CIVISTA BANCSHARES, INC.

CIVB

CIVISTA BANCSHARES, INC.

CIVB

Insider Sentiment (TTM):

Last Purchase:2025-11-18Last Sale:2025-04-30Shares Purchased (TTM):1,000Shares Sold (TTM):0

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:13,227,248Shares Outstanding:20,706,330Institutional Ownership Pct.:63.88%

Earnings Market Reaction:

Filing Date:2026-08-06Price on Filing Date:N/APrevious Close:N/A% Change:N/A

Subscribe to unlock 17+ years of financial data

Start 7-day free trial

Subscribe to unlock 17+ years of data

Start free trial

Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Cash And Due From Banks	62	84	77	63	74	90	63	75	56	50	60	50
Cash And Cash Equivalents At Carrying Value	-	-	77	-	-	-	63	-	-	-	60	-
Interest Bearing Deposits In Banks	4	3	1	1	1	1	1	1	1	1	1	1
Available For Sale Securities Debt Securities	667	680	682	655	643	646	648	627	610	606	618	593
Equity Securities Fv Ni	3	3	3	3	2	2	2	2	2	2	2	2
Loans Receivable Held For Sale Net Not Part Of Dis…	9	7	7	8	11	4	1	8	5	4	2	2
Loans And Leases Receivable Net Reported Amount	-	-	-	-	-	-	-	-	-	2,859	2,825	2,720
Notes Receivable Net	3,213	3,189	3,228	3,056	3,111	3,064	3,042	3,003	2,975	-	2,825	-
Assets
Assets	4,294	4,298	4,336	4,113	4,186	4,147	4,098	4,061	4,012	3,880	3,861	3,733
Federal Home Loan Bank Stock And Federal Reserve B…	29	25	26	28	36	33	30	33	38	31	30	34
Property Plant And Equipment Net	37	39	41	41	43	45	47	50	52	54	57	59
Interest Receivable	15	15	14	14	15	14	13	14	15	14	13	11
Goodwill	130	130	130	126	126	126	126	126	126	126	126	125
Intangible Assets Net Excluding Goodwill	12	12	13	7	7	8	8	8	9	9	10	10
Bank Owned Life Insurance	64	64	63	63	64	63	63	63	63	62	61	54
Derivative Assets	2	3	3	4	3	3	5	8	15	15	12	20
Deferred Income Tax Assets Net	16	16	17	20	23	22	22	18	21	20	18	25
Other Assets	31	29	30	28	29	26	27	26	25	27	26	26
Liabilities
Noninterest Bearing Deposit Liabilities	695	704	702	652	648	649	695	686	691	708	772	803
Deposits
Deposits	3,458	3,502	3,466	3,230	3,196	3,239	3,212	3,224	2,978	2,981	2,985	2,796
Interest Bearing Deposit Liabilities	2,763	2,798	2,764	2,579	2,549	2,590	2,517	2,537	2,286	2,273	2,213	1,993
Federal Home Loan Bank Advances Maturities Summary…	-	-	-	-	-	-	-	287	501	369	-	432
Federal Home Loan Bank Advances Long Term	1	1	1	1	1	1	2	2	2	2	2	3
Securities Sold Under Agreements To Repurchase	-	-	0	-	-	-	0	-	-	-	0	0
Subordinated Debt	104	104	104	104	104	104	104	104	104	104	104	104
Other Borrowings	3	4	4	5	5	6	6	6	7	8	10	11
Secured Borrowings Gross Difference Amount	-	-	-	-	-	-	-	-	-	-	0	-
Derivative Liabilities	7	6	6	6	7	9	12	8	15	15	12	20
Liabilities	3,728	3,746	3,793	3,614	3,782	3,749	3,710	3,667	3,638	3,511	3,489	3,400
Common Stock Value	421	420	420	388	313	312	312	312	312	311	311	311
Retained Earnings Accumulated Deficit	262	251	240	231	221	213	205	198	192	188	184	177
Stockholders Equity
Stockholders Equity	567	552	543	499	404	397	389	394	374	370	372	333
Treasury Stock Value	-76	-76	-76	-76	-76	-76	-76	-76	-76	-76	-75	-75
Accumulated Other Comprehensive Income Loss Net Of…	-40	-43	-40	-44	-54	-52	-53	-40	-54	-54	-48	-79
Liabilities And Stockholders Equity	4,294	4,298	4,336	4,113	4,186	4,147	4,098	4,061	4,012	3,880	3,861	3,733
Financing Receivable Allowance For Credit Losses	-	41	42	40	40	40	40	41	40	39	37	35
Loans And Leases Receivable Allowance	-	-	-	-	-	-	-	-	-	39	37	35
Common Stock No Par Value	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Shares Authorized	40	40	40	40	40	40	40	40	40	40	40	40
Common Stock Shares Issued	25	25	25	23	19	19	19	19	19	19	19	19
Treasury Stock Common Shares	4	4	4	4	4	4	4	4	4	4	4	4

