CIVISTA BANCSHARES, INC. financial statements

Income statement, balance sheet and cash flow statement for the last 10 fiscal years, taken from the XBRL data CIVISTA BANCSHARES, INC. files with the SEC in its annual reports.

In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.

Income statement

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	13.3	13.6	15.3	17.8	16.9	19.6	24.5	30.4	19.1	19
Interest expense	3.31	4.09	7.57	13	10.1	9.63	16	57.2
Interest income	0.4	0.5	0.74	0.85	0.61	0.45	1.12	0.98	1.01	1.22
Pre-tax income	23.8	22.2	16.8	39.6	37.1	48.4	47	50.6	36.6	55.2
Income tax	6.62	6.36	2.64	5.68	4.94	7.84	7.61	7.65	4.89	9.02
Net income	17.2	15.9	14.1	33.9	32.2	40.5	39.4	43	31.7	46.2
EPS, basic	1.96	1.48	1.10	2.12	2.00	2.63	2.60	2.73	2.01	2.64
EPS, diluted	1.57	1.28	1.02	2.01	2.00	2.63	2.60	2.73	2.01	2.64
Shares, basic (weighted)	8.01	9.91	12	15.6	16.1	15.3	15	15.2	15.4	17.4
Shares, diluted (weighted)	11	12.4	13.9	16.9	16.1	15.3	15	15.2	15.4	17.4
Dividend per share	0.22

Balance sheet

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Cash and equivalents		40.5	41.8	46.6	137	264	43.4	60.4	63.2	77.3
Property, plant and equipment	17.9	17.6	22	22.9	22.6	22.4	64	56.8	47.2	40.6
Lease right-of-use assets			3	3.27	2.68	2.31	2.11	1.63	1.06	2.39
Goodwill	27.1	27.1	76.9	76.9	76.9	76.9	126	126	126	130
Intangible assets	1.78	1.28	9.35	8.31	8.08	7.58	10.8	9.51	7.88	13.1
Total assets	1,377	1,526	2,139	2,310	2,769	3,013	3,639	3,861	4,098	4,336
Total liabilities	1,240	1,341	1,840	1,979	2,419	2,658	3,305	3,489	3,710	3,793
Retained earnings	19.3	31.7	41.3	68	93	126	156	184	205	240
Treasury stock	-17.2	-17.2	-17.2	-21.1	-34.6	-56.9	-73.8	-75.4	-75.6	-75.8
Other comprehensive income	-2.34	-1.12	-1.45	6.87	14.6	8.82	-58	-47.5	-53.4	-40.3
Shareholders' equity	138	184	299	330	350	355	329	372	389	543
Total equity	138	184	299	330	350	355	329	372	389	543
Total liabilities and equity	1,377	1,526	2,139	2,310	2,769	3,013	3,639	3,861	4,098	4,336

Cash flow statement

	FY2016	FY2017	FY2018	FY2019	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025
Net income	17.2	15.9	14.1	33.9	32.2	40.5	39.4	43	31.7	46.2
Depreciation and amortization	1.26	1.25	1.52	2.24	2.25	1.98	4.46	10.8	9.55	8.32
Stock-based compensation	0.32	0.43	0.43	0.53	0.62	0.7	0.82	0.98	0.87	0.85
Deferred income tax	0.17	0.44	0.15	0.66	-2.28	1.32	0.48	-0.68	-1.85
Cash from operations	17.7	20.8	19.6	38.8	32.7	40.8	25.2	62.7	48.2	43.3
Capital expenditures	-2.44	-1.02	-1.47	-3.2	-1.97	-1.93	-6.51	-3.43	-4.19	-1.16
Acquisitions			144				-51.6
Purchases of investments	-41.8	-70.8	-132	-71.6	-54.9	-268	-129	-14.1	-72.3	-105
Sales and maturities of investments	34.1	34.4	42.1	54.1	58.2	61.9	49.3	23.1	31.2	87.4
Cash from investing	-63.6	-146	-33.8	-151	-341	-130	-410	-312	-259	55.6
Stock issued		32.8								75.7
Share buybacks		-0		-3.91	-13.5	-22.3	-16.9	-1.63	-0.16	-0.18
Dividends paid	-3.25	-3.68	-4.75	-7.19	-7.12	-8.04	-8.49	-9.6	-10.1	-11.8
Cash from financing	47	129	16.4	117	399	217	164	266	213	-84.7
Net change in cash	1.13	3.82	2.26	4.78	90.5	127	-221	17	2.75	14.2
Free cash flow	15.3	19.8	18.2	35.6	30.7	38.8	18.7	59.3	44.1	42.1
Interest paid	3.25	3.86	7.75	12.9	10.2	6.21	10.7	48.4	90	86.5
Income taxes paid	5.9	5.95	1.6	5.7	7.1	6.18	3.15	9.51	4.89	8.06

Key metrics

Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $27.06 on September 25, 2026.

