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Complete financial analysis of Civista Bancshares, Inc. (CIVB) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Civista Bancshares, Inc., a leading company in the Banks – Regional industry within the Financial Services sector.
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Civista Bancshares, Inc. (CIVB)
About Civista Bancshares, Inc.
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.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 | 1996 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 160.24M | 137.03M | 124.56M | 116.04M | 107.54M | 84.24M | 70.84M | 66.39M | 61.67M | 55.74M | 52.04M | 51.15M | 51.80M | 51.52M | 50.41M | 50.14M | 37.08M | 36.93M | 38.69M | 31.87M | 32.57M | 31.11M | 26.01M | 24.10M | 23.47M | 6.59M | 4.45M | 3.78M |
| Cost of Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1.07M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 160.24M | 137.03M | 124.56M | 116.04M | 107.54M | 83.17M | 70.84M | 66.39M | 61.67M | 55.74M | 52.04M | 51.15M | 51.80M | 51.52M | 50.41M | 50.14M | 37.08M | 36.93M | 38.69M | 31.87M | 32.57M | 31.11M | 26.01M | 24.10M | 23.47M | 6.59M | 4.45M | 3.78M |
| Gross Profit Ratio | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 98.73% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 59.93M | 51.06M | 49.17M | 46.19M | 40.99M | 44.44M | 31.09M | 26.87M | 25.45M | 24.76M | 26.84M | 22.30M | 22.83M | 20.94M | 20.60M | 17.17M | 13.62M | 14.35M | 14.57M | 12.26M | 11.57M | 9.25M | 7.76M | 7.11M | 6.91M | 7.17M | 5.92M | 5.25M |
| Selling & Marketing | 1.35M | 1.51M | 1.10M | 1.07M | 1.41M | 1.18M | 817.00K | 929.00K | 1.04M | 1.16M | 634.00K | 625.00K | 640.00K | 630.00K | 0.00 | 0.00 | 0.00 | 0.00 | 448.00K | 391.00K | 466.00K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A | 61.28M | 52.57M | 50.27M | 47.27M | 42.40M | 45.62M | 31.91M | 27.80M | 26.49M | 25.92M | 27.47M | 22.92M | 23.47M | 21.57M | 20.60M | 17.17M | 13.62M | 14.35M | 15.02M | 12.65M | 12.04M | 9.25M | 7.76M | 7.11M | 6.91M | 7.17M | 5.92M | 5.25M |
| Other Expenses | 0.00 | -127.07M | -127.27M | -126.18M | -110.38M | -104.98M | -75.17M | -65.79M | -66.13M | -64.86M | -67.05M | -60.58M | -62.97M | 575.00K | -54.67M | -83.15M | -20.43M | -26.84M | -32.48M | -29.63M | -28.49M | -18.60M | -11.05M | -7.63M | -6.82M | 11.63M | 4.17M | 5.74M |
| Operating Expenses | 107.61M | -74.49M | -77.00M | -78.91M | -67.98M | -58.82M | -43.26M | -37.99M | -39.64M | -38.95M | -39.58M | -37.66M | -39.50M | 22.15M | -34.07M | -65.97M | -6.81M | -12.49M | -17.46M | -16.97M | -16.45M | -9.35M | -3.28M | -517.00K | 92.00K | 18.80M | 10.09M | 10.98M |
| Cost & Expenses | 160.24M | -74.49M | -77.00M | -78.91M | -67.98M | -58.82M | -43.26M | -37.99M | -39.64M | -38.95M | -39.58M | -37.66M | -39.50M | 22.15M | -34.07M | -65.97M | -6.81M | -12.49M | -17.46M | -16.97M | -16.45M | -9.35M | -3.28M | -517.00K | 92.00K | 18.80M | 10.09M | 10.98M |
| Interest Income | 182.73M | 121.25M | 101.74M | 99.87M | 98.05M | 73.68M | 58.59M | 53.57M | 50.70M | 45.97M | 44.88M | 46.76M | 48.86M | 51.93M | 55.19M | 62.27M | 49.95M | 45.88M | 42.44M | 33.84M | 33.27M | 36.01M | 35.35M | 34.19M | 33.07M | 34.20M | 22.80M | 21.81M |
| Interest Expense | 57.24M | 11.05M | 6.32M | 10.14M | 12.95M | 7.57M | 4.09M | 3.31M | 3.31M | 4.10M | 4.91M | 6.18M | 7.50M | 10.46M | 14.92M | 21.78M | 20.37M | 15.62M | 11.59M | 8.16M | 8.42M | 11.72M | 15.45M | 15.76M | 15.13M | 17.30M | 9.81M | 9.25M |