Subscribe to unlock 17+ years of financial data, unlimited metrics, and saved tables

Start 7-day free trial

Subscribe to unlock 17+ years of data, unlimited metrics, and saved tables

Start free trial

Custom Table

10‑Q10‑K

0/5

Search a metric to start building a table

Subscribe to unlock 17+ years of financial data, unlimited metrics, transformations, and saved visuals

Start 7-day free trial

Subscribe to unlock 17+ years of data, unlimited metrics, transformations, and saved visuals

Start free trial

Interactive Financial Visualizations

10‑Q10‑K

Stock Price:

OnOff

Transformations:

0/1

Search a metric to start building a visual

Subscribe to unlock 17+ years of financial data

Start 7-day free trial

Subscribe to unlock 17+ years of data

Start free trial

Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	3.64%	14.73%	14.37%	-	-	-	-	-	-	-	-	-
2025	-1.05%	4.08%	-11.41%	9.40%	6.66%	14.51%	4.50%	5.84%	5.33%	-1.11%	10.45%	13.58%
2024	-3.24%	4.59%	28.16%	9.13%	14.15%	14.73%	-2.54%	-10.34%	-4.91%	-2.99%	21.47%	19.10%
2023	-	-	-	-6.42%	-15.67%	-20.08%	11.93%	26.47%	23.39%	5.03%	-0.56%	1.35%
Earnings Market Reaction data beyond 3 years is for subscribers only. Unlock the full earnings market reaction history Start 7-day free trial

Subscribe to unlock 17+ years of financial data and 90+ calculated metrics

Start 7-day free trial

Subscribe to unlock 17+ years of data and 90+ calculated metrics

Start free trial

Performance and Valuation Metrics

Rows marked with a lock icon are subscribers only — subscribe to unlock 90+ calculated metrics and 17+ years of history.

Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-0.56	-0.57	-0.60	-0.61	-0.64	-0.25	0.20	0.76	1.50	1.62	1.88	2.25
Efficiency & Turnover
Days Sales Outstanding TTM	-	-	-	-	-	-	-	-	-	5,193.52	5,335.88	5,323.06
Receivables Turnover TTM	-	-	-	-	-	-	-	-	-	0.07	0.07	0.07
Per Share Metrics
Diluted EPS TTM	-	-	2.65	-	-	-	2.06	-	-	-	2.84	-
Free Cash Flow Per Share TTM	2.79	2.50	2.47	2.99	3.23	3.30	3.13	1.72	2.27	2.73	3.91	3.49
Dividend Per Share TTM	0.68	0.62	0.68	0.59	0.67	0.66	0.65	0.65	0.66	0.65	0.63	0.61
Margin Metrics
Gross Profit Margin TTM	66.00%	64.39%	62.71%	61.10%	59.35%	57.59%	56.46%	45.44%	48.02%	51.42%	55.77%	74.37%
Operating Profit Margin TTM	29.37%	27.48%	24.99%	23.74%	21.36%	19.65%	17.69%	18.03%	19.78%	22.32%	27.70%	31.35%
Net Profit Margin TTM	24.33%	22.88%	20.91%	20.06%	18.26%	16.88%	15.33%	15.56%	17.08%	19.18%	23.51%	26.41%
Growth Metrics
Net Revenue Growth (1Y)	3.41%	6.07%	6.91%	8.12%	10.24%	10.72%	13.11%	17.39%	23.96%	36.14%	50.70%	59.38%
Net Income Growth (1Y)	37.75%	43.79%	45.86%	39.41%	17.86%	-2.59%	-26.26%	-30.82%	-27.53%	-16.91%	8.97%	18.81%
EPS Growth (1Y)	2.63%	7.10%	28.86%	14.99%	15.64%	-4.41%	-27.39%	-31.98%	-27.30%	-16.66%	7.65%	20.20%
Valuation Metrics
P/E TTM	10.69	9.12	8.20	8.41	8.74	8.12	9.69	8.21	6.52	5.88	5.93	4.66
P/B TTM	1.02	0.84	0.70	0.74	0.85	0.72	0.79	0.65	0.58	0.58	0.68	0.64
P/S TTM	2.60	2.09	1.72	1.69	1.60	1.37	1.49	1.28	1.11	1.13	1.39	1.23
Market Cap	580.75M	465.56M	379.14M	368.58M	344.77M	288.05M	307.04M	258.22M	218.30M	214.27M	254.67M	211.68M
Enterprise Value	519.01M	382.04M	301.82M	305.82M	270.91M	197.60M	243.88M	183.56M	162.54M	163.96M	194.26M	161.36M
Calculated Values
Free Cash Flow TTM	57.87M	51.84M	43.11M	55.90M	49.83M	50.95M	48.12M	26.57M	34.33M	41.35M	59.27M	52.89M
Net Debt	-61.74M	-83.53M	-77.32M	-62.77M	-73.86M	-90.46M	-63.16M	-74.66M	-55.76M	-50.31M	-60.41M	-50.32M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

