CIVB

MKT CAP:$515M

Civista Bancshares, Inc.

Market Cap

$515M

Financial Services·Banks - Regional·🇺🇸 United States·NASDAQ

Financials·Banks - Regional·🇺🇸·NASDAQ

Stock Price

$24.53+$2.65 (+12.11%)

Apr 23, 2026

Company Details

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 e...

CEO

Dennis G. Shaffer

IPO Date

Apr 6, 1994

Website

www.civb.com

Key Metrics TTM

Revenue

$216M

— YoY

Net Income

$45M

EPS (Diluted)

$2.46

Free Cash Flow

$25M

Revenue / Share

$10.44

Gross Margin

69.9%

Operating Margin

20.5%

Net Margin

20.8%

FCF Margin

11.6%

P/S

2.4x

P/E

11.4x

Earnings Reports

Q1 2026

Apr 22, 2026

NEW

$56MEPS $0.72

FY 2025

Mar 6, 2026

$255M+5.4%EPS $2.64

Q4 2025

Mar 6, 2026

$66MEPS $0.61

FY 2024

Mar 10, 2025

$242M+11.2%EPS $2.01

Q2 2024

Aug 9, 2024

$61MEPS $0.45

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q4 19	$30M	$26M	$9M
Q3 20	$31M	$26M	$9M
Q1 21	$34M	$32M	$13M
Q2 24	$61M	$36M	$8M
Q4 25	$66M	$46M	$15M
Q1 26	$56M	$38M	$9M

Valuation

Quarter	P/S	P/E
Q4 19	—	—
Q3 20	—	—
Q1 21	—	—
Q2 24	1.5x	6.9x
Q4 25	2.0x	10.0x
Q1 26	2.1x	10.1x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q4 19	$15M	$14M
Q3 20	$14M	$13M
Q1 21	$16M	$16M
Q2 24	$12M	$12M
Q4 25	-$16M	-$16M

Capital Expenditures

Quarter	CapEx
Q4 19	$1M
Q3 20	$385.0K
Q1 21	$163.0K
Q2 24	$0
Q4 25	$542.0K

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q4 25	+121.0%	+143.9%
Q1 26	+81.2%	+114.8%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q4 19	$0	0.0%
Q3 20	$0	0.0%
Q1 21	$0	0.0%
Q2 24	$177.0K	0.3%
Q4 25	$0	0.0%

OpEx Breakdown

Quarter	G&A	S&M
Q4 19	$12M	$300.0K
Q3 20	$12M	$361.0K
Q1 21	$13M	$299.0K
Q2 24	$16M	$445.0K
Q4 25	$18M	—
Q1 26	$30M	—

War Chest

Quarter	Cash	Short-term Investments	Total
Q2 22	$235M	$531M	$765M
Q3 22	$42M	$602M	$644M
Q4 22	$45M	$615M	$660M
Q1 23	$54M	$628M	$682M
Q2 23	$43M	$617M	$660M
Q3 23	$52M	$593M	$645M
Q4 23	$62M	$618M	$680M
Q1 24	$52M	$606M	$658M
Q2 24	$57M	$610M	$667M
Q3 24	$76M	$627M	$703M
Q4 24	$65M	$265M	$330M
Q1 25	$91M	$270M	$361M
Q2 25	$75M	$643M	$717M
Q3 25	$64M	$297M	$361M
Q4 25	$77M	$685M	$762M
Q1 26	$84M	$682M	$766M

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q4 19	17M	—	—
Q3 20	16M	-4.4%	—
Q1 21	16M	-1.1%	—
Q2 24	15M	-4.3%	—
Q4 25	20M	+33.3%	+20.6%
Q1 26	21M	+2.6%	+29.5%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q4 19	$65.0K	457
Q3 20	$67.4K	457
Q1 21	$74.8K	459
Q2 24	$113.7K	532
Q4 25	$124.8K	526
Q1 26	$106.1K	526

Revenue / Employee