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Civista Bancshares(NASDAQ) CIVB

Market Cap$569.05MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1995)+224%
5 Year+40%
1 Year+37%
1 Month-4%
Premium Feature
Moneyball Superscore
60/100
$27.30
-0.29%
-0.08Today
Civista Bancshares last closing stock price
MetricPriceDate
Last closeUSD 27.382026-08-25
Civista Bancshares stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-3.25%USD 28.302026-08-18
1 month-3.6%USD 28.402026-07-24
3 month+7.41%USD 25.492026-05-27
Year to date+25.81%USD 21.762025-12-31
1 year+36.98%USD 19.992025-08-25
3 year+78.73%USD 15.322023-08-25
5 year+40.06%USD 19.552021-08-26
Since inception+223.82%USD 8.461995-09-12

Civista Bancshares Financials at a Glance

Market Cap

$569.05MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$224.51M

Net Income (TTM)

$54.33M

EPS (TTM)

$2.69

P/E Ratio

10.17

Dividend

$0.71

Beta (Volatility)

0.62 (Low)

Price

$27.30

Volume

49,275.579

Open

$27.43

Previous Close

$27.38

Daily Range

$27.17 - $27.67

52-Week Range

$19.82 - $29.97

Estimated Earnings Date

Oct 22, 2026

CIVB News

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Civista Posts 58% Profit Jump in Q2

Motley Fool Markets TeamJul 24, 2025

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About Civista Bancshares

Civista Bancshares, Inc. helps people and businesses manage money. The bank provides accounts and loans across three states. These services help clients buy homes or grow businesses.

Banking for Your Neighborhood

  • Commercial Lending: Loans for businesses and agricultural operations, including real estate and equipment financing.
  • Residential Real Estate: Mortgages and loans for people buying or building homes.
  • Deposit Services: Checking, savings, and money market accounts for individuals and businesses.
  • Civista Leasing and Finance: Equipment leasing and financing solutions for business customers.
  • Wealth Management: Trust and investment services to help clients manage and grow their assets.

Strategic Moves and Market Growth

  • Acquired The Farmers Savings Bank (FSB) on Nov. 6, 2025, to add assets and branches.
  • Completed technology conversions for the FSB merger in Feb. 2026.
  • Raised approximately $75.7 million through a common share offering in July 2025.
  • Introduced standard bank products to legacy FSB customers in early 2026.

Building Local Financial Ties

Civista operates approximately 42 branch locations to maintain a direct presence in its local markets. The bank uses a diverse mix of commercial, agricultural, and residential lending to serve a wide variety of customers.

Monitoring the Key Figures

  • Net income reached $29.3 million for the six-month period ended June 30, 2026, compared to $21.2 million for the same period in 2025.
  • Total assets were $4.3 billion as of June 30, 2026.
  • Net interest margin for the six-month period ended June 30, 2026 was 3.87%, compared to 3.57% for the same period in 2025.
  • Market capitalization was $586 million in the second quarter of 2026, up 63.7% year over year.
  • Total deposits were $3.5 billion as of June 30, 2026.

Evolution of a Community Bank

Civista has evolved from a local bank into a regional institution through strategic acquisitions and diversified lending. Its focus on community-based service and expanded digital offerings helps it remain competitive.

AI Generated • Aug 7, 2026

Industry

Banks

Sector

Financials

Employees

532

CEO

Dennis G. Shaffer

Website

www.civb.com

Headquarters

Sandusky, OH 44870-2514, US

CIVB Financials

Key Financial Metrics (TTM)

Gross Margin

65.82%

Operating Margin

13.54%

Net Income Margin

24.20%

Return on Equity

10.05%

Return on Capital

6.67%

Return on Assets

1.27%

Earnings Yield

9.83%

Dividend Yield

2.59%

Payout Ratio

25.84%

Stock Overview

Market Cap

$569.05MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

20.78M

Volume

49.28K

Avg. Volume

137.37K

Financials (TTM)

Gross Profit

$147.77M

Operating Income

$30.40M

EBITDA

$30.40M

Operating Cash Flow

$57.87M

Capital Expenditure

-$1.61M

Free Cash Flow

$56.25M

Cash & ST Invst.

$765.10M

Total Debt

$228.38M

Civista Bancshares Performance Analysis

Civista Bancshares annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 155,231,00016.5%
20232023-12-31USD 219,897,00041.7%
20242024-12-31USD 244,443,00011.2%
20252025-12-31USD 254,952,0004.3%
Civista Bancshares sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-302.6%
Q42025-12-312.9%
Q12026-03-31-15.0%
Q22026-06-30-29.6%
Civista Bancshares annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 2.60-1.2%
20232023-12-31USD 2.735.0%
20242024-12-31USD 2.01-26.2%
20252025-12-31USD 2.6431.2%
Civista Bancshares sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30-4.2%
Q42025-12-31-10.3%
Q12026-03-3118.0%
Q22026-06-30-4.2%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$39.28M

-36.8%

Gross Profit

$21.29M

-46.4%

Gross Margin

54.21%

N/A

Market Cap

$569.05MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.04M

N/A

Employees

548

N/A

Net Income

$14.32M

+30.0%

EBITDA

-$8.58M

-164.8%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$765.10M

+6.6%

Total Debt

$228.38M

-58.0%

Accounts Receivable

$0.00

-100.0%

Inventory

$0.00

N/A

Long Term Debt

$104.88M

-5.2%

Short Term Debt

$123.50M

-71.5%

Return on Assets

1.27%

N/A

Return on Invested Capital

4.27%

N/A

Free Cash Flow

$16.71M

+53.9%

Operating Cash Flow

$17.11M

+54.4%

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Questions About CIVB

What is the current price of Civista Bancshares?

Civista Bancshares is trading at $27.29 per share.

What is the 52-week range for Civista Bancshares?

Over the past 52 weeks, Civista Bancshares has traded between $19.82 and $29.97.

How much debt does Civista Bancshares have?

As of the most recent reporting period, Civista Bancshares reported total debt of $234.02M.

How much cash does Civista Bancshares have on hand?

Civista Bancshares does not have cash on hand data available.

What is Civista Bancshares’s dividend yield?

Civista Bancshares currently has a dividend yield of 2.59%.

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