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Civista Bancshares Inc
NASDAQ:CIVB

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Civista Bancshares Inc Logo
Civista Bancshares Inc
NASDAQ:CIVB
Watchlist
Price: 22.58 USD 0.67% Market Closed
Market Cap: $468.5m
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Financials Section:
Income Statement Balance Sheet Cash Flow Statement

Income Statement

Net Interest Income
+
3Y
+26%
5Y
+54%
10Y
+192%
Non Interest Income
+
3Y
+17%
5Y
+20%
10Y
+138%
Net Income
+
3Y
+18%
5Y
+43%
10Y
+311%

Income Statement
Civista Bancshares Inc

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Income Statement
Currency: USD
Mar-2002 Jun-2002 Sep-2002 Dec-2002 Mar-2003 Jun-2003 Sep-2003 Dec-2003 Mar-2004 Jun-2004 Sep-2004 Dec-2004 Mar-2005 Jun-2005 Sep-2005 Dec-2005 Mar-2006 Jun-2006 Sep-2006 Dec-2006 Mar-2007 Jun-2007 Sep-2007 Dec-2007 Mar-2008 Jun-2008 Sep-2008 Dec-2008 Mar-2009 Jun-2009 Sep-2009 Dec-2009 Mar-2010 Jun-2010 Sep-2010 Dec-2010 Mar-2011 Jun-2011 Sep-2011 Dec-2011 Mar-2012 Jun-2012 Sep-2012 Dec-2012 Mar-2013 Jun-2013 Sep-2013 Dec-2013 Mar-2014 Jun-2014 Sep-2014 Dec-2014 Mar-2015 Jun-2015 Sep-2015 Dec-2015 Mar-2016 Jun-2016 Sep-2016 Dec-2016 Mar-2017 Jun-2017 Sep-2017 Dec-2017 Mar-2018 Jun-2018 Sep-2018 Dec-2018 Mar-2019 Jun-2019 Sep-2019 Dec-2019 Mar-2020 Jun-2020 Sep-2020 Dec-2020 Mar-2021 Jun-2021 Sep-2021 Dec-2021 Mar-2022 Jun-2022 Sep-2022 Dec-2022 Mar-2023 Jun-2023 Sep-2023 Dec-2023 Mar-2024 Jun-2024 Sep-2024 Dec-2024 Mar-2025 Jun-2025 Sep-2025 Dec-2025
Revenue
Net Interest Income
20
21
23
24
26
26
25
25
24
24
24
26
27
29
31
31
31
31
31
30
30
29
29
30
32
35
38
41
41
40
40
40
41
41
42
42
42
41
41
41
41
41
41
41
40
40
40
40
40
41
41
42
43
44
46
47
49
50
50
50
51
51
53
55
56
58
60
66
73
80
85
85
86
86
87
90
91
93
96
95
95
95
101
110
120
127
128
125
121
146
144
117
149
128
133
139
Interest Income
34
34
35
36
37
36
34
33
32
32
32
34
36
39
42
42
43
44
45
46
47
47
48
50
54
58
61
62
60
58
56
55
54
54
53
52
51
50
49
49
49
48
48
47
46
45
45
45
45
45
46
46
46
48
49
51
52
53
53
54
54
55
56
59
61
63
66
74
82
91
97
98
98
98
99
100
101
102
103
102
101
101
108
121
138
155
169
183
188
195
202
207
210
216
218
221
Interest Expense
14
13
12
12
11
10
9
8
8
8
8
8
9
10
11
12
12
13
14
16
17
18
19
20
22
23
22
22
20
18
17
15
14
12
11
10
10
9
8
8
7
7
7
6
6
5
5
5
5
5
4
4
4
4
3
3
3
3
3
3
3
3
4
4
4
5
6
8
9
11
13
13
13
12
11
10
9
8
7
10
9
10
7
16
25
28
48
57
71
82
112
90
89
88
85
82
Non Interest Income
6
7
7
7
8
8
8
8
7
7
7
7
8
8
8
8
7
7
7
7
7
7
7
8
8
9
9
10
9
10
10
10
10
10
10
9
10
10
10
10
10
11
11
11
12
12
12
12
13
14
14
14
14
14
14
14
15
16
16
16
16
16
16
16
17
17
17
18
19
20
22
22
23
25
26
28
31
33
32
32
30
27
26
29
33
36
38
