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Stocks · Financials · State Commercial Banks

CIVISTA BANCSHARES, INC.

CIVB Clue Score49
United States Fiscal year ends December CIK 0000944745
$26.41 -1.97% Close, 9 Oct 2026
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Price $26.41 +5.77% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Revenue13.3Net income17.2EPS, diluted1.57Fiscal year 2017Revenue13.6 +2.5%Net income15.9 −7.8%EPS, diluted1.28 −18.5%Fiscal year 2018Revenue15.3 +12.3%Net income14.1 −10.9%EPS, diluted1.02 −20.3%Fiscal year 2019Revenue17.8 +16.1%Net income33.9 +139.6%EPS, diluted2.01 +97.1%Fiscal year 2020Revenue16.9 −4.7%Net income32.2 −5.0%EPS, diluted2.00 −0.5%Fiscal year 2021Revenue19.6 +15.9%Net income40.5 +26.0%EPS, diluted2.63 +31.5%Fiscal year 2022Revenue24.5 +25.0%Net income39.4 −2.8%EPS, diluted2.60 −1.1%Fiscal year 2023Revenue30.4 +24.1%Net income43.0 +9.0%EPS, diluted2.73 +5.0%Fiscal year 2024Revenue19.1 −37.2%Net income31.7 −26.3%EPS, diluted2.01 −26.4%Fiscal year 2025Revenue19.0 −0.5%Net income46.2 +45.9%EPS, diluted2.64 +31.3%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 13.3 13.6 15.3 17.8 16.9 19.6 24.5 30.4 19.1 19.0
Growth +2.5% +12.3% +16.1% −4.7% +15.9% +25.0% +24.1% −37.2% −0.5%
Net income 17.2 15.9 14.1 33.9 32.2 40.5 39.4 43.0 31.7 46.2
Growth −7.8% −10.9% +139.6% −5.0% +26.0% −2.8% +9.0% −26.3% +45.9%
EPS, diluted 1.57 1.28 1.02 2.01 2.00 2.63 2.60 2.73 2.01 2.64
Growth −18.5% −20.3% +97.1% −0.5% +31.5% −1.1% +5.0% −26.4% +31.3%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Net margin129.4%Free cash flow margin114.8%Fiscal year 2017Net margin116.4%Free cash flow margin145.2%Fiscal year 2018Net margin92.3%Free cash flow margin118.5%Fiscal year 2019Net margin190.5%Free cash flow margin200.2%Fiscal year 2020Net margin190.0%Free cash flow margin181.0%Fiscal year 2021Net margin206.5%Free cash flow margin197.8%Fiscal year 2022Net margin160.7%Free cash flow margin76.1%Fiscal year 2023Net margin141.1%Free cash flow margin194.7%Fiscal year 2024Net margin165.7%Free cash flow margin230.4%Fiscal year 2025Net margin242.9%Free cash flow margin221.4%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin 129.4% 116.4% 92.3% 190.5% 190.0% 206.5% 160.7% 141.1% 165.7% 242.9%
Free cash flow margin 114.8% 145.2% 118.5% 200.2% 181.0% 197.8% 76.1% 194.7% 230.4% 221.4%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow17.7Capital expenditure−2.4Free cash flow15.3Dividends paid−3.3Fiscal year 2017Operating cash flow20.8Capital expenditure−1.0Free cash flow19.8 +29.7%Buybacks−0.0Dividends paid−3.7Fiscal year 2018Operating cash flow19.6Capital expenditure−1.5Free cash flow18.2 −8.3%Dividends paid−4.7Fiscal year 2019Operating cash flow38.8Capital expenditure−3.2Free cash flow35.6 +96.1%Buybacks−3.9Dividends paid−7.2Fiscal year 2020Operating cash flow32.7Capital expenditure−2.0Free cash flow30.7 −13.8%Buybacks−13.5Dividends paid−7.1Fiscal year 2021Operating cash flow40.8Capital expenditure−1.9Free cash flow38.8 +26.6%Buybacks−22.3Dividends paid−8.0Fiscal year 2022Operating cash flow25.2Capital expenditure−6.5Free cash flow18.7 −51.9%Buybacks−16.9Dividends paid−8.5Fiscal year 2023Operating cash flow62.7Capital expenditure−3.4Free cash flow59.3 +217.4%Buybacks−1.6Dividends paid−9.6Fiscal year 2024Operating cash flow48.2Capital expenditure−4.2Free cash flow44.1 −25.7%Buybacks−0.2Dividends paid−10.1Fiscal year 2025Operating cash flow43.3Capital expenditure−1.2Free cash flow42.1 −4.4%Buybacks−0.2Dividends paid−11.8
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 17.7 20.8 19.6 38.8 32.7 40.8 25.2 62.7 48.2 43.3
Capital expenditure −2.4 −1.0 −1.5 −3.2 −2.0 −1.9 −6.5 −3.4 −4.2 −1.2
Free cash flow 15.3 19.8 18.2 35.6 30.7 38.8 18.7 59.3 44.1 42.1
Growth +29.7% −8.3% +96.1% −13.8% +26.6% −51.9% +217.4% −25.7% −4.4%
Buybacks n/a −0.0 n/a −3.9 −13.5 −22.3 −16.9 −1.6 −0.2 −0.2
Dividends paid −3.3 −3.7 −4.7 −7.2 −7.1 −8.0 −8.5 −9.6 −10.1 −11.8

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2016Shareholders’ equity137.6Fiscal year 2017Cash40.5Shareholders’ equity184.5Fiscal year 2018Cash41.8Shareholders’ equity298.9Fiscal year 2019Cash46.6Shareholders’ equity330.1Fiscal year 2020Cash137.0Shareholders’ equity350.1Fiscal year 2021Cash264.2Shareholders’ equity355.2Fiscal year 2022Cash43.4Shareholders’ equity328.8Fiscal year 2023Cash60.4Shareholders’ equity372.0Fiscal year 2024Cash63.2Shareholders’ equity388.5Fiscal year 2025Cash77.3Shareholders’ equity543.5
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash n/a 40.5 41.8 46.6 137.0 264.2 43.4 60.4 63.2 77.3
Shareholders’ equity 137.6 184.5 298.9 330.1 350.1 355.2 328.8 372.0 388.5 543.5

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
179.2% 163.0% 109.6% 222.5% 219.1% 246.4% 191.7% 166.2% 191.3% 290.4%
129.4% 116.4% 92.3% 190.5% 190.0% 206.5% 160.7% 141.1% 165.7% 242.9%
114.8% 145.2% 118.5% 200.2% 181.0% 197.8% 76.1% 194.7% 230.4% 221.4%
Spending
18.3% 7.4% 9.6% 18.0% 11.6% 9.8% 26.5% 11.3% 21.9% 6.1%
27.8% 28.6% 15.7% 14.4% 13.3% 16.2% 16.2% 15.1% 13.4% 16.3%
Returns
12.5% 8.6% 4.7% 10.3% 9.2% 11.4% 12.0% 11.5% 8.2% 8.5%
1.3% 1.0% 0.7% 1.5% 1.2% 1.3% 1.1% 1.1% 0.8% 1.1%
Balance and payout
90.0% 87.9% 86.0% 85.7% 87.4% 88.2% 90.8% 90.4% 90.5% 87.5%
18.9% 23.2% 33.6% 21.2% 22.1% 19.8% 21.5% 22.3% 31.8% 25.6%
21.3% 18.6% 26.2% 31.2% 67.0% 78.1% 135.9% 18.9% 23.2% 28.5%