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. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Strong cash conversion. Most reported earnings translate into actual cash flow, suggesting solid fundamentals.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Flat FCF growth. Stable but not expanding—monitor for signs of business maturity or temporary headwinds.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Cash Flow Quality Insight
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
Civista Bancshares, Inc. Cash Flow Statement
CIVB • NASDAQ
| Civista Bancshares, Inc. Cash Flow 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
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 | |
0.0 | 11M | 12.3M | 5.8M | 2.9M | 3.2M | 3.2M | 1.9M | 1.8M | 2M | 1.9M | 1.9M | 2.2M | 2.5M | 2.7M | 2.8M | 3.1M | 3.5M | 1.3M | 1.6M | |
0.0 | -1.9M | -675K | 483K | 1.3M | -2.3M | 663K | 151K | 946K | 170K | -410K | 11K | 1.4M | 330K | -366K | -2.6M | -262K | -709K | 1.8M | 276K | |
0.0 | 871K | 984K | 819K | 702K | 617K | 531K | 428K | 426K | 323K | 106K | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
-22.7M | 3.5M | 1.4M | 685K | -6.7M | 437K | -460K | 2.7M | 1M | -394K | 1.6M | 187K | 4.8M | 7.4M | 12.4M | 22.3M | 6.8M | 51M | 1.1M | 971K | |
(8.1M) | (4.9M) | (9.5M) | (3.1M) | (6.2M) | (7.1M) | (5.7M) | (1.6M) | (6M) | (5.9M) | (3.7M) | (1.7M) | (1M) | (400K) | (1.6M) | (650K) | (1.5M) | (345K) | (0.0) | (0.0) | |
-5.5M | 3M | 5.7M | -22M | 2M | -1.5M | 1M | 360K | 713K | -1.6M | -865K | 3.2M | -1.8M | 1.1M | 2.2M | 326K | -4M | 5.1M | -7.4M | 305K | |
18M | 48.2M | 62.7M | 25.2M | 40.8M | 32.7M | 38.8M | 19.6M | 20.8M | 17.7M | 15.1M | 14.9M | 12.8M | 16.9M | 20.8M | 21.5M | 7.3M | 19.8M | 3.6M | 9.3M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
(0.0) | -4.2M | -3.4M | -6.5M | -1.9M | -2M | -3.2M | -1.5M | -1M | -2.4M | -2M | -485K | -1.2M | -905K | -1.2M | -1.2M | -535K | -807K | -1.1M | -398K | |
-66.8M | (0.0) | (0.0) | -51.6M | (0.0) | (0.0) | (0.0) | (143.8M) | (0.0) | (0.0) | (926K) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -6.3M | (604K) | |
(0.0) | -87.2M | -46.5M | -146.8M | -268.6M | -56.4M | -72.6M | -135.2M | -71M | -42.4M | -30.1M | -58.5M | -64.3M | -77.3M | -76.9M | -79.8M | -160.5M | -69.3M | -55.6M | -43.6M | |
0.0 | 48.5M | 59.3M | 109.5M | 68.2M | 60.7M | 72.4M | 56.8M | 35.3M | 38.4M | 29.9M | 66.8M | 59M | 76.4M | 61.4M | 99.2M | 105.8M | 63.2M | 58M | 88M | |
0.0 | -215.9M | -321.2M | -315M | 71.7M | -343.3M | -147.3M | -97.7M | -109.5M | -57.2M | -10.6M | -56.3M | -49.4M | -37.8M | -33.6M | 12.7M | -1.4M | 9.4M | -37.5M | -45.2M | |
-66.8M | -258.8M | -311.8M | -410.4M | -130.5M | -341M | -150.8M | -33.8M | -146.2M | -63.6M | -11.9M | -48.5M | -55.8M | -39.5M | -50.3M | (30.8M) | -57.5M | (2.5M) | -42.6M | -650K | |
FINANCING ACTIVITIES | ||||||||||||||||||||
75.5M | -164K | -1.6M | -16.9M | -22.3M | -13.5M | -3.9M | 0.0 | 32.8M | 0.0 | 0.0 | 0.0 | 0.0 | -564K | 0.0 | 0.0 | 0.0 | 0.0 | -2M | -7.6M | |
-2.8M | -3.3M | -62.5M | 257.9M | 23.4M | -101.5M | 32.9M | 121.7M | 23.4M | -22.7M | 6M | 27.5M | -2.5M | -10M | -32K | -35.4M | -6.7M | 6.2M | 29.5M | 15.4M | |
-11.8M | -10.1M | -9.6M | -8.5M | -8M | -7.1M | -7.2M | -4.7M | -3.7M | -3.3M | -3.1M | -3.3M | -2.3M | -2.1M | -1.4M | -1.2M | -2.9M | -7M | -6.1M | -6.2M | |
-178K | -164K | -1.6M | -16.9M | -22.3M | -13.5M | -4.3M | (0.0) | -4K | -1K | (0.0) | -22.9M | (0.0) | -564K | (0.0) | (0.0) | (0.0) | (0.0) | -2M | -7.6M | |
2.8M | 226.8M | 339.9M | -68.3M | 223.9M | 520.9M | 95.3M | -100.5M | 76.7M | 73M | -327K | 28M | 12.9M | 29.3M | 4M | 36.3M | 36.9M | -22.2M | 27M | -12.6M | |
63.7M | 213.3M | 266.1M | 164.3M | 216.9M | 398.8M | 116.7M | 16.4M | 129.2M | 47M | 2.5M | 29.3M | 31.2M | 16.7M | 2.5M | -249K | 50.5M | -23M | 48.5M | -11M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
14.9M | 2.7M | 17M | -220.9M | 127.2M | 90.5M | 4.8M | 2.3M | 3.8M | 1.1M | 5.7M | -4.3M | -11.8M | -6M | -26.9M | 52.1M | 293K | -696K | 9.5M | -2.4M | |
8.9M | 60.4M | 43.4M | 264.2M | 137M | 46.6M | 41.8M | 40.5M | 36.7M | 35.6M | 29.9M | 34.2M | 46.1M | 52.1M | 79M | 26.9M | 26.6M | 27.3M | 17.9M | 20.3M | |
23.8M | 63.2M | 60.4M | 43.4M | 264.2M | 137M | 46.6M | 42.8M | 40.5M | 36.7M | 35.6M | 29.9M | 33.9M | 46.1M | 52.1M | 79M | 26.9M | 26.6M | 27.3M | 17.9M | |
44.1M | 44.1M | 59.3M | 18.7M | 38.8M | 30.7M | 35.6M | 18.2M | 19.8M | 15.3M | 13.1M | 14.4M | 11.7M | 16M | 19.6M | 20.3M | 6.8M | 19M | 2.5M | 8.9M |
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 |
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