| Depreciation & Amortization | 12.34M | 5.75M | 2.87M | 3.17M | 3.19M | 1.88M | 1.84M | 1.96M | 711.00K | 1.95M | 2.36M | 2.47M | 2.71M | 2.81M | 3.10M | 3.16M | 1.26M | 1.55M | 1.74M | 781.00K | 2.12M | 2.66M | 1.63M | 1.30M | 1.92M | 924.69K | 1.14M | 852.82K |
| EBITDA | 0.00 | 52.79M | 51.25M | 40.30M | 42.75M | 18.66M | 24.07M | 25.79M | 19.43M | 14.64M | 9.91M | 9.77M | 7.56M | 0.00 | 8.90M | 0.00 | 17.47M | 14.08M | 14.36M | 9.27M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| EBITDA Ratio | 0.00% | 46.58% | 38.90% | 32.79% | 37.66% | 31.14% | 39.75% | 43.83% | 36.87% | 33.62% | 28.47% | 31.19% | 28.99% | 19.75% | 38.56% | -25.28% | 85.03% | 70.38% | 59.36% | 49.20% | 55.99% | 78.51% | 93.66% | 103.27% | 108.56% | 399.42% | 352.52% | 413.23% |
| Operating Income | 0.00 | 62.54M | 47.56M | 37.13M | 39.56M | 24.35M | 27.57M | 28.40M | 22.03M | 16.79M | 12.46M | 13.49M | 12.31M | 7.37M | 16.34M | -15.83M | 30.27M | 24.44M | 21.22M | 14.90M | 16.12M | 21.77M | 22.73M | 23.58M | 23.56M | 25.39M | 14.54M | 14.76M |
| Operating Income Ratio | 0.00% | 45.64% | 38.18% | 32.00% | 36.79% | 28.91% | 38.93% | 42.78% | 35.72% | 30.13% | 23.94% | 26.37% | 23.75% | 14.30% | 32.41% | -31.57% | 81.63% | 66.18% | 54.86% | 46.75% | 49.49% | 69.96% | 87.38% | 97.85% | 100.39% | 385.38% | 326.89% | 390.66% |
| Total Other Income/Expenses | 50.61M | -3.99M | 0.00 | 0.00 | -1.08M | -13.64M | -1.09M | -1.56M | -2.08M | -2.35M | -2.82M | -3.01M | -2.76M | -3.10M | -7.48M | -37.61M | -16.33M | -5.25M | 0.00 | -1.03M | -8.42M | -11.72M | -15.45M | -15.76M | -15.13M | -17.30M | -9.81M | -9.25M |
| Income Before Tax | 50.61M | 47.04M | 47.56M | 37.13M | 39.56M | 16.78M | 22.23M | 23.84M | 17.53M | 12.69M | 7.55M | 7.30M | 4.81M | -3.10M | 1.42M | -37.61M | 9.90M | 8.83M | 9.63M | 6.74M | 7.71M | 10.04M | 7.28M | 7.82M | 8.43M | 8.09M | 4.73M | 5.51M |
| Income Before Tax Ratio | 31.59% | 34.32% | 38.18% | 32.00% | 36.79% | 19.92% | 31.39% | 35.90% | 28.42% | 22.77% | 14.51% | 14.28% | 9.28% | -6.02% | 2.81% | -75.00% | 26.69% | 23.90% | 24.90% | 21.14% | 23.65% | 32.28% | 27.97% | 32.47% | 35.92% | 122.86% | 106.29% | 145.83% |
| Income Tax Expense | 7.65M | 7.61M | 7.02M | 4.94M | 5.68M | 2.64M | 6.36M | 6.62M | 4.78M | 3.16M | 1.37M | 1.73M | 847.00K | -1.83M | -237.00K | 1.37M | 3.01M | 2.67M | 2.97M | 1.92M | 2.14M | 2.92M | 1.98M | 2.13M | 2.37M | 2.33M | 1.29M | 1.55M |
| Net Income | 42.96M | 39.43M | 40.55M | 32.19M | 33.88M | 14.14M | 15.87M | 17.22M | 12.75M | 9.53M | 6.18M | 5.58M | 3.96M | -1.27M | 1.66M | -38.98M | 6.89M | 6.16M | 6.66M | 4.81M | 5.57M | 7.13M | 5.29M | 5.69M | 6.06M | 5.76M | 3.43M | 3.96M |
| Net Income Ratio | 26.81% | 28.77% | 32.55% | 27.74% | 31.50% | 16.78% | 22.41% | 25.93% | 20.67% | 17.09% | 11.87% | 10.91% | 7.64% | -2.46% | 3.28% | -77.73% | 18.57% | 16.68% | 17.21% | 15.10% | 17.09% | 22.91% | 20.35% | 23.62% | 25.83% | 87.44% | 77.23% | 104.93% |
| EPS | 2.73 | 2.60 | 2.63 | 2.00 | 2.16 | 1.02 | 1.48 | 1.96 | 1.43 | 0.99 | 0.65 | 0.57 | 0.36 | -0.16 | 0.09 | -5.06 | 1.25 | 1.12 | 1.15 | 0.92 | 1.11 | 1.48 | 1.30 | 1.39 | 1.43 | 1.35 | 1.13 | 1.30 |
| EPS Diluted | 2.73 | 2.60 | 2.63 | 2.00 | 2.01 | 1.02 | 1.28 | 1.57 | 1.17 | 0.85 | 0.65 | 0.57 | 0.36 | -0.16 | 0.09 | -5.06 | 1.25 | 1.12 | 1.15 | 0.92 | 1.10 | 1.48 | 1.30 | 1.39 | 1.43 | 1.35 | 1.13 | 1.30 |
| Weighted Avg Shares Out | 15.15M | 14.97M | 15.34M | 16.08M | 15.65M | 13.86M | 9.91M | 8.01M | 7.82M | 7.71M | 7.71M | 7.71M | 7.71M | 7.71M | 7.71M | 7.71M | 5.51M | 5.52M | 5.80M | 5.21M | 5.03M | 4.81M | 4.07M | 4.09M | 4.24M | 4.27M | 3.04M | 3.05M |