Subscribe to unlock 17+ years of financial data

Start 7-day free trial

Subscribe to unlock 17+ years of data

Start free trial

Insider Transactions

2025-11-18Purchase

Owner: Weaks, Nathan E

Title: -

Shares: 1,000

Price/Share: $21.49

Value: $21,490.00

Shares Owned: 11,283

Relationship: Other

Ownership: Indirect

2025-08-21Purchase

Owner: Weaks, Nathan E

Title: -

Shares: 500

Price/Share: $19.85

Value: $9,925.00

Shares Owned: 10,283

Relationship: Other

Ownership: Indirect

2025-08-18Purchase

Owner: Weaks, Nathan E

Title: -

Shares: 500

Price/Share: $19.95

Value: $9,975.00

Shares Owned: 9,783

Relationship: Other

Ownership: Indirect

2025-08-05Purchase

Owner: Whinnem, Ian

Title: SVP/CFO

Shares: 1,500

Price/Share: $19.20

Value: $28,800.00

Shares Owned: 2,500

Relationship: Officer

Ownership: Direct

2025-07-31Purchase

Owner: Weaks, Nathan E

Title: -

Shares: 1,000

Price/Share: $19.35

Value: $19,350.00

Shares Owned: 9,283

Relationship: Other

Ownership: Indirect

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2025-11-18	Weaks, Nathan E	Other	-	Indirect	Purchase	1,000	21.49	$21,490.00	11,283	4
2025-08-21	Weaks, Nathan E	Other	-	Indirect	Purchase	500	19.85	$9,925.00	10,283	4
2025-08-18	Weaks, Nathan E	Other	-	Indirect	Purchase	500	19.95	$9,975.00	9,783	4
2025-08-05	Whinnem, Ian	Officer	SVP/CFO	Direct	Purchase	1,500	19.20	$28,800.00	2,500	4
2025-07-31	Weaks, Nathan E	Other	-	Indirect	Purchase	1,000	19.35	$19,350.00	9,283	4
2025-07-11	Parcher, Charles A.	Officer	Senior Vice President	Direct	Purchase	1,000	21.25	$21,250.00	1,000	4
2025-07-11	Perfect, Clyde A Jr	Other	-	Direct	Purchase	2,352	21.25	$49,980.00	2,352	4
2025-07-11	Macioce, Mark J.	Director	-	Direct	Purchase	640	21.25	$13,600.00	640	4
2025-07-11	Morrison, Lance A.	Officer	SVP, Legal Counsel	Direct	Purchase	1,000	21.25	$21,250.00	1,000	4
2025-07-11	Dutton, Richard J	Officer	Senior Vice President	Indirect	Purchase	4,000	21.25	$85,000.00	4,000	4
2025-07-11	Shaffer, Dennis G	Director,Officer	CEO and President	Direct	Purchase	1,000	21.25	$21,250.00	1,000	4
2025-07-11	Congrove, Darci L	Director	-	Direct	Purchase	1,250	21.25	$26,562.50	1,250	4
2025-07-11	Mulford, Michael D.	Officer	Senior Vice President	Direct	Purchase	1,000	21.25	$21,250.00	1,000	4
2025-04-30	Murray, Dennis E Jr	Director,Other	-	Direct	Sale	6,143	22.25	$136,681.75	16,654	4
2025-04-29	Murray, Dennis E Jr	Director,Other	-	Indirect	Purchase	6,143	22.44	$137,848.92	19,162	4
2024-12-13	Whinnem, Ian	Officer	SVP/CFO	Direct	Purchase	1,000	22.30	$22,300.00	1,000	4
2024-11-05	Congrove, Darci L	Director	-	Direct	Purchase	750	20.81	$15,607.50	2,625	4
2024-08-13	Mattlin, Julie A	Director	-	Direct	Purchase	2,000	15.60	$31,200.00	12,442	4
2024-06-06	Perfect, Clyde A Jr	Other	-	Direct	Purchase	3,512	14.25	$50,046.00	3,512	4
2024-05-08	Mulford, Michael D.	Officer	Senior Vice President	Direct	Purchase	1,000	13.97	$13,970.00	3,000	4
2024-03-14	Parcher, Charles A.	Officer	Senior Vice President	Indirect	Purchase	1,000	14.38	$14,380.00	2,750	4
2024-02-20	Mulford, Michael D.	Officer	Senior Vice President	Direct	Purchase	2,000	15.82	$31,640.00	2,000	4
2023-11-02	Wurm, Gerald B	Other	-	Indirect	Purchase	76	14.70	$1,117.20	38,579	4
2023-05-04	Wurm, Gerald B	Other	-	Indirect	Purchase	3,500	14.67	$51,345.00	37,753	4
2023-03-23	Wurm, Gerald B	Other	-	Indirect	Purchase	2,000	17.73	$35,460.00	34,253	4/A
2023-03-23	Wurm, Gerald B	Other	-	Indirect	Purchase	2,000	17.73	$35,460.00	41,573	4
2023-03-16	Weaks, Nathan E	Other	-	Indirect	Purchase	1,000	17.55	$17,550.00	6,283	4
2023-02-28	Weaks, Nathan E	Other	-	Indirect	Purchase	1,178	21.17	$24,938.26	4,283	4/A
2023-02-23	Mattlin, Julie A	Director	-	Direct	Purchase	1,300	21.82	$28,366.00	8,567	4
Additional insider transactions are for subscribers only. Unlock the complete Form 4 filing history Start 7-day free trial

