Civista Bancshares, Inc. (CIVB) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Civista Bancshares reported revenue of $172.6M, up 11.7% from $154.5M the year before. Net income was $46.2M (a 26.8% net margin), or $2.64 per diluted share. Net interest income was $138.6M, and the efficiency ratio (noninterest expense / revenue) was 66.0%. Operating activities generated $43.3M of cash, leaving $42.1M of free cash flow. At fiscal year end, Civista Bancshares held $4.34B in total assets against $3.79B in total liabilities.
Open the full interactive Civista Bancshares financials → Quarterly statements, key ratios, valuation history and price charts.
Civista Bancshares Key Stats
| Share Price | $26.68 |
|---|---|
| Market Cap | $552.5M |
| P/E Ratio | 10.1 |
| Revenue YoY Growth | +11.7% |
| 52-Week Range | $19.41 – $29.12 |
| Shares Outstanding | 20.7 million (basic, 2026 Q2) |
Civista Bancshares Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $89.7M | $95.4M | $110.2M | $125.5M | $116.7M | $138.6M |
| Provision for Credit Losses | $10.1M | $830,000 | $1.8M | $4.4M | $5.9M | $3.5M |
| Noninterest Income | $28.2M | $31.5M | $29.1M | $37.2M | $37.7M | $34.0M |
| Noninterest Expense | $70.7M | $78.5M | $90.5M | $107.6M | $112.5M | $113.9M |
| Revenue | $117.9M | $126.9M | $139.3M | $162.7M | $154.5M | $172.6M |
| Pre-Tax Income | $37.1M | $47.6M | $47.0M | $50.6M | $36.6M | $55.2M |
| Income Tax | $4.9M | $7.0M | $7.6M | $7.6M | $4.9M | $9.0M |
| Net Income | $32.2M | $40.5M | $39.4M | $43.0M | $31.7M | $46.2M |
| Diluted EPS | $2.00 | $2.63 | $2.60 | $2.73 | $2.01 | $2.64 |
Civista Bancshares Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $44.2M | $46.3M | $47.3M | $47.6M |
| Net Income | $12.8M | $12.3M | $15.0M | $14.3M |
| Diluted EPS | $0.68 | $0.70 | $0.72 | $0.69 |
Civista Bancshares Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Loans (Net) | $2.03B | $1.97B | $2.52B | $2.82B | — | — |
| Total Assets | $2.76B | $3.01B | $3.54B | $3.86B | $4.10B | $4.34B |
| Deposits | $2.19B | $2.42B | $2.62B | $2.99B | $3.21B | $3.47B |
| Total Long-Term Debt | $154.4M | $177.8M | $122.9M | $116.2M | $111.9M | $109.2M |
| Total Liabilities | $2.41B | $2.66B | $3.20B | $3.49B | $3.71B | $3.79B |
| Shareholders' Equity | $350.1M | $355.2M | $334.8M | $372.0M | $388.5M | $543.5M |
Civista Bancshares Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $32.2M | $40.8M | $25.2M | $62.7M | $48.2M | $43.3M |
| Cash From Investing | -$340.0M | -$130.5M | -$410.4M | -$311.8M | -$258.8M | $55.6M |
| Cash From Financing | $398.8M | $216.9M | $164.3M | $266.1M | $213.3M | -$84.7M |
| Free Cash Flow | $30.2M | $38.8M | $18.7M | $59.3M | $44.1M | $42.1M |
Figures from Civista Bancshares' 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Civista Bancshares financials page for every line item.
Civista Bancshares Company Profile
| Ticker | CIVB |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Sandusky, Ohio |
| Incorporated in | Ohio |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer |
| SEC CIK | 0000944745 |
Frequently Asked Questions
What was Civista Bancshares' revenue in fiscal 2025?
Civista Bancshares (CIVB) reported revenue of $172.6M for fiscal 2025.
What is Civista Bancshares' annual revenue history?
Civista Bancshares' annual revenue by fiscal year: 2020: $117.9M; 2021: $126.9M; 2022: $139.3M; 2023: $162.7M; 2024: $154.5M; 2025: $172.6M.
What was Civista Bancshares' net income in fiscal 2025?
Civista Bancshares reported net income of $46.2M for fiscal 2025.
What was Civista Bancshares' earnings per share (EPS) in fiscal 2025?
Civista Bancshares' diluted EPS was $2.64 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Civista Bancshares generate in fiscal 2025?
Civista Bancshares generated $42.1M of free cash flow in fiscal 2025.
What was Civista Bancshares' revenue last quarter?
In its most recent reported quarter (2026 Q2), Civista Bancshares reported revenue of $47.6M.
How much debt does Civista Bancshares have?
Civista Bancshares reported $109.2M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Civista Bancshares are outstanding?
Civista Bancshares reported a weighted average of 20.7 million basic shares outstanding in 2026 Q2.
What is Civista Bancshares' market cap?
Based on its latest closing price, Civista Bancshares (CIVB) has a market capitalization of about $552.5M.
When does Civista Bancshares' fiscal year end?
Civista Bancshares' fiscal year end, as registered with the SEC, is December 31.
Where is Civista Bancshares headquartered?
Civista Bancshares lists its business address in Sandusky, Ohio in its SEC filings.