CIVB - NASDAQ
Civista Bancshares, Inc.
$25.21
-2.4%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 SnapshotCivista Bancshares, Inc. Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Healthy operating margins demonstrate effective cost control and strong business fundamentals.
Net Profit Margin
Strong net margins indicate efficient operations and favorable tax/interest management.
Effective Tax Rate
Moderate tax rate typical for most corporations. Represents standard tax burden on profits.
Profitability Insight
Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.
Civista Bancshares, Inc. Income Statement
CIVB • NASDAQ
| Civista Bancshares, Inc. Income Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
REVENUE | ||||||||||||||||||||
255M | 241.9M | 217.5M | 153M | 134.2M | 126.2M | 118.6M | 90.7M | 74.1M | 69.1M | 64.3M | 59M | 56.3M | 57.3M | 58.3M | 62M | 65.3M | 72.2M | 57.5M | 52.5M | |
GROSS PROFIT | ||||||||||||||||||||
(85.8M) | (95.3M) | (61.7M) | (17.7M) | (10.5M) | (20.3M) | (14M) | (8.4M) | (4.1M) | (2M) | (4.5M) | (5.6M) | (6M) | (12.6M) | (17.3M) | (28.4M) | (28.2M) | (30M) | (21.4M) | (16.7M) | |
169.2M | 146.6M | 155.8M | 135.3M | 123.7M | 105.9M | 104.6M | 82.4M | 70M | 67.1M | 59.8M | 53.4M | 50.3M | 44.7M | 41M | 33.6M | 37.1M | 42.2M | 36.1M | 35.8M | |
OPERATING INCOME | ||||||||||||||||||||
(113.9M) | (110M) | (105.2M) | (88.2M) | (75.4M) | (68.8M) | (65.1M) | (65.6M) | (47.8M) | (43.3M) | (42.3M) | (40.7M) | (42.7M) | (37.4M) | (36.2M) | (36.7M) | (35.7M) | (79.9M) | (26.2M) | (27M) | |
(72.8M) | (66.5M) | (61.3M) | (53.4M) | (46.8M) | (44.3M) | (44.1M) | (47.3M) | (33.2M) | (28.4M) | (27.4M) | (26.4M) | (28.1M) | (22.9M) | (22M) | (22M) | (20.5M) | (20.9M) | (13.6M) | (14.3M) | |
55.2M | 36.6M | 50.6M | 47M | 48.4M | 37.1M | 39.6M | 16.8M | 22.2M | 23.8M | 17.5M | 12.7M | 7.6M | 7.3M | 4.8M | -3.1M | 1.4M | -37.6M | 9.9M | 8.8M | |
PRE-TAX INCOME | ||||||||||||||||||||
(82.4M) | (90M) | (57.2M) | (16M) | (9.6M) | (10.1M) | (13M) | (7.6M) | (4.1M) | (3.3M) | (3.3M) | (4.1M) | (4.9M) | (6.2M) | (7.5M) | (10.5M) | (14.9M) | (21.8M) | (20.4M) | (15.6M) | |
138.6M | 116.7M | 125.5M | 110.2M | 95.4M | 89.7M | 85.1M | 66.1M | 54.5M | 50.3M | 47.4M | 41.9M | 40M | 40.6M | 41.4M | 41.5M | 40.3M | 40.5M | 29.6M | 30.3M | |
(41.2M) | (43.4M) | (43.9M) | (34.9M) | (28.5M) | (24.5M) | (21M) | (18.3M) | (14.6M) | (14.8M) | (14.9M) | (14.4M) | (14.6M) | (14.5M) | (14.1M) | (14.7M) | (15.2M) | (59M) | (12.5M) | (12.6M) | |
55.2M | 36.6M | 50.6M | 47M | 48.4M | 37.1M | 39.6M | 16.8M | 22.2M | 23.8M | 17.5M | 12.7M | 7.6M | 7.3M | 4.8M | -3.1M | 1.4M | -37.6M | 9.9M | 8.8M | |
NET INCOME | ||||||||||||||||||||
(9M) | (4.9M) | (7.6M) | (7.6M) | (7.8M) | (4.9M) | (5.7M) | (2.6M) | (6.4M) | (6.6M) | (4.8M) | (3.2M) | (1.4M) | (1.7M) | (847K) | -1.8M | -237K | (1.4M) | (3M) | (2.7M) | |
46.2M | 31.7M | 43M | 39.4M | 40.5M | 32.2M | 33.9M | 14.1M | 15.9M | 17.2M | 12.7M | 9.5M | 6.2M | 5.6M | 4M | -1.3M | 1.7M | -39M | 6.9M | 6.2M |
SEC Filings
CIVB - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | June 01, 2026 | June 01, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 19, 2026 | May 19, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 19, 2026 | May 19, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 08, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 30, 2026 | April 30, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 22, 2026 | April 22, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 21, 2026 | April 21, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 07, 2026 | May 19, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 20, 2026 | March 19, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 19, 2026 | March 19, 2026 | 2026 |
Related Guides
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Research Paths
Snapshot
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Value Model
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Statements
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Earnings Call
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Dividends
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Analyst Expectations
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