CIVB logo

CIVISTA BANCSHARES INC

CIVBNASDAQ
πŸ† #2756 by market capEarnings Feb 4US Equity
$28.18β–² $0.02 (+0.07%)
Market closed Β· at close
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24hβ–² 0.1%
7dβ–² 0.1%
14dβ–² 4.9%
30dβ–² 6.3%
ytdβ–² 26.6%
1yβ–² 30.3%
🏦Market Cap
$586M
Small Cap
πŸ“ˆRevenue Growth (YoY)
5.4%
Slowing
πŸ“ŠGross Margin
66.9%
High
πŸ’΅FCF Margin
16.6%
Healthy
βš–οΈP/S Ratio
2.6x
Cheap
Otter Score
β€”
Insufficient data

Trading Snapshot

Day Range
$27.80 – $28.34
52-Week Range
$21.10 – $29.97
Volume (shares)
118,059
Avg Volume (shares)
β€”
Shares Outstanding
20.8M
Next Earnings
2027-02-04

Fundamentals Snapshot

Annual Revenue
$255M
Last Q Revenue
$39M
P/E Ratio
10.1
P/S Ratio
2.6x
EPS (TTM)
$2.78
Dividend Yield
2.52%
Dilution (1yr)
+31.1%
CIVB logo

CIVISTA BANCSHARES INC

CIVB
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$255Mβ–² +5.4% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
66.4%β–² +9.5% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$55Mβ–² +51.0% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$42Mβ–Ό βˆ’4.4% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
20.2Mβ–² +31.1% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$206Mβ–² +$181M YoY
StockOtter Β· stockotter.space

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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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)

Insufficient data for all five components.

πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Insufficient data
β€”/100
Analyst data unavailable.

Latest News & Updates

PRNewsWireΒ·5d ago

Civista Bancshares, Inc. Appoints Jeremy Normington-Slay to Board of Directors

SANDUSKY, Ohio, Oct. 23, 2026 /PRNewswire/ -- Civista Bancshares, Inc. (NASDAQ: CIVB) ("Civista") today announced the appointment of Jeremy Normington-Slay, DPT, MBA, FACHE, to the Boards of Directors of Civista Bancshar

Seeking AlphaΒ·6d ago

Civista Bancshares, Inc. (CIVB) Q3 2026 Earnings Call Transcript

Civista Bancshares, Inc. ( CIVB ) Q3 2026 Earnings Call October 22, 2026 1:00 PM EDT Company Participants Charles Parcher - President, CEO & Director Ian Whinnem - Senior VP, Treasurer & CFO Robert Katitus - Senior VP &

MarketBeatΒ·6d ago

Civista Bancshares Q3 Earnings Call Highlights

Civista Bancshares NASDAQ: CIVB reported third-quarter net income of $16 million, or $0.77 per diluted share, up 26% from the same quarter of 2025 and 12% from the prior quarter. President and CEO Chuck Parcher said pre-

Zacks Investment ResearchΒ·6d ago

Civista Bancshares (CIVB) Reports Q3 Earnings: What Key Metrics Have to Say

While the top- and bottom-line numbers for Civista Bancshares (CIVB) give a sense of how the business performed in the quarter ended September 2026, it could be worth looking at how some of its key metrics compare to Wal

Zacks Investment ResearchΒ·6d ago

Civista Bancshares (CIVB) Tops Q3 Earnings and Revenue Estimates

Civista Bancshares (CIVB) came out with quarterly earnings of $0.77 per share, beating the Zacks Consensus Estimate of $0.7 per share. This compares to earnings of $0.68 per share a year ago.

PRNewsWireΒ·7d ago

Civista Bancshares, Inc. Announces Third Quarter 2026 Net Income of $16.0 million, up 25.5% from Third Quarter 2025

SANDUSKY, Ohio, Oct. 22, 2026 /PRNewswire/ -- Civista Bancshares, Inc. (NASDAQ:CIVB) ("Civista") today reported net income of $16.0 million, or $0.77 per diluted common share, for the quarter ended September 30, 2026. Th