Civista Bancshares, Inc.

NASDAQ•CIVB

執行長: Mr. Dennis G. Shaffer

板塊: Financial Services

行業: 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.

聯絡資訊

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

419-625-4121

www.civb.com

市值

$461.36M

本益比 (TTM)

9.7

14.5

股息率

3.1%

52周最高

$25.59

52周最低

$17.47

52周範圍

59%

排名40Top 42.0%

4.1

F-Score

改良版 Piotroski 分析

基於 10 年期基本面

一般 • 4.1 / 9 分

評分區間 (0-9)

8-9: 價值優異

6-7: 基本面強勁

4-5: 整體穩健

0-3: 表現疲弱

資料區間: 2016-2025

財務儀表板

Q4 2025 數據

營業收入

$65.63M+6.57%

近4季度走勢

每股收益

$0.61-3.17%

近4季度走勢

自由現金流

-$16.18M+0.00%

近4季度走勢

2025 Annual 財報亮點

核心亮點

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%.

關注風險

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.

未來展望

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.

同行對比

營業收入 (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

關鍵指標

股票代碼	市值	本益比 (TTM)	股東權益報酬率 (TTM)	負債率
RRBI	$588.16M	13.5	12.3%	0.0%
NFBK	$541.68M	651.8	0.1%	17.2%
UNTY	$502.07M	8.7	17.8%	9.0%

長期趨勢

近4季度

營業收入

淨利

營運現金流

4季度營業收入複合增長率

2.5%

溫和增長

4季度淨利複合增長率

6.5%

盈利能力逐步提升

現金流穩定性

75%

現金流波動較大

深度研究

下次財報:2026年4月22日

每股收益:-

營業收入:-

財務數據

電話會議

財務報告

新聞

損益表

資產負債表

現金流量表

財務比率

變化率

損益表	過去12個月

無資料