Civista Bancshares, Inc.

NASDAQ•CIVB

CEO: Mr. Dennis G. Shaffer

Sector: Financial Services

Industry: Banks - Regional

Listing Date: 1994-04-06

Civista Bancshares, Inc. operates as the financial holding company for Civista Bank that provides community banking services. It collects a range of customer deposits; and offers commercial and agriculture, commercial and residential real estate, farm real estate, real estate construction, consumer, and other loans, as well as letters of credit. The company also holds and manages securities portfolio; leases general equipment; and provides captive insurance products. 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.

Contact Information

100 East Water Street, PO Box 5016, Sandusky, OH, 44870-2514, United States

419-625-4121

www.civb.com

Market Cap

$497.85M

P/E (TTM)

10.5

15.4

Dividend Yield

2.9%

52W High

$25.59

52W Low

$18.35

52W Range

78%

Rank40Top 42.0%

4.1

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Average • 4.1 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$65.63M+6.57%

4-Quarter Trend

EPS

$0.61-3.17%

4-Quarter Trend

FCF

-$16.18M+0.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Net Income and NII Growth Net income rose significantly to $46.2M in 2025; Net Interest Income increased 18.7% to $138.6M.

FSB Acquisition Completed Acquired Farmers Savings Bank in November 2025, adding $268.1M in assets and two Ohio branches.

Strong Capital Position Civista CET1 ratio reached 15.8% in 2025, significantly exceeding regulatory minimums; liquidity remains robust.

Asset Quality Improvement Non-performing loan ratio improved to 0.94% from 1.00% in 2024; net charge-offs were low at 0.10%.

Risk Factors

Economic Sensitivity Risks Adverse local/national economic shifts, inflation, or interest rate volatility could impair loan repayment ability and collateral values.

Interest Rate Risk Exposure Results are sensitive to interest rate changes; rising deposit costs relative to loan yields could compress Net Interest Income.

Cybersecurity and Operational Threats Heavy reliance on IT systems for operations creates exposure to sophisticated cyber-attacks, data breaches, and service disruptions.

Competition and Growth Pressures Intense competition in lending and deposit gathering requires continuous rate adjustments, potentially affecting net interest margin.

Outlook

Focus on Core Deposit Growth Strategy emphasizes relationship banking to grow commercial and retail non-maturity deposits, aiming for stickier accounts.

Mortgage Banking Leverage Plan to leverage mortgage banking infrastructure to originate residential loans for sale into the secondary market for non-interest income.

Maintain Capital and Liquidity Management intends to continue maintaining robust capital reserves and significant on- and off-balance sheet liquidity sources.

FSB Integration Ongoing Integration activities following the FSB acquisition, including technology conversions, are ongoing and expected to complete in Q1 2026.

Peer Comparison

Revenue (TTM)

KRNY

$343.87M

-1.6%

CBNK

$303.63M

+25.6%

FBIZ

$279.25M

+6.4%

Gross Margin (Latest Quarter)

NFBK

314.9%

+0.0pp

BSRR

79.3%

+0.0pp

CBNK

76.6%

+6.5pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
RRBI	$617.01M	14.4	12.3%	0.0%
NFBK	$580.52M	693.8	0.1%	17.2%
UNTY	$564.62M	9.7	17.8%	9.0%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

2.5%

Moderate Growth

4Q Net Income CAGR

6.5%

Profitability Improving

Cash Flow Stability

75%

Volatile Cash Flow

Deep Research

Next earnings:Apr 22, 2026

EPS:$0.56

Revenue:$45.52M

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data