37
35
45
46
38
46
33
33
34
Revenue
26
N/A
28
+7%
30
+7%
31
+3%
33
+7%
33
+1%
33
-1%
33
-1%
32
-3%
31
-1%
31
0%
33
+5%
35
+7%
37
+5%
39
+4%
39
0%
38
-1%
38
0%
37
-2%
37
-1%
36
-2%
36
-1%
37
+1%
37
+2%
40
+9%
44
+8%
48
+9%
50
+5%
50
0%
50
-1%
49
-1%
50
+1%
50
+1%
51
+1%
51
+1%
51
-1%
51
+1%
51
0%
51
+0%
51
+1%
52
+1%
52
+1%
52
-1%
52
+0%
52
0%
51
-1%
52
+1%
52
+1%
54
+3%
55
+2%
55
+1%
56
+1%
56
+1%
58
+3%
60
+3%
62
+3%
64
+4%
65
+2%
66
+1%
66
+1%
67
+1%
67
+1%
68
+1%
71
+4%
73
+3%
75
+2%
77
+3%
84
+10%
92
+9%
100
+8%
106
+7%
108
+1%
109
+1%
111
+2%
114
+3%
118
+4%
122
+3%
126
+3%
128
+2%
127
-1%
124
-2%
121
-2%
127
+4%
139
+10%
152
+9%
163
+7%
166
+2%
163
-2%
156
-4%
191
+22%
190
0%
154
-19%
195
+26%
161
-17%
167
+3%
173
+4%
Pre-Tax Income
Loan Loss Provision
(2)
(2)
(2)
(1)
(1)
(1)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(1)
(2)
(1)
(2)
(5)
(6)
(8)
(9)
(9)
(10)
(13)
(15)
(17)
(20)
(18)
(17)
(15)
(11)
(10)
(9)
(8)
(8)
(6)
(5)
(3)
(2)
(1)
(1)
(2)
(2)
(2)
(1)
(1)
(1)
(1)
(1)
1
1
1
1
0
0
0
0
0
(0)
(1)
(1)
0
(1)
(1)
0
0
0
0
(1)
(1)
(1)
(1)
(0)
(1)
(1)
(2)
(2)
(3)
(3)
(4)
(6)
(9)
(9)
(5)
(7)
(4)
(3)
(3)
Non Interest Expense
(17)
(18)
(19)
(20)
(21)
(22)
(22)
(23)
(23)
(23)
(23)
(24)
(26)
(28)
(29)
(28)
(28)
(27)
(27)
(27)
(27)
(27)
(26)
(26)
(29)
(32)
(35)
(80)
(79)
(79)
(79)
(35)
(35)
(35)
(35)
(36)
(36)
(36)
(37)
(37)
(37)
(38)
(37)
(38)
(39)
(39)
(41)
(43)
(44)
(43)
(43)
(42)
(42)
(43)
(43)
(43)
(43)
(43)
(44)
(44)
(44)
(46)
(47)
(49)
(49)
(53)
(63)
(67)
(71)
(72)
(66)
(67)
(70)
(75)
(79)
(81)
(80)
(81)
(80)
(79)
(79)
(77)
(80)
(91)
(98)
(105)
(110)
(108)
(108)
(136)
(137)
(113)
(140)
(111)
(111)
(114)
Pre-Tax Income
8
N/A
9
+12%
10
+12%
10
+4%
11
+7%
11
-2%
9
-12%
8
-17%
7
-13%
6
-6%
6
-1%
7
+8%
7
+9%
7
+2%
8
+7%
10
+21%
9
-1%
10
+4%
9
-4%
9
-7%
8
-5%
9
+3%
9
+3%
10
+11%
10
N/A
7
-29%
7
-6%
(38)
N/A
(38)
-2%
(38)
+1%
(39)
-3%
1
N/A
0
-81%
(1)
N/A
(4)
-406%
(3)
+14%
(2)
+35%
(1)
+60%
3
N/A
5
+55%
6
+18%
6
+11%
7
+5%
7
+11%
8
+11%
9
+10%
9
+2%
8
-16%
9
+14%
10
+11%
11
+11%
13
+19%
13
+6%
15
+10%
16
+9%
18
+9%
20
+13%
23
+15%
23
+2%
24
+2%
24
0%
21
-10%
21
N/A
22
+4%
24
+8%
22
-7%
14
-38%
17
+22%
20
+20%
27
+35%
40
+46%
40
+0%
37
-6%
34
-8%
34
0%
37
+9%
41
+11%
44
+8%
47
+6%
48
+1%
45
-5%
44
-3%
45
+4%
47
+3%
52
+12%
55
+5%
54
-2%
51
-6%
42
-16%
46
+8%
44
-5%
37
-16%
49
+33%
46
-5%
52
+12%
55
+6%
Net Income
Tax Provision
(2)
(2)
(3)
(3)
(3)
(3)
(3)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(3)
(2)
(2)
(1)
(1)
(1)
(1)
0
1
1
2
2
1
1
(0)
(1)
(1)
(1)
(1)
(2)
(2)
(2)
(2)
(1)
(2)
(2)
(2)
(3)
(3)
(4)
(4)
(5)
(6)
(6)
(7)
(7)
(7)
(6)
(6)
(6)
(5)
(4)
(3)
(3)
(3)
(5)
(6)
(6)
(5)
(4)
(4)
(5)
(6)
(7)
(7)
(7)
(7)
(7)
(7)
(8)
(9)
(9)
(9)
(8)
(6)
(6)
(6)
(5)
