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Civista Bancshares, Inc. (CIVB)
Financial Services · Banks - Regional · NasdaqCM
Civista Bancshares, Inc. revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $13.30M | $13.64M | $15.31M | $17.78M | $16.95M | $19.64M | $137.03M | $160.24M | $151.91M | $169.82M |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $17.22M | $15.87M | $14.14M | $33.88M | $32.19M | $40.55M | $39.43M | $42.96M | $31.68M | $46.21M |
| Net margin | 129.4% | 116.4% | 92.3% | 190.5% | 190.0% | 206.5% | 28.8% | 26.8% | 20.9% | 27.2% |
Source: Civista Bancshares, Inc. SEC filings (10-K). 16 years of history available in the interactive view.
What growth is priced into CIVB stock?
At today's market cap of $554.08M, Civista Bancshares, Inc. is priced for free-cash-flow growth of about 2% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $42.12M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 6.5%/yr over the last five fiscal years and revenue 58.6%/yr, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 16 years of Civista Bancshares, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Civista Bancshares, Inc. financial history by metric
About Civista Bancshares, Inc.
Civista Bancshares, Inc. operates as the financial holding company for Civista Bank that provides banking services in the United States. The company offers personal and commercial checking accounts; retirement, money market, time, and savings accounts; safe deposit boxes; wire transfers; and automated teller services. It also provides internet banking; ACH origination; telephone banking; and mobile/digital banking services, as well as remote deposit capture banking services for retail and business customers. In addition, the company offers time deposits that consist of certificates of deposit, including those held in IRA accounts and reciprocal deposits. Further, its loan portfolio includes commercial and agriculture; commercial real estate owner and non-owner occupied; residential and farm real estate; real estate construction; lease financing receivable; consumer; and other loans, as well as home equity line of credit. Additionally, the company holds and manages securities portfolio; leases general equipment; and provides captive insurance products and investment advisory services. It operates in North Central, West Central, South Western Ohio, South Eastern Indiana, and Northern Kentucky. The company was formerly known as First Citizens Banc Corp and changed its name to Civista Bancshares, Inc. in May 2015. Civista Bancshares, Inc. was founded in 1884 and is headquartered in Sandusky, Ohio.
Civista Bancshares, Inc. — frequently asked questions
What is Civista Bancshares, Inc.'s revenue?
Civista Bancshares, Inc. (CIVB) reported revenue of $169.82M for fiscal year 2025, up 11.8% from the prior year, according to its SEC filings.
Is Civista Bancshares, Inc. profitable?
Yes. CIVB earned net income of $46.21M in fiscal 2025, a net margin of 27.2%.
What is CIVB's P/E ratio?
Civista Bancshares, Inc. trades at a price-to-earnings ratio of about 9.9 based on the latest data in our nightly-refreshed cache.
How fast is Civista Bancshares, Inc. growing?
CIVB's revenue grew at roughly 58.6% per year over the last five fiscal years (compound annual growth rate), computed from SEC-filed statements.
How much debt does Civista Bancshares, Inc. have?
As of fiscal year 2025, CIVB carried roughly $284.18M in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Civista Bancshares, Inc.'s market cap?
Civista Bancshares, Inc. (CIVB) has a market capitalization of about $554.08M, based on the latest data in our nightly-refreshed cache.
When does Civista Bancshares, Inc.'s fiscal year end?
CIVB's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into CIVB stock?
At today's market cap of $554.08M, Civista Bancshares, Inc. is priced for free-cash-flow growth of about 2% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $42.12M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 6.5%/yr over the last five fiscal years and revenue 58.6%/yr, computed from its SEC filings.
Where does this data come from?
All figures are computed from Civista Bancshares, Inc.'s official SEC filings (10-K and 10-Q), covering 16 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.