Civista Bancshares, Inc.

NASDAQ•CIVB

CEO: Mr. Dennis G. Shaffer

セクター: Financial Services

業種: Banks - Regional

上場日: 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.

連絡先情報

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

419-625-4121

www.civb.com

時価総額

$497.85M

PER (TTM)

10.5

15.4

配当利回り

2.9%

52週高値

$25.59

52週安値

$18.35

52週レンジ

78%

順位40Top 42.0%

4.1

F-Score

改良版 Piotroski 分析

10年ファンダメンタル

堅調 • 4.1 / 9 ポイント

スコアレンジ (0-9)

8-9: 価値が優れている

6-7: 基礎体質が強い

4-5: 全体的に堅調

0-3: パフォーマンスが弱い

データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$65.63M+6.57%

直近4四半期の推移

EPS

$0.61-3.17%

直近4四半期の推移

フリーCF

-$16.18M+0.00%

直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

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%.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

KRNY

$343.87M

-1.6%

CBNK

$303.63M

+25.6%

FBIZ

$279.25M

+6.4%

粗利益率 (最新四半期)

NFBK

314.9%

+0.0pp

BSRR

79.3%

+0.0pp

CBNK

76.6%

+6.5pp

主要指標

銘柄コード	時価総額	PER (TTM)	ROE (TTM)	負債比率
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%

長期トレンド

直近4四半期

売上高

純利益

営業キャッシュフロー

4四半期売上高CAGR

2.5%

緩やかな成長

4四半期純利益CAGR

6.5%

収益性の着実な向上

キャッシュフロー安定性

75%

キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年4月22日

EPS:$0.56

売上高:$45.52M

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし