Civista Bancshares, Inc.

Civista Bancshares, Inc.

CIVBยทNASDAQ

$25.21

-2.4%
Financial ServicesBanks - Regional

Civista Bancshares, Inc. operates as the financial holding company for Civista Bank that provides community banking services. It collects a range of customer deposits; and offers commercial and agriculture, commercial and residential real estate, farm real estate, real estate construction, consumer, and other loans, as well as letters of credit. The company also purchases securities; and provides trust and third-party insurance services. It operates approximately 42 locations in Northern, Central, Southwestern, and Northwestern Ohio, as well as Southeastern Indiana and Northern Kentucky. The company was formerly known as First Citizens Banc Corp and changed its name to Civista Bancshares, Inc. in May 2015. Civista Bancshares, Inc. was founded in 1884 and is headquartered in Sandusky, Ohio.

At a Glance

Live Snapshot
Market Cap$523.95M
EPS2.6400
P/E Ratio9.55
Earnings Date07/23/2026
0.79%
Dividend Yield
8%
3Y-8.0%
5Y+50.0%
10Y+4.0%
24.87%
Dividend Payout Ratio
-7%
3Y+46.0%
5Y+40.0%
10Y+65.0%
3Y+49.0%
5Y+87.0%
10Y+319.0%
Civista Bancshares, Inc.

Civista Bancshares, Inc. Dividend History

CIVB ยท NASDAQ
10Y CAGR +0%
Latest $0
Annual $0
Stable dividend payments
Last Period: +0%

