MARKETS / NASDAQ / Financials / Banks / CIVB

NASDAQ · STATE COMMERCIAL BANKS · MID CAP

Civista Bancshares, Inc. CIVB

16 fiscal years on record · USD · FY2025 reported · SEC filings only

3 YEARS OF DIVIDEND GROWTH

Net income

$46.2M

▲ 45.9% YoY

Free cash flow

$42.1M

▼ 4.4% YoY

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Growth

Revenue, FY2025 · full 16-year series below

Compound annual growth

Net income

+5.4%

+7.5%

+13.7%

EPS, diluted

+0.5%

+5.7%

+8.5%

Dividend / share

+13.6%

Returned to shareholders

−22.5%

−10.5%

+14.2%

3 yrs

5 yrs

10 yrs

15 yrs

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

ROE

FY2025 · ROE 9.9%

5%10%

201020172025

Three returns, three denominators.

Return on equity9.9%

Return on assets1.1%

Return on capital employedNot available: we don't have total assets or current liabilities for this period.

Gross margin·

Operating margin·

Net margin·

EBITDAUSD 63.5M

Each USD of equity produced 10 cents of profit this year.

Cash & shareholders

USD 11.8M

returned in FY2025 · dividends + net buybacks

Free cash flow $M

FY2025 · FCF 42.1

25.0M50.0M

201020172025

Net buybacks $M Dividends $M

FY2025 · Dividends 11.8 · Net buybacks -75.5

15M30M-30M-60MDividendsNet buybacks

2013201520172019202120232025

Dividends paidUSD 11.8M

Net buybacksUSD -75.5M

Share of profit25.6%

Consecutive raises3 years (since the 2013 share-count change)

USD 11.8M in dividends — 26% of the year's profit went back to shareholders.

Total assetsUSD 4.3B

EquityUSD 543.5M

CashUSD 77.3M

DepositsUSD 3.5B

Equity funds 13% of total assets.

The 16-year record

16 fiscal years

Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative—not applicable◌not available in our data

CIVB, 16-year financial record
Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010
Revenue $B	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌
Operating income $B	0.1	0.0	0.1	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	◌	◌	◌
EBITDA $B	0.1	0.0	0.1	0.1	0.1	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	◌	◌	◌
Income tax $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	−0.0
Net income $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	−0.0
Free cash flow $B	0.0	0.0	0.1	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
EPS, diluted $	2.64	2.01	2.73	2.60	2.63	2.00	2.01	1.02	1.28	1.57	1.17	0.85	0.64	0.57	0.36	◌
Dividend / sh $	◌	◌	◌	◌	◌	◌	◌	◌	◌	0.22	0.20	0.19	0.15	0.12	0.03	◌
Payout %	26	32	22	22	20	22	21	34	23	19	25	35	37	—	—	—
ROE %	9.9	8.3	12.3	11.5	11.5	9.5	10.8	5.9	9.9	13.1	10.6	7.8	5.3	5.4	4.0	−1.3

Slide the table for earlier years. "—" not applicable · "◌" not available in our data.

Other companies filing in the same sector

UNH · BRK-A · BRK-B · CI · ELV · CNC

Provenance

Company facts, as filed

How we verify · 0 failures · 2 divergences in 47 reconciliationsAUDITED

Reconciled in 14 of the 16 fiscal years we could check. 2 of those reconciliations are divergences — the figures exist but don't fit the formula this check expects; that isn't the same as an error. Four checks were skipped: EPS is not tagged before 2011. Three checks were skipped: the balance sheet is not tagged before 2010.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidityCurrency consistency0 failures2 divergent

ActivityState Commercial Banks

Listed onNASDAQ

Incorporated inOhio

Fiscal year endsDecember 31

Data on record since2010