Profitability

Metric	Value	How it is calculated
Pre-tax margin	334.7%	Pre-tax income / revenue.
Net margin	277.3%	Net income / revenue.
Operating cash flow margin	295.3%	Cash from operations / revenue.
Effective tax rate	17.2%	Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)	9.6%	Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)	1.3%	Net income / average total assets.

Growth

Metric	Value	How it is calculated
Revenue growth, 1y	-0.5%	Revenue vs the same period a year earlier. Only from a positive base.
Revenue CAGR, 3y	-8.1%	Compound annual growth of revenue over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Revenue CAGR, 5y	2.3%	Compound annual growth of revenue over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Net income growth, 1y	45.9%	Net income vs the same period a year earlier. Only from a positive base.
Net income CAGR, 3y	5.4%	Compound annual growth of net income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Net income CAGR, 5y	7.5%	Compound annual growth of net income over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
EPS growth, 1y	31.3%	EPS vs the same period a year earlier. Only from a positive base.
EPS CAGR, 3y	0.5%	Compound annual growth of eps over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
EPS CAGR, 5y	5.7%	Compound annual growth of eps over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Operating cash flow growth, 1y	-10.3%	Operating cash flow vs the same period a year earlier. Only from a positive base.
Operating cash flow CAGR, 3y	19.8%	Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Operating cash flow CAGR, 5y	5.8%	Compound annual growth of operating cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Free cash flow growth, 1y	-4.4%	Free cash flow vs the same period a year earlier. Only from a positive base.
Free cash flow CAGR, 3y	31.1%	Compound annual growth of free cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Free cash flow CAGR, 5y	6.5%	Compound annual growth of free cash flow over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Book value growth, 1y	39.9%	Book value vs the same period a year earlier. Only from a positive base.
Book value CAGR, 3y	18.2%	Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value CAGR, 5y	9.2%	Compound annual growth of book value over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Total assets growth, 1y	5.8%	Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y	6.0%	Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets CAGR, 5y	9.4%	Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Share count change, 1y	13.2%	Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 3y	5.2%	Change in diluted weighted shares, per year over 3 years. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 5y	1.6%	Change in diluted weighted shares, per year over 5 years. Negative means buybacks shrank the share count; positive means dilution.

Balance sheet health

Metric	Value	How it is calculated
Liabilities / assets	86.8%	Total liabilities / total assets.
Goodwill and intangibles / assets	3.3%	(Goodwill + intangible assets) / total assets.
Tangible book value	$424.8M	Shareholders' equity - goodwill - intangible assets.

Efficiency

Metric	Value	How it is calculated
Asset turnover	0.00x	Revenue / average total assets.
Fixed asset turnover	0.52x	Revenue / average property, plant and equipment.

Per share

Metric	Value	How it is calculated
EPS, diluted	$2.62	Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
Revenue per share	$0.95	Revenue / diluted weighted shares.
Operating cash flow per share	$2.79	Cash from operations / diluted weighted shares.
Book value per share	$27.37	Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Tangible book per share	$20.51	Tangible book value / shares outstanding.
Cash per share	$2.98	(Cash + short-term investments) / shares outstanding.
Payout ratio	25.8%	Dividends paid / net income, when net income is positive.

Valuation

Metric	Value	How it is calculated
Market cap	$562.7M	Share price x shares outstanding.
Enterprise value	$500.9M	Market cap + total debt - cash - short-term investments.
P/E	10.4x	Market cap / net income. Only when net income is positive.
P/S	28.7x	Market cap / revenue.
P/B	0.99x	Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book	1.32x	Market cap / tangible book value, when positive.
P/OCF	9.72x	Market cap / cash from operations, when positive.
EV/Sales	25.6x	Enterprise value / revenue.
Earnings yield	9.7%	Net income / market cap (the inverse of P/E).
Dividend yield	2.5%	Dividends paid over the period / market cap.
Shareholder yield	2.6%	(Dividends paid + share buybacks) / market cap.
PEG	20.3x	P/E / EPS growth per year over 3 years (in percent). Only when both are positive.

What was CIVISTA BANCSHARES, INC.'s revenue in fiscal 2025?

CIVISTA BANCSHARES, INC. reported revenue of $19.0M for fiscal 2025, 0.5% lower than the year before.

Was CIVISTA BANCSHARES, INC. profitable in fiscal 2025?

Yes. Net income was $46.2M, a net margin of 242.9%.

How much free cash flow did CIVISTA BANCSHARES, INC. generate in fiscal 2025?

Cash from operations of $43.3M minus capital expenditures of $1.2M left free cash flow of $42.1M.

Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.

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