CIVB Dividend Payment History

CIVB ยท NASDAQ

Total Payments

50

Latest Dividend

$0.1800

Annual Amount

$0.7000

Frequency

Quarterly

DeclarationEx-DatePayment DateDividendAdjustedFrequencyGrowth
Apr 21, 2026
May 5, 2026May 19, 2026
$0.1800
$0.1800
Quarterly0.00%
Jan 27, 2026
Feb 10, 2026Feb 24, 2026
$0.1800
$0.1800
Quarterly+5.88%
Oct 21, 2025
Nov 4, 2025Nov 18, 2025
$0.1700
$0.1700
Quarterly0.00%
Jul 22, 2025
Aug 5, 2025Aug 19, 2025
$0.1700
$0.1700
Quarterly0.00%
Apr 15, 2025
Apr 29, 2025May 13, 2025
$0.1700
$0.1700
Quarterly0.00%
Jan 22, 2025
Feb 4, 2025Feb 18, 2025
$0.1700
$0.1700
Quarterly+6.25%
Oct 25, 2024
Nov 5, 2024Nov 19, 2024
$0.1600
$0.1600
Quarterly0.00%
Jul 26, 2024
Aug 6, 2024Aug 20, 2024
$0.1600
$0.1600
Quarterly0.00%
Apr 26, 2024
May 7, 2024May 22, 2024
$0.1600
$0.1600
Quarterly0.00%
Feb 2, 2024
Feb 13, 2024Mar 1, 2024
$0.1600
$0.1600
Quarterly0.00%
Oct 26, 2023
Nov 7, 2023Nov 21, 2023
$0.1600
$0.1600
Quarterly0.00%
Jul 27, 2023
Aug 8, 2023Aug 22, 2023
$0.1600
$0.1600
Quarterly+6.67%
Apr 28, 2023
May 9, 2023May 24, 2023
$0.1500
$0.1500
Quarterly+7.14%
Feb 3, 2023
Feb 14, 2023Mar 1, 2023
$0.1400
$0.1400
Quarterly0.00%
Oct 28, 2022
Nov 8, 2022Nov 22, 2022
$0.1400
$0.1400
Quarterly0.00%
Jul 29, 2022
Aug 9, 2022Aug 23, 2022
$0.1400
$0.1400
Quarterly0.00%
Apr 29, 2022
May 10, 2022May 25, 2022
$0.1400
$0.1400
Quarterly0.00%
Feb 4, 2022
Feb 15, 2022Mar 1, 2022
$0.1400
$0.1400
Quarterly0.00%
Oct 8, 2021
Oct 19, 2021Nov 1, 2021
$0.1400
$0.1400
Quarterly0.00%
Jul 9, 2021
Jul 20, 2021Aug 2, 2021
$0.1400
$0.1400
Quarterly+16.67%
Apr 9, 2021
Apr 20, 2021May 1, 2021
$0.1200
$0.1200
Quarterly0.00%
Jan 8, 2021
Jan 19, 2021Feb 1, 2021
$0.1200
$0.1200
Quarterly+9.09%
Oct 9, 2020
Oct 20, 2020Nov 1, 2020
$0.1100
$0.1100
Quarterly0.00%
Jul 10, 2020
Jul 21, 2020Aug 1, 2020
$0.1100
$0.1100
Quarterly0.00%
Apr 13, 2020
Apr 21, 2020May 1, 2020
$0.1100
$0.1100
Quarterly0.00%
Jan 10, 2020
Jan 21, 2020Feb 1, 2020
$0.1100
$0.1100
Quarterly0.00%
Oct 11, 2019
Oct 22, 2019Nov 1, 2019
$0.1100
$0.1100
Quarterly0.00%
Jul 12, 2019
Jul 23, 2019Aug 1, 2019
$0.1100
$0.1100
Quarterly0.00%
Apr 12, 2019
Apr 23, 2019May 1, 2019
$0.1100
$0.1100
Quarterly+22.22%
Jan 11, 2019
Jan 22, 2019Feb 1, 2019
$0.0900
$0.0900
Quarterly0.00%
Oct 12, 2018
Oct 23, 2018Nov 1, 2018
$0.0900
$0.0900
Quarterly0.00%
Jul 17, 2018
Jul 24, 2018Aug 1, 2018
$0.0900
$0.0900
Quarterly+28.57%
Apr 13, 2018
Apr 24, 2018May 1, 2018
$0.0700
$0.0700
Quarterly0.00%
Jan 12, 2018
Jan 23, 2018Feb 1, 2018
$0.0700
$0.0700
Quarterly0.00%
Oct 6, 2017
Oct 17, 2017Nov 1, 2017
$0.0700
$0.0700
Quarterly+16.67%
Jul 10, 2017
Jul 18, 2017Aug 1, 2017
$0.0600
$0.0600
Quarterly0.00%
Apr 10, 2017
Apr 18, 2017May 1, 2017
$0.0600
$0.0600
Quarterly0.00%
Jan 17, 2017
Jan 23, 2017Feb 1, 2017
$0.0600
$0.0600
Quarterly0.00%
Oct 10, 2016
Oct 18, 2016Nov 1, 2016
$0.0600
$0.0600
Quarterly0.00%
Jul 11, 2016
Jul 19, 2016Aug 1, 2016
$0.0600
$0.0600
Quarterly+20.00%
Apr 11, 2016
Apr 19, 2016May 2, 2016
$0.0500
$0.0500
Quarterly0.00%
Jan 11, 2016
Jan 19, 2016Feb 1, 2016
$0.0500
$0.0500
Quarterly0.00%
Oct 12, 2015
Oct 20, 2015Nov 2, 2015
$0.0500
$0.0500
Quarterly0.00%
Jul 13, 2015
Jul 21, 2015Aug 1, 2015
$0.0500
$0.0500
Quarterly0.00%
Apr 13, 2015
Apr 21, 2015May 1, 2015
$0.0500
$0.0500
Quarterly0.00%
Jan 9, 2015
Jan 20, 2015Feb 2, 2015
$0.0500
$0.0500
Quarterly0.00%
Oct 3, 2014
Oct 21, 2014Nov 1, 2014
$0.0500
$0.0500
Quarterly0.00%
Jul 3, 2014
Jul 15, 2014Aug 1, 2014
$0.0500
$0.0500
Quarterly0.00%
Apr 4, 2014
Apr 15, 2014May 1, 2014
$0.0500
$0.0500
Quarterly+25.00%
Jan 3, 2014
Jan 21, 2014Feb 1, 2014
$0.0400
$0.0400
Quarterly-
civb

Civista Bancshares, Inc. Payout Ratio Analysis

CIVB ยท NASDAQ
Dividends Paid
-11.84M
2025
Net Income
46.21M
2025
Payout Ratio
25.61%
2025

Dividend Sustainability Analysis

Payout Ratio
25.61%

Conservative payout with excellent safety margin. Company retains significant earnings for growth, acquisitions, or building cash reserves. Dividend is highly sustainable.

FCF Payout Ratio
26.8%

Excellent FCF coverage. Dividend is well-supported by actual cash generation with ample room for increases and business reinvestment.

Dividend Growth
-17.6%

Significant dividend reduction signals serious challenges. Company prioritizing financial stability over shareholder returns. High risk of further cuts.

Sustainability
Good

Sustainable dividend with adequate coverage. Some areas for improvement but overall appears safe for dividend investors.

Key Insight

Recent dividend cut signals distress: Management forced to reduce payout, indicating financial pressure. Evaluate whether business challenges are temporary or structural before reinvesting.