01× | 7.58× | 5.9% |
| FY2017 | 116.4% | 0.01× | 9.01× | 9.9% |
| FY2016 | 129.4% | 0.01× | 10.25× | 13.1% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
3of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$46.21M
- Cash generatingOperating cash flow above zero$43.27M
- Return on assets improvedROA up on the prior year0.8% → 1.1%
- Earnings backed by cashOperating cash flow above net income$43.27M vs $46.21M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise15M → 17M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.00 → 0.00