CIVB - NASDAQ

Civista Bancshares, Inc.

CIVB·NASDAQ

$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.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$523.95M

EPS2.6400

P/E Ratio9.55

Earnings Date07/23/2026

4.34B

Assets

3Y+19.0%

5Y+57.0%

10Y+215.0%

3.79B

Total Liabilities

3Y+15.0%

5Y+57.0%

10Y+206.0%

543.47M

Total Equity

40%

3Y+62.0%

5Y+55.0%

10Y+295.0%

Civista Bancshares, Inc. Funding & Solvency Profile

CIVB · NASDAQ

Current Assets

Cash & Cash Equivalents77.32M

Net Receivables14.44M

Inventory0.00

Other Current Assets-14.44M

Total Current Assets762 M

Non-Current Assets

Property, Plant & Equipment40.61M

Goodwill & Intangible Assets140.85M

Long-Term Investments3.59B

Other Non-Current Assets-3.59B

Total Non-Current Assets43 M

Total Assets

4.34B

Financial Health Analysis

Current Ratio

4.32x

Excellent liquidity position. The company can easily cover its short-term obligations with substantial cushion.

Debt-to-Equity Ratio

6.98x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

586 M

Strong working capital position provides significant operational flexibility and financial cushion.

Asset Composition

18% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Mixed signals: Strong short-term liquidity provides comfort, but high overall leverage requires careful monitoring of debt servicing capabilities and refinancing risk.