(7)
(7)
(8)
(9)
Income from Continuing Operations
6
6
7
7
8
7
7
6
5
5
4
5
5
5
6
7
7
7
7
6
6
6
6
7
7
5
5
(39)
(40)
(39)
(40)
2
1
0
(2)
(1)
(1)
0
3
4
4
5
5
6
6
7
7
6
7
8
8
10
10
11
12
13
14
16
17
17
17
16
16
16
19
18
11
14
17
22
34
34
32
30
30
32
35
38
40
41
38
37
38
39
44
46
45
43
36
40
38
32
42
39
44
46
Net Income (Common)
6
N/A
6
+13%
7
+9%
7
+4%
8
+6%
7
-3%
7
-10%
6
-15%
5
-13%
5
-6%
4
-3%
5
+8%
5
+6%
5
+1%
6
+8%
7
+20%
7
-2%
7
+4%
7
-4%
6
-6%
6
-5%
6
+4%
6
+3%
7
+9%
7
+1%
5
-27%
5
-5%
(39)
N/A
(40)
-2%
(40)
0%
(41)
-3%
1
N/A
(0)
N/A
(1)
-263%
(3)
-217%
(2)
+13%
(2)
+28%
(1)
+45%
2
N/A
3
+71%
3
+19%
4
+12%
4
+5%
4
+13%
5
+14%
6
+15%
6
+4%
5
-16%
5
+9%
6
+8%
7
+10%
8
+18%
8
+9%
9
+11%
10
+10%
11
+9%
13
+14%
15
+16%
15
+3%
16
+3%
16
+0%
14
-10%
14
+0%
15
+2%
17
+16%
16
-3%
9
-42%
13
+40%
16
+21%
22
+36%
33
+51%
33
+0%
31
-5%
29
-6%
30
+0%
32
+9%
35
+9%
38
+8%
40
+5%
40
+2%
38
-6%
37
-4%
38
+4%
39
+2%
43
+10%
45
+5%
44
-2%
41
-6%
35
-15%
39
+10%
37
-5%
31
-16%
41
+33%
39
-5%
43
+12%
46
+6%
EPS (Diluted)
1.36
N/A
1.23
-10%
1.35
+10%
1.48
+10%
1.49
+1%
1.46
-2%
1.31
-10%
1.1
-16%
0.97
-12%
0.91
-6%
0.88
-3%
0.92
+5%
0.87
-5%
0.9
+3%
0.96
+7%
1.15
+20%
1.14
-1%
1.25
+10%
1.2
-4%
1.12
-7%
1.08
-4%
1.12
+4%
1.17
+4%
1.25
+7%
0.9
-28%
0.65
-28%
0.62
-5%
-5.06
N/A
-5.14
-2%
-5.14
N/A
-5.27
-3%
0.09
N/A
-0.03
N/A
-0.11
-267%
-0.36
-227%
-0.32
+11%
-0.22
+31%
-0.12
+45%
0.22
N/A
0.36
+64%
0.43
+19%
0.48
+12%
0.5
+4%
0.57
+14%
0.65
+14%
0.75
+15%
0.78
+4%
0.64
-18%
0.5
-22%
0.54
+8%
0.6
+11%
0.7
+17%
0.76
+9%
0.85
+12%
0.93
+9%
1.02
+10%
1.16
+14%
1.35
+16%
1.39
+3%
1.42
+2%
1.35
-5%
1.12
-17%
1.13
+1%
1.17
+4%
1.34
+15%
1.3
-3%
0.81
-38%
0.94
+16%
0.95
+1%
1.28
+35%
1.95
+52%
1.95
N/A
1.95
N/A
1.84
-6%
1.84
N/A
2
+9%
2.22
+11%
2.42
+9%
2.62
+8%
2.63
+0%
2.56
-3%
2.51
-2%
2.48
-1%
2.6
+5%
2.82
+8%
2.96
+5%
2.9
-2%
2.73
-6%
2.32
-15%
2.45
+6%
2.33
-5%
2.01
-14%
2.68
+33%
2.5
-7%
2.32
-7%
2.64
+14%

See Also

Summary
CIVB intrinsic value, competitors valuation, and company profile.
DCF Valuation
CIVB stock valuation using Discount Cash Flow valuation method.
Relative Valuation
CIVB stock valuation using valuation multiples.
Wall Street Estimates
CIVB price targets and financial estimates made by Wall st analysts.
Profitability Analysis
Detailed analysis of the company's profitability.
Solvency Analysis
Analysis of the financial position and solvency of the company.
Financials
Income Statement, Balance Sheet, Cash Flow Statement.
Discount Rate
CIVB stock discount rate: cost of equity and WACC.
Summary
DCF Valuation
Relative Valuation
Wall Street Estimates
Profitability Analysis
Solvency Analysis
Financials
Discount Rate
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