| Weighted Avg Shares Out (Dil) | 15.15M | 14.97M | 15.34M | 16.08M | 16.85M | 13.86M | 12.35M | 10.95M | 10.92M | 10.90M | 7.71M | 7.71M | 7.71M | 7.71M | 7.71M | 7.71M | 5.51M | 5.52M | 5.81M | 5.22M | 5.04M | 4.81M | 4.07M | 4.09M | 4.24M | 4.27M | 3.04M | 3.05M |
Civista Bancshares: Raising The Earnings Estimates And Maintaining A Buy Rating
As the average loan yield is stickier than the average deposit cost, the margin will benefit from interest rate cuts. I haven't incorporated planned tariffs in my rate outlook. Loan growth is unlikely to return to the enviable level achieved...
Civista Bancshares, Inc. (CIVB) Q3 2024 Earnings Call Transcript
Civista Bancshares, Inc. (NASDAQ:CIVB ) Q3 2024 Earnings Conference Call October 29, 2024 1:00 PM ET Company Participants Dennis Shaffer - President & Chief Executive Officer Richard Dutton - Senior Vice President & Chief Operating Officer Chuck Parcher - Senior...
Compared to Estimates, Civista Bancshares (CIVB) Q3 Earnings: A Look at Key Metrics
Although the revenue and EPS for Civista Bancshares (CIVB) give a sense of how its business performed in the quarter ended September 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago...
Civista Bancshares (CIVB) Beats Q3 Earnings and Revenue Estimates
Civista Bancshares (CIVB) came out with quarterly earnings of $0.53 per share, beating the Zacks Consensus Estimate of $0.44 per share. This compares to earnings of $0.66 per share a year ago.
Civista Bancshares, Inc. Announces Third Quarter 2024 Financial Results of $0.53 per Common Share
SANDUSKY, Ohio , Oct. 29, 2024 /PRNewswire/ -- Civista Bancshares, Inc. (NASDAQ: CIVB) ("Civista") announced its unaudited financial results for the three- and nine-month periods ending September 30, 2024. Third quarter and year-to-date 2024 highlights: Net income of $8.4 million,...
Civista Bancshares, Inc. Declares Fourth Quarter Common Dividend
SANDUSKY, Ohio , Oct. 25, 2024 /PRNewswire/ -- Civista Bancshares, Inc. (NASDAQ: CIVB) ("Civista") announced today that the Board of Directors has approved a quarterly dividend of 16 cents per common share to shareholders of record November 5, 2024, payable...
Civista Bancshares, Inc. Announces Third Quarter 2024 Earnings Release Date
SANDUSKY, Ohio , Oct. 2, 2024 /PRNewswire/ -- Civista Bancshares, Inc. (NASDAQ: CIVB) ("Civista") announced today that it will issue its third quarter 2024 financial results prior to market open on Tuesday, October 29, 2024. Civista Bancshares, Inc. will also...
Civista Bancshares: Margin Likely To Drive Earnings Recovery; Valuation Isn't Bad
As the balance sheet is liability-sensitive, the margin will benefit from a falling interest-rate environment. CIVB's loan growth has been quite healthy in the past and is likely to remain decent in the future. The December 2024 target price suggests...
Civista Bancshares, Inc. (CIVB) Q2 2024 Earnings Call Transcript
Civista Bancshares, Inc. (NASDAQ:CIVB ) Q2 2024 Earnings Conference Call July 29, 2024 1:00 PM ET Company Participants Dennis Shaffer - President and Chief Executive Officer Richard Dutton - Senior Vice President and Chief Operating Officer Charles Parcher - Senior...
Civista Bancshares (CIVB) Reports Q2 Earnings: What Key Metrics Have to Say
While the top- and bottom-line numbers for Civista Bancshares (CIVB) give a sense of how the business performed in the quarter ended June 2024, it could be worth looking at how some of its key metrics compare to Wall Street...
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