Civista Bancshares, Inc. Balance Sheet

CIVB • NASDAQ

Civista Bancshares, Inc. Balance Sheet	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
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	77.3M	64.6M	61.6M	44.8M	255.2M	128.2M	48.5M	42.8M	40.5M	36.7M	35.6M	29.9M	34.2M	46.1M	52.1M	79M	26.9M	26.6M	27.3M	17.9M
Short-Term Investments	684.6M	265.3M	618.3M	615.4M	559.9M	363.5M	358.5M	346.3M	230.2M	195.9M	196.2M	197.9M	199.6M	204M	204.6M	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	761.9M	329.9M	679.9M	660.2M	815.1M	491.7M	407M	389.1M	270.7M	232.6M	231.8M	227.8M	233.8M	250.1M	256.8M	79M	26.9M	26.6M	27.3M	17.9M
Net Receivables	14.4M	59M	67.2M	47.5M	7.4M	9.4M	7.1M	6.7M	4.5M	3.9M	3.9M	3.9M	3.9M	3.7M	3.8M	4.4M	5.4M	5.8M	7.1M	5.1M
Accounts Receivables	14.4M	13.5M	12.8M	11.2M	7.4M	9.4M	7.1M	6.7M	4.5M	3.9M	3.9M	3.9M	3.9M	3.7M	3.8M	4.4M	5.4M	5.8M	7.1M	5.1M
Other Receivables	0.0	45.5M	54.3M	36.4M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Current Assets	-14.4M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Current Assets	761.9M	388.9M	747.1M	707.8M	822.4M	501.1M	414.1M	395.8M	275.2M	236.4M	235.7M	231.6M	237.7M	253.8M	260.5M	83.4M	32.4M	32.4M	34.5M	23M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	40.6M	47.2M	56.8M	64M	22.4M	22.6M	22.9M	22M	17.6M	17.9M	16.9M	14.4M	16.3M	17.2M	17.8M	18.1M	19.7M	21M	21.6M	11.6M
Goodwill	130.4M	125.5M	125.5M	125.7M	76.9M	76.9M	76.9M	76.9M	27.1M	27.1M	27.1M	21.7M	21.7M	21.7M	21.7M	21.7M	21.7M	21.7M	0.0	0.0
Intangible Assets	10.4M	7.9M	9.5M	10.8M	7.6M	8.1M	8.3M	9.4M	1.3M	1.8M	2.4M	2M	2.8M	3.1M	4.1M	5.3M	6.5M	7.8M	7.1M	5.1M
Goodwill & Intangible Assets	140.9M	133.4M	135M	136.5M	84.4M	84.9M	85.2M	86.2M	28.4M	28.9M	29.5M	23.7M	24.5M	24.9M	25.8M	27M	28.2M	29.5M	75.9M	29.4M
Long-Term Investments	3.6B	3.4B	2.8B	2.6B	2B	2.1B	1.7B	1.6B	1.2B	1.1B	1B	915.6M	860.6M	813.3M	780M	945.9M	998.2M	954.9M	946.3M	669.1M
Tax Assets	0.0	21.7M	18.4M	18.4M	980K	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Non-Current Assets	-3.6B	89.8M	87.6M	76.3M	80.2M	77.7M	60.5M	63.2M	35.8M	35.5M	29.6M	27.8M	28.5M	27.9M	28.8M	26.2M	24.3M	15.8M	40.9M	15.9M
Total Non-Current Assets	184.1M	3.7B	3.1B	2.9B	2.2B	2.3B	1.9B	1.7B	1.3B	1.1B	1.1B	981.6M	929.9M	883.2M	852.4M	1B	1.1B	1B	1.1B	726M
Other Assets	3.4B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Assets	4.3B	4.1B	3.9B	3.6B	3B	2.8B	2.3B	2.1B	1.5B	1.4B	1.3B	1.2B	1.2B	1.1B	1.1B	1.1B	1.1B	1.1B	1.1B	749M
LIABILITIES
CURRENT LIABILITIES
Accrued Expenses	0.0	0.0	0.0	24.7M	25.7M	24.3M	17.1M	14.9M	13.4M	11.7M	12.2M	12.1M	9.5M	13.7M	10.5M	7.6M	8.9M	12M	0.0	0.0
Short Term Debt	175M	339M	338M	418.8M	25.5M	28.9M	120.2M	22.2M	21.8M	28.9M	25M	21.6M	20.1M	23.2M	19M	23.9M	24.3M	55.6M	29.7M	26.8M
Tax Payables	0.0	0.0	0.0	278K	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Current Liabilities	1.2M	3.2B	3B	2.6B	2.4B	2.2B	1.7B	1.6B	1.2B	1.1B	1.1B	968.9M	942.5M	926.4M	901.2M	892.5M	856.1M	809.9M	839.8M	564.6M
Total Current Liabilities	176.2M	3.6B	3.3B	3.1B	2.5B	2.2B	1.8B	1.6B	1.2B	1.2B	1.1B	1B	972M	963.3M	930.7M	923.9M	889.2M	877.6M	869.5M	591.4M
NON-CURRENT LIABILITIES
Long Term Debt	109.2M	111.9M	116.2M	224.5M	178.7M	154.4M	154.4M	223M	101.3M	77.9M	100.6M	94.6M	67.2M	69.7M	79.7M	79.8M	114.8M	99.4M	115.4M	69.9M
