What is Civista Bancshar's earnings per share (EPS)?

Civista Bancshar (CIVB) reported diluted earnings per share of $2.64 for fiscal year 2025. This represents a 31.3% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Civista Bancshar Financials

CIVB

Source SEC Filings (10-K/10-Q) Updated Dec 31, 2025 Currency USD FYE December

This page shows Civista Bancshar (CIVB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 41/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Civista Bancshar's revenue declined 0.5% year-over-year, from $19.1M to $19.0M. This contraction results in a growth score of 32/100.

Leverage

Civista Bancshar has elevated debt relative to equity (D/E of 6.98), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

100

Civista Bancshar converts 221.4% of revenue into free cash flow ($42.1M). This strong cash generation earns a score of 100/100.

Returns

Civista Bancshar's ROE of 8.5% shows moderate profitability relative to equity, earning a score of 30/100. This is up from 8.2% the prior year.

Piotroski F-Score Weak

3/9

Civista Bancshar passes 3 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.

Earnings Quality Mixed

0.94x

For every $1 of reported earnings, Civista Bancshar generates $0.94 in operating cash flow ($43.3M OCF vs $46.2M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

$19.0M

YoY-0.5%

5Y CAGR+2.3%

10Y CAGR-9.3%

Civista Bancshar generated $19.0M in revenue in fiscal year 2025. This represents a decrease of 0.5% from the prior year.

EBITDA

N/A

Net Income

$46.2M

YoY+45.9%

5Y CAGR+7.5%

10Y CAGR+13.7%

Civista Bancshar reported $46.2M in net income in fiscal year 2025. This represents an increase of 45.9% from the prior year.

EPS (Diluted)

$2.64

YoY+31.3%

5Y CAGR+5.7%

10Y CAGR+8.5%

Civista Bancshar earned $2.64 per diluted share (EPS) in fiscal year 2025. This represents an increase of 31.3% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$42.1M

YoY-4.4%

5Y CAGR+6.5%

10Y CAGR+12.4%

Civista Bancshar generated $42.1M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 4.4% from the prior year.

Cash & Debt

$77.3M

YoY+22.4%

5Y CAGR-10.8%

Civista Bancshar held $77.3M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

N/A

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

242.9%

YoY+77.3pp

5Y CAGR+53.0pp

10Y CAGR+217.8pp

Civista Bancshar's net profit margin was 242.9% in fiscal year 2025, showing the share of revenue converted to profit. This is up 77.3 percentage points from the prior year.

Return on Equity

8.5%

YoY+0.3pp

5Y CAGR-0.7pp

10Y CAGR-1.7pp

Civista Bancshar's ROE was 8.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.3 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$178K

YoY+8.5%

5Y CAGR-57.9%

Civista Bancshar spent $178K on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 8.5% from the prior year.

Capital Expenditures

$1.2M

YoY-72.3%

5Y CAGR-10.1%

10Y CAGR-5.3%

Civista Bancshar invested $1.2M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 72.3% from the prior year.

CIVB Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$19.0M-0.5%	$19.1M-37.2%	$30.4M+24.1%	$24.5M+25.0%	$19.6M+15.9%	$16.9M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$82.4M-8.4%	$90.0M+57.2%	$57.2M+258.8%	$16.0M+65.7%	$9.6M-5.0%	$10.1M
Income Tax	$9.0M+84.5%	$4.9M-36.1%	$7.6M+0.5%	$7.6M-2.9%	$7.8M+58.6%	$4.9M
Net Income	$46.2M+45.9%	$31.7M-26.3%	$43.0M+9.0%	$39.4M-2.8%	$40.5M+26.0%	$32.2M
EPS (Diluted)	$2.64+31.3%	$2.01-26.4%	$2.73+5.0%	$2.60-1.1%	$2.63+31.5%	$2.00

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$2.9M-52.4%	$6.2M+21.0%	$5.1M+6.5%	$4.8M+94.3%	$2.5M-52.5%	$5.2M-10.3%	$5.8M+2.1%	$5.7M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$19.3M-6.8%	$20.7M-3.6%	$21.5M+2.4%	$21.0M-4.2%	$21.9M-6.9%	$23.5M+2.9%	$22.8M+5.0%	$21.8M
Income Tax	$2.5M-14.3%	$2.9M+53.7%	$1.9M+6.2%	$1.8M+19.3%	$1.5M-4.3%	$1.6M+52.1%	$1.0M+22.2%	$835K
Net Income	$12.3M-3.8%	$12.8M+15.8%	$11.0M+8.3%	$10.2M+2.8%	$9.9M+18.3%	$8.4M+18.4%	$7.1M+11.1%	$6.4M
EPS (Diluted)	N/A	$0.68-4.2%	$0.71+7.6%	$0.66	N/A	$0.53+17.8%	$0.45+9.8%	$0.41

