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Civista Bancshares(NASDAQ) CIVB

Market Cap$603.96MMarket 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)+242%
5 Year+48%
1 Year+54%
1 Month+0%
$29.08
+0.62%
+0.18Today
After hours$29.04-$0.04 (-0.14%)
Civista Bancshares last closing stock price
MetricPriceDate
Last closeUSD 29.062026-07-31
Civista Bancshares stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+1.68%USD 28.582026-07-24
1 month+0.21%USD 29.002026-07-01
3 month+16.77%USD 24.892026-05-01
Year to date+32.71%USD 21.902025-12-31
1 year+54%USD 18.872025-07-31
3 year+76.95%USD 16.422023-08-01
5 year+47.94%USD 19.642021-07-30
Since inception+241.57%USD 8.511995-09-12

Civista Bancshares Financials at a Glance

Market Cap

$603.96MMarket 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

10.80

Dividend

$0.70

Beta (Volatility)

0.63 (Low)

Price

$29.08

Volume

111,322.396

Open

$28.80

Previous Close

$29.06

Daily Range

$28.50 - $29.13

52-Week Range

$19.01 - $29.67

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 helps people and businesses manage their money. It gives loans for homes and new businesses. It keeps customer deposits safe in bank accounts.

Where the Money Goes

  • Commercial Real Estate: Lending for business properties; made up 50% of the total loan portfolio in 2025.
  • Residential Mortgages: Loans for buying houses; accounted for 29% of the total loan portfolio in 2025.
  • Commercial and Agriculture: Funding for business operations and farms; comprised 9% of the total loan portfolio in 2025.
  • Equipment Leasing: National financing for business machinery through a dedicated division.
  • Wealth Management: Advisory and trust services for families and non-profit groups.

Growing the Footprint

  • Acquired The Farmers Savings Bank in November 2025 to expand in Ohio.
  • Raised $75.7 million through a public share sale in July 2025.
  • Integrated Vision Financial Group as a full-service leasing division in 2023.
  • Added two branches in Medina and Lorain Counties through the Farmers Savings Bank merger.

What Makes the Bank Different

The bank operates 42 branches across Ohio, Indiana, and Kentucky. It relies on personal service and local expertise to build a loyal customer base.

Checking the Books

  • Net income hit $15 million in Q1 2026, up 47.4% from Q1 2025.
  • Market capitalization reached $471.9 million in Q1 2026, up 56.6% year-over-year.
  • Revenue was $55.8 million in Q1 2026, down 8.5% from Q1 2025.
  • Operating income fell to $8.6 million in Q1 2026, down 28.1% from the previous year.

Evolution of the Bank

Civista has transitioned from a small local bank into a regional financial firm. It combines traditional community banking with specialized national services like equipment leasing.

AI Generated • May 5, 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

9.26%

Dividend Yield

2.41%

Payout Ratio

23.81%

Stock Overview

Market Cap

$603.96MMarket 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

111.32K

Avg. Volume

114.59K

Financials (TTM)

Gross Profit

$147.77M

Operating Income

$30.40M

EBITDA

$30.40M

Operating Cash Flow

$51.84M

Capital Expenditure

-$1.44M

Free Cash Flow

$50.40M

Cash & ST Invst.

$731.92M

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

$603.96MMarket 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

$1.16M

N/A

Employees

520

N/A

Net Income

$14.32M

+30.0%

EBITDA

-$8.58M

-164.8%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$731.92M

+2.0%

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

$11.74M

+240.2%

Operating Cash Flow

$12.18M

+237.2%

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Questions About CIVB

What is the current price of Civista Bancshares?

Civista Bancshares is trading at $29.06 per share.

What is the 52-week range for Civista Bancshares?

Over the past 52 weeks, Civista Bancshares has traded between $19.01 and $29.67.

How much debt does Civista Bancshares have?

As of the most recent reporting period, Civista Bancshares reported total debt of $231.50M.

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 2.41%.

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