Civista Bancshares, Inc. (CIVB) Income Statement Analysis

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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)

Industry: Banks - Regional

Sector: Financial Services

Website: https://www.civb.com

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

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