CIVB Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$4.3B+5.8%	$4.1B+6.1%	$3.9B+6.1%	$3.6B+20.8%	$3.0B+8.8%	$2.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$77.3M+22.4%	$63.2M+4.6%	$60.4M+39.3%	$43.4M-83.6%	$264.2M+92.8%	$137.0M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$130.4M+3.9%	$125.5M0.0%	$125.5M-0.1%	$125.7M+63.6%	$76.9M0.0%	$76.9M
Total Liabilities	$3.8B+2.2%	$3.7B+6.3%	$3.5B+5.6%	$3.3B+24.3%	$2.7B+9.9%	$2.4B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$543.5M+39.9%	$388.5M+4.4%	$372.0M+13.2%	$328.8M-7.4%	$355.2M+1.5%	$350.1M
Retained Earnings	$239.8M+16.7%	$205.4M+11.8%	$183.8M+17.4%	$156.5M+24.6%	$125.6M+34.9%	$93.0M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$4.3B+5.4%	$4.1B-1.7%	$4.2B+0.9%	$4.1B+1.2%	$4.1B+0.9%	$4.1B+1.2%	$4.0B+3.4%	$3.9B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$77.3M+23.2%	$62.8M-15.0%	$73.9M-18.3%	$90.5M+43.2%	$63.2M-15.4%	$74.7M+33.9%	$55.8M+10.8%	$50.3M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$130.4M+3.9%	$125.5M0.0%	$125.5M0.0%	$125.5M0.0%	$125.5M0.0%	$125.5M0.0%	$125.5M0.0%	$125.5M
Total Liabilities	$3.8B+4.9%	$3.6B-4.4%	$3.8B+0.9%	$3.7B+1.1%	$3.7B+1.2%	$3.7B+0.8%	$3.6B+3.6%	$3.5B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$543.5M+8.9%	$499.0M+23.5%	$404.1M+1.7%	$397.4M+2.3%	$388.5M-1.5%	$394.4M+5.5%	$373.8M+1.1%	$369.7M
Retained Earnings	$239.8M+3.9%	$230.8M+4.3%	$221.3M+3.9%	$212.9M+3.7%	$205.4M+3.7%	$198.0M+3.0%	$192.2M+2.4%	$187.6M

CIVB Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$43.3M-10.3%	$48.2M-23.1%	$62.7M+149.0%	$25.2M-38.2%	$40.8M+24.8%	$32.7M
Capital Expenditures	$1.2M-72.3%	$4.2M+22.1%	$3.4M-47.3%	$6.5M+237.7%	$1.9M-2.3%	$2.0M
Free Cash Flow	$42.1M-4.4%	$44.1M-25.7%	$59.3M+217.4%	$18.7M-51.9%	$38.8M+26.6%	$30.7M
Investing Cash Flow	$55.6M+121.5%	-$258.8M+17.0%	-$311.8M+24.0%	-$410.4M-214.5%	-$130.5M+61.7%	-$341.0M
Financing Cash Flow	-$84.7M-139.7%	$213.3M-19.8%	$266.1M+62.0%	$164.3M-24.3%	$216.9M-45.6%	$398.8M
Dividends Paid	$11.8M+17.6%	$10.1M+4.8%	$9.6M+13.0%	$8.5M+5.7%	$8.0M+12.9%	$7.1M
Share Buybacks	$178K+8.5%	$164K-89.9%	$1.6M-90.4%	$16.9M-24.3%	$22.3M+65.8%	$13.5M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$9.6M-49.3%	$19.0M+71.2%	$11.1M+206.8%	$3.6M-83.9%	$22.4M+73.5%	$12.9M+5.8%	$12.2M+1521.4%	$752K
Capital Expenditures	N/A	N/A	N/A	$161K	N/A	N/A	N/A	$123K
Free Cash Flow	N/A	N/A	N/A	$3.5M	N/A	N/A	N/A	$629K
Investing Cash Flow	$66.0M+0.7%	$65.6M+219.6%	-$54.8M-158.3%	-$21.2M+70.3%	-$71.5M-210.1%	-$23.1M+82.3%	-$130.1M-280.6%	-$34.2M
Financing Cash Flow	-$61.1M+36.1%	-$95.7M-452.2%	$27.2M-39.5%	$44.9M+19.5%	$37.6M+29.4%	$29.1M-76.4%	$123.3M+428.8%	$23.3M
Dividends Paid	$3.3M0.0%	$3.3M+24.5%	$2.6M+0.2%	$2.6M+4.5%	$2.5M0.0%	$2.5M+0.1%	$2.5M+0.2%	$2.5M
Share Buybacks	$4K-42.9%	$7K	$0-100.0%	$167K	$0-100.0%	$12K	$0-100.0%	$152K

