CIVISTA BANCSHARES INC

CIVBNASDAQ

🏆 #2396 by market capEarnings Oct 22US Equity

$28.45▲ $0.32 (+1.14%)

Market closed · at close

1h—

24h▲ 1.1%

7d▼ 1.2%

14d▼ 3.1%

30d▲ 2.1%

1y▲ 39.1%

🏦Market Cap

$591M

Small Cap

📈Revenue Growth (YoY)

+5.4%

Slowing

📊Gross Margin

65.8%

High

💵FCF Margin

25.1%

Strong

⚖️P/S Ratio

2.6x

Cheap

Otter Score

Weak

Trading Snapshot

Day Range: $28.18 – $28.79
52-Week Range: $19.67 – $29.97
Volume: $2.26B
Avg Volume: $2.59B
Shares Outstanding: 20.8M
Next Earnings: Sep 30, 2026

Fundamentals Snapshot

Annual Revenue: $255M
Last Q Revenue: $39M
P/E Ratio: 10.5
P/S Ratio: 2.6x
EPS (TTM): $2.62
Dividend Yield: 2.50%

Why Investors Own CIVB

✓High-growth profile — revenue up +53.8% YoY with expanding US Equity exposure.
✓Healthy economics — 68% gross margin and 14% free-cash-flow margin.
✓New products and segments could unlock additional revenue streams.

⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)

$255M▲ +59.7% YoY

Gross Margin (TTM)

68.0%▼ −0.5% YoY

Operating Income (TTM)

$61M▲ +59.7% YoY

Free Cash Flow (TTM)

$36M▲ +59.7% YoY

About CIVISTA BANCSHARES INC

Serving as the financial holding company for Civista Bank, Civista Bancshares, Inc. delivers comprehensive community banking services. The company actively gathers various customer deposits and provides a broad spectrum of lending products, encompassing commercial, agricultural, residential and commercial real estate, farm real estate, and construction loans, as well as consumer credit and letters of credit. Beyond banking, it also acquires securities and offers trust services alongside third-party insurance. With approximately 42 branch locations, Civista Bancshares extends its reach across Northern, Central, Southwestern, and Northwestern Ohio, in addition to Southeastern Indiana and Northern Kentucky. Founded in 1884, the company is headquartered in Sandusky, Ohio, and officially changed its name from First Citizens Banc Corp to Civista Bancshares, Inc. in May 2015.

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