Other Non-Current Liabilities	3.7B	47.2M	50.2M	16.6M	11.1M	21.8M	8.9M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	8.2M	8.2M
Total Non-Current Liabilities	3.8B	159.1M	166.4M	241.1M	189.8M	176.2M	163.3M	223M	101.3M	77.9M	100.6M	94.6M	67.2M	69.7M	79.7M	79.8M	114.8M	99.4M	123.6M	78.1M
Capital Lease Obligations	0.0	0.0	0.0	0.0	0.0	0.0	2.8M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	3.8B	3.7B	3.5B	3.3B	2.7B	2.4B	2B	1.8B	1.3B	1.2B	1.2B	1.1B	1B	1B	1B	1B	1B	977M	993.1M	669.5M
SHAREHOLDERS' EQUITY
Treasury Stock	-75.8M	-75.6M	-75.4M	-73.8M	-56.9M	-34.6M	-21.1M	-17.2M	-17.2M	-17.2M	-17.2M	-17.2M	-17.2M	-17.2M	-17.2M	-17.2M	-17.2M	-17.2M	-17.2M	-15.2M
Preferred Stock	0.0	0.0	0.0	0.0	0.0	0.0	0.0	9.4M	17.4M	19M	22.3M	23.1M	46.3M	23.2M	23.2M	23.1M	23.1M	0.0	0.0	0.0
Common Stock	419.8M	312M	311.2M	310.2M	277.7M	277M	276.4M	266.9M	153.8M	119M	115.3M	114.4M	114.4M	114.4M	114.4M	0.0	0.0	0.0	0.0	68.4M
Additional Paid-In Capital	0.0	0.0	0.0	0.0	0.0	0.0	0.0	266.9M	153.8M	119M	115.3M	114.4M	114.4M	114.4M	114.4M	114.4M	114.4M	114.4M	114.4M	0.0
Retained Earnings	239.8M	205.4M	183.8M	156.5M	125.6M	93M	68M	41.3M	31.7M	19.3M	5.3M	-4.3M	-10.8M	-14.7M	-17.7M	-20.2M	-17.8M	-16.5M	29.4M	28.6M
Accumulated Other Comprehensive Income/Loss	-40.3M	-53.4M	-47.5M	-58M	8.8M	14.6M	6.9M	-268.4M	-154.9M	-121.3M	-115.8M	-114.4M	-118.6M	-116M	-114.6M	-3.2M	-3.8M	-4M	-420K	-2.4M
Total Stockholders' Equity	543.5M	388.5M	372M	334.8M	355.2M	350.1M	330.1M	298.9M	184.5M	137.6M	125.2M	115.9M	128.4M	104M	102.5M	97M	98.8M	76.6M	126.2M	79.5M
Total Equity	543.5M	388.5M	372M	334.8M	355.2M	350.1M	330.1M	298.9M	184.5M	137.6M	125.2M	115.9M	128.4M	104M	102.5M	97M	98.8M	76.6M	126.2M	79.5M
SUMMARY
Total Liabilities & Equity	4.3B	4.1B	3.9B	3.6B	3B	2.8B	2.3B	2.1B	1.5B	1.4B	1.3B	1.2B	1.2B	1.1B	1.1B	1.1B	1.1B	1.1B	1.1B	749M
Total Investments	3.9B	3.7B	3.4B	3.3B	2.6B	2.4B	2.1B	1.9B	1.4B	1.3B	1.2B	1.1B	1.1B	1B	984.6M	945.9M	998.2M	954.9M	946.3M	669.1M
Total Debt	284.2M	450.9M	454.2M	643.4M	204.2M	183.3M	274.6M	245.2M	123.1M	106.9M	125.7M	116.2M	87.2M	92.9M	98.8M	103.6M	139.1M	155M	145.1M	96.8M
Net Debt	206.9M	386.3M	392.6M	598.5M	-51M	55.1M	226.1M	202.4M	82.6M	70.2M	90.1M	86.4M	53M	46.8M	46.6M	24.6M	112.2M	128.4M	117.7M	78.9M
Shares Outstanding	19,312,900	19,312,900	19,312,900	19,312,900	19,312,900	19,312,900	19,312,900	19,312,900	19,312,900	19,312,900	19,312,900	19,312,900	19,312,900	19,312,900	19,312,900	19,312,900	19,312,900	19,312,900	19,312,900	19,312,900

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	View Filing
8-K 8-K 2026 N/A	May 19, 2026	May 19, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 19, 2026	May 19, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 08, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 30, 2026	April 30, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 22, 2026	April 22, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 21, 2026	April 21, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	April 07, 2026	May 19, 2026	2026	View Filing
8-K 8-K 2026 N/A	March 20, 2026	March 19, 2026	2026	View Filing
8-K 8-K 2026 N/A	March 19, 2026	March 19, 2026	2026	View Filing

Showing 1 to 10 of 634 filings

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