Civista Bancshares, Inc.

NASDAQ•CIVB

CEO: Mr. Dennis G. Shaffer

板块: Financial Services

行业: Banks - Regional

上市日期: 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.

联系方式

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

419-625-4121

www.civb.com

市值

$495.78M

市盈率 (TTM)

10.4

15.5

股息率

2.9%

52周最高

$25.59

52周最低

$18.80

52周范围

75%

排名40Top 42.0%

4.1

F-Score

改良版 Piotroski 分析

基于 10 年期基本面

一般 • 4.1 / 9 分

评分区间 (0-9)

8-9: 价值优异

6-7: 基本面强劲

4-5: 整体稳健

0-3: 表现疲弱

数据范围: 2016-2025

财务仪表盘

Q4 2025 数据

营业收入

$65.63M+6.57%

近4季度走势

每股收益

$0.61-3.17%

近4季度走势

自由现金流

-$16.18M+0.00%

近4季度走势

2025 Annual 财报亮点

核心亮点

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%.

关注风险

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.

前瞻展望

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.

同行对比

营业收入 (TTM)

KRNY

$343.87M

-1.6%

CBNK

$303.63M

+25.6%

FBIZ

$279.25M

+6.4%

毛利率 (最新季度)

NFBK

314.9%

+0.0pp

BSRR

79.3%

+0.0pp

CWBC

74.7%

+6.1pp

关键指标

股票代码	市值	市盈率 (TTM)	净资产收益率 (TTM)	负债率
RRBI	$626.41M	14.6	12.3%	0.0%
NFBK	$586.37M	700.8	0.1%	17.2%
UNTY	$543.74M	8.9	17.9%	8.5%

长期趋势

近4季度

营业收入

净利润

经营现金流

4季度营收复合增长率

2.5%

温和增长

4季度净利润复合增长率

6.5%

盈利能力稳步提升

现金流稳定性

75%

现金流波动较大

深度研究

下次财报:2026年4月22日

每股收益:$0.56

营业收入:$45.52M

财务数据

电话会议

财务报告

新闻

利润表

资产负债表

现金流量表

财务比率

变化率

利润表	过去12个月

无数据