CIVB (Civista Bancshares, Inc.) Stock Financials & Earnings | Market Cap Arena

CIVB (Civista Bancshares, Inc.) Stock Financials & Earnings | Market Cap Arena

CIVBCivista Bancshares, Inc.

Mkt Cap$436M

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

Revenue (TTM)$253M

Net Income (TTM)$46M

EPS (TTM)$2.66

Free Cash Flow (TTM)$17M

Gross Margin66.0%

Op. Margin21.9%

Net Margin18.3%

FCF Margin6.5%

P/S Ratio (TTM)1.7x

P/E Ratio (TTM)9.4x

YoY Rev Growth+4.5%

Employees—

Earnings Reports

Revenue & Profitability

Quarter	Revenue	Gross Profit	Op. Income
Q1 23	$53M	$42M	$15M
Q2 23	$53M	$39M	$12M
Q3 23	$54M	$38M	$12M
Q4 23	$60M	$36M	$11M
Q1 24	$58M	$34M	$7M
Q2 24	$61M	$36M	$8M
Q3 24	$62M	$37M	$10M
Q4 24	$62M	$39M	$11M
Q1 25	$61M	$38M	$12M
Q2 25	$62M	$40M	$13M
Q3 25	$64M	$43M	$16M
Q4 25	$66M	$46M	$15M

Revenue Breakdown

Valuation

Quarter	P/S	P/E
Q1 23	2.6x	10.0x
Q2 23	2.3x	9.4x
Q3 23	2.1x	9.6x
Q4 23	2.0x	10.2x
Q1 24	1.9x	12.0x
Q2 24	1.9x	13.0x
Q3 24	1.8x	13.9x
Q4 24	1.8x	13.8x
Q1 25	1.8x	12.3x
Q2 25	1.8x	11.1x
Q3 25	1.8x	10.0x
Q4 25	1.7x	9.4x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 23	$20M	$19M
Q2 23	$19M	$19M
Q3 23	$21M	$21M
Q4 23	$2M	$840K
Q1 24	$752K	$629K
Q2 24	$12M	$12M
Q3 24	$13M	$13M
Q4 24	$23M	$19M
Q1 25	$4M	$3M
Q2 25	$11M	$11M
Q3 25	$19M	$18M
Q4 25	-$16M	-$16M

Capital Expenditures

CapEx

Quarter	CapEx
Q1 23	$1M
Q2 23	$113K
Q3 23	$806K
Q4 23	$1M
Q1 24	$123K
Q2 24	$0
Q3 24	$93K
Q4 24	$4M
Q1 25	$161K
Q2 25	$220K
Q3 25	$555K
Q4 25	$542K

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q1 23	+68.0%	+74.5%
Q2 23	+70.6%	+88.0%
Q3 23	+43.7%	+71.9%
Q4 23	+27.0%	+49.1%
Q1 24	+8.1%	+33.1%
Q2 24	+13.9%	+26.5%
Q3 24	+14.2%	+24.0%
Q4 24	+2.1%	+2.3%
Q1 25	+5.6%	-2.9%
Q2 25	+2.8%	-6.0%
Q3 25	+3.2%	-7.2%
Q4 25	+6.6%	+1.4%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 23	$0	0.0%
Q2 23	$0	0.0%
Q3 23	$0	0.0%
Q4 23	$0	0.0%
Q1 24	$0	0.0%
Q2 24	$177K	0.3%
Q3 24	$0	0.0%
Q4 24	$0	0.0%
Q1 25	$0	0.0%
Q2 25	$0	0.0%
Q3 25	$0	0.0%
Q4 25	$0	0.0%

OpEx Breakdown

Quarter	G&A	S&M
Q1 23	$15M	$505K
Q2 23	$16M	$540K
Q3 23	$15M	$497K
Q4 23	$15M	—
Q1 24	$16M	$479K
Q2 24	$16M	$445K
Q3 24	$16M	$716K
Q4 24	$16M	$448K
Q1 25	$15M	$296K
Q2 25	$16M	$289K
Q3 25	$16M	$391K
Q4 25	$18M	—

War Chest

Quarter	Cash	Short-term Investments	Total
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

Shares Outstanding

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change
Q1 23	15M	-3.0%
Q2 23	15M	+0.1%
Q3 23	15M	-0.3%
Q4 23	15M	+0.1%
Q1 24	15M	-0.1%
Q2 24	15M	+0.0%
Q3 24	15M	+1.8%
Q4 24	15M	-0.0%
Q1 25	15M	+0.2%
Q2 25	15M	+0.0%
Q3 25	17M	+7.7%
Q4 25	20M	+21.6%

Revenue Per Employee

Revenue / Employee

Year	Revenue/Employee	Employees
FY 14	$195K	303
FY 15	$197K	326
FY 16	$205K	337
FY 17	$212K	350
FY 18	$210K	432
FY 19	$260K	457
FY 20	$275K	459
FY 21	$304K	441
FY 22	$289K	530
FY 23	$409K	532
FY 24	$459K	527
FY 25	$485K	526