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
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
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)
$343.87M
$303.63M
$279.25M
Gross Margin (Latest Quarter)
314.9%
79.3%
76.6%
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