CIVB Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	242.9%+77.3pp	165.7%+24.6pp	141.1%-19.6pp	160.7%-45.8pp	206.5%+16.5pp	190.0%
Return on Equity	8.5%+0.3pp	8.2%-3.4pp	11.6%-0.4pp	12.0%+0.6pp	11.4%+2.2pp	9.2%
Return on Assets	1.1%+0.3pp	0.8%-0.3pp	1.1%+0.0pp	1.1%-0.3pp	1.4%+0.2pp	1.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	6.98-2.6	9.55+0.2	9.38-0.7	10.05+2.6	7.48+0.6	6.91
FCF Margin	221.4%-9.0pp	230.4%+35.7pp	194.7%+118.6pp	76.1%-121.7pp	197.8%+16.7pp	181.1%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	417.3%+210.9pp	206.4%-9.2pp	215.7%+3.6pp	212.0%-188.8pp	400.8%+239.8pp	161.1%+39.1pp	122.0%+9.9pp	112.1%
Return on Equity	2.3%-0.3pp	2.6%-0.2pp	2.7%+0.2pp	2.6%+0.0pp	2.5%+0.4pp	2.1%+0.2pp	1.9%+0.2pp	1.7%
Return on Assets	0.3%-0.0pp	0.3%+0.1pp	0.3%0.0pp	0.3%+0.0pp	0.2%+0.0pp	0.2%+0.0pp	0.2%+0.0pp	0.2%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	6.98-0.3	7.24-2.1	9.36-0.1	9.43-0.1	9.55+0.3	9.30-0.4	9.73+0.2	9.50
FCF Margin	N/A	N/A	N/A	72.0%	N/A	N/A	N/A	11.1%

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Frequently Asked Questions

What is Civista Bancshar's annual revenue?

Civista Bancshar (CIVB) reported $19.0M in total revenue for fiscal year 2025. This represents a -0.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Civista Bancshar's revenue growing?

Civista Bancshar (CIVB) revenue declined by 0.5% year-over-year, from $19.1M to $19.0M in fiscal year 2025.

Is Civista Bancshar profitable?

Yes, Civista Bancshar (CIVB) reported a net income of $46.2M in fiscal year 2025, with a net profit margin of 242.9%.

What is Civista Bancshar's net profit margin?

Civista Bancshar (CIVB) had a net profit margin of 242.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

What is Civista Bancshar's return on equity (ROE)?

Civista Bancshar (CIVB) has a return on equity of 8.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Civista Bancshar's free cash flow?

Civista Bancshar (CIVB) generated $42.1M in free cash flow during fiscal year 2025. This represents a -4.4% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Civista Bancshar's operating cash flow?

Civista Bancshar (CIVB) generated $43.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Civista Bancshar's total assets?

Civista Bancshar (CIVB) had $4.3B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Civista Bancshar's capital expenditures?

Civista Bancshar (CIVB) invested $1.2M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Civista Bancshar buy back shares?

Yes, Civista Bancshar (CIVB) spent $178K on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

What is Civista Bancshar's debt-to-equity ratio?

Civista Bancshar (CIVB) had a debt-to-equity ratio of 6.98 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Civista Bancshar's return on assets (ROA)?

Civista Bancshar (CIVB) had a return on assets of 1.1% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Civista Bancshar's Piotroski F-Score?

Civista Bancshar (CIVB) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Civista Bancshar's earnings high quality?

Civista Bancshar (CIVB) has an earnings quality ratio of 0.94x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Civista Bancshar?

Civista Bancshar (CIVB) scores 41 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.