Subscribe to unlock 17+ years of financial data

Start 7-day free trial

Subscribe to unlock 17+ years of data

Start free trial

Institutional Ownership

No data available for chart

2026-03-31

63.88%

Inst. Shares: 13,227,248

Shares Outstanding: 20,706,330

2025-12-31

72.67%

Inst. Shares: 12,660,333

Shares Outstanding: 17,421,400

2025-09-30

67.94%

Inst. Shares: 12,687,713

Shares Outstanding: 18,675,864

2025-06-30

55.28%

Inst. Shares: 8,528,071

Shares Outstanding: 15,427,798

2025-03-31

53.07%

Inst. Shares: 8,184,376

Shares Outstanding: 15,422,102

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	13,227,248	20,706,330	63.88%
2025-12-31	12,660,333	17,421,400	72.67%
2025-09-30	12,687,713	18,675,864	67.94%
2025-06-30	8,528,071	15,427,798	55.28%
2025-03-31	8,184,376	15,422,102	53.07%
2024-12-31	8,187,532	15,391,739	53.19%
2024-09-30	7,938,281	15,404,435	51.53%
2024-06-30	7,869,279	15,137,337	51.99%
2024-03-31	7,625,404	15,134,619	50.38%
2023-12-31	7,888,766	15,154,767	52.05%
2023-09-30	7,617,932	15,146,292	50.30%
2023-06-30	7,645,789	15,187,097	50.34%
Additional institutional holders are for subscribers only. Unlock the complete Form 13F ownership history Start 7-day free trial

CIVISTA BANCSHARES, INC. (CIVB) — SEC Financial Statements & Analysis

CIVISTA BANCSHARES, INC. (CIVB) is a state commercial banks company, incorporated in OH. CIVISTA BANCSHARES, INC. trades on Nasdaq as: CIVB. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), CIVISTA BANCSHARES, INC. reported a 3.41% year-over-year revenue growth, a Gross Profit Margin of 66.00% (TTM), a Price-to-Sales (P/S) ratio of 2.60x (TTM), a Price-to-Book (P/B) ratio of 1.02x (TTM), at a market cap of $580.75M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 3.41%
Gross Profit Margin TTM: 66.00%
P/S TTM: 2.60x
P/B TTM: 1.02x
Market Cap: $580.75M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is CIVISTA BANCSHARES, INC. in?

CIVISTA BANCSHARES, INC. (CIVB) operates in the State Commercial Banks industry.

What is CIVB's market cap?

CIVISTA BANCSHARES, INC. (CIVB) has a market capitalization of $580.75M as of 2026-06-30.

What is CIVB's P/E ratio?

CIVISTA BANCSHARES, INC. (CIVB)'s trailing twelve month P/E ratio is 10.69x as of 2026-06-30.

What exchange does CIVB trade on?

CIVISTA BANCSHARES, INC. (CIVB) trades on the Nasdaq.

Where is CIVISTA BANCSHARES, INC. incorporated?

CIVISTA BANCSHARES, INC. is incorporated in OH.