CIVB
Civista Bancshares Inc
NASDAQ: CIVB · FINANCIAL SERVICES · BANKS - REGIONAL
$25.07
+0.80% today
Updated 2026-05-01
Market cap
$516.88M
P/E ratio
9.21
P/S ratio
2.90x
EPS (TTM)
$2.70
Dividend yield
2.78%
52W range
$19 – $26
Volume
0.1M
Civista Bancshares Inc (CIVB) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $52.55M | $57.45M | $72.24M | $65.34M | $61.98M | $58.27M | $57.33M | $56.29M | $59.04M | $64.31M | $69.09M | $74.08M | $90.74M | $118.61M | $126.18M | $134.19M | $152.98M | $217.48M | $241.90M | $254.95M |
| Revenue growth (YoY) | — | +9.3% | +25.7% | -9.5% | -5.1% | -6.0% | -1.6% | -1.8% | +4.9% | +8.9% | +7.4% | +7.2% | +22.5% | +30.7% | +6.4% | +6.4% | +14.0% | +42.2% | +11.2% | +5.4% |
| Cost of revenue | $16.74M | $21.39M | $29.99M | $28.24M | $28.40M | $17.30M | $12.58M | $6.01M | $5.60M | $4.51M | $2.01M | $4.09M | $8.35M | $13.99M | $20.25M | $10.46M | $17.70M | $61.67M | $95.35M | $85.78M |
| Gross profit | $35.80M | $36.06M | $42.25M | $37.10M | $33.58M | $40.98M | $44.75M | $50.29M | $53.43M | $59.80M | $67.09M | $69.99M | $82.39M | $104.62M | $105.93M | $123.73M | $135.28M | $155.80M | $146.55M | $169.17M |
| Gross margin | 68.1% | 62.8% | 58.5% | 56.8% | 54.2% | 70.3% | 78.1% | 89.3% | 90.5% | 93.0% | 97.1% | 94.5% | 90.8% | 88.2% | 84.0% | 92.2% | 88.4% | 71.6% | 60.6% | 66.4% |
| R&D | — | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — | — |
| SG&A | $14.35M | $13.62M | $20.90M | $20.04M | $21.35M | $21.39M | $22.30M | $27.09M | $24.76M | $26.32M | $27.48M | $32.37M | $46.11M | $42.65M | $43.21M | $45.75M | $51.86M | $59.93M | $64.45M | $72.78M |
| Operating income | $8.83M | $9.90M | $-37.61M | $1.42M | $-3.10M | $4.80M | $7.30M | $7.55M | $12.69M | $17.53M | $23.84M | $22.23M | $16.78M | $39.56M | $37.13M | $48.38M | $47.03M | $50.61M | $36.57M | $55.23M |
| Operating margin | 16.8% | 17.2% | -52.1% | 2.2% | -5.0% | 8.2% | 12.7% | 13.4% | 21.5% | 27.3% | 34.5% | 30.0% | 18.5% | 33.4% | 29.4% | 36.1% | 30.7% | 23.3% | 15.1% | 21.7% |
| EBITDA | $10.38M | $11.16M | $-34.16M | $4.52M | $-291000.00 | $7.52M | $9.77M | $9.73M | $14.63M | $19.43M | $25.79M | $24.07M | $18.66M | $42.75M | $40.30M | $51.25M | $52.79M | $62.95M | $47.60M | $55.23M |
| EBITDA margin | 19.7% | 19.4% | -47.3% | 6.9% | -0.5% | 12.9% | 17.0% | 17.3% | 24.8% | 30.2% | 37.3% | 32.5% | 20.6% | 36.0% | 31.9% | 38.2% | 34.5% | 28.9% | 19.7% | 21.7% |
| EBIT | $8.83M | $9.90M | $-37.61M | $1.42M | $-3.10M | $4.80M | $7.30M | $7.55M | $12.69M | $17.53M | $23.84M | $22.23M | $16.78M | $39.56M | $37.13M | $48.38M | $47.03M | $50.61M | $36.57M | — |
| Interest expense | $15.62M | $20.37M | $21.78M | $14.92M | $10.46M | $7.50M | $6.18M | $4.91M | $4.10M | $3.31M | $3.31M | $4.09M | $7.57M | $12.95M | $10.14M | $9.63M | $15.95M | $57.24M | $89.98M | $82.40M |
| Income tax | $2.67M | $3.01M | $1.37M | $-237000.00 | $-1.83M | $847000.00 | $1.73M | $1.37M | $3.16M | $4.78M | $6.62M | $6.36M | $2.64M | $5.68M | $4.94M | $7.83M | $7.61M | $7.65M | $4.89M | $9.02M |
| Effective tax rate | 30.2% | 30.4% | -3.6% | -16.7% | 59.1% | 17.6% | 23.6% | 18.2% | 24.9% | 27.3% | 27.8% | 28.6% | 15.7% | 14.4% | 13.3% | 16.2% | 16.2% | 15.1% | 13.4% | 16.3% |
| Net income | $6.16M | $6.88M | $-38.98M | $1.66M | $-1.27M | $3.96M | $5.58M | $6.18M | $9.53M | $12.74M | $17.22M | $15.87M | $14.14M | $33.88M | $32.19M | $40.55M | $39.43M | $42.96M | $31.68M | $46.21M |
| Net income growth (YoY) | — | +11.8% | -666.1% | +104.2% | -176.6% | +412.1% | +41.0% | +10.8% | +54.2% | +33.8% | +35.1% | -7.8% | -10.9% | +139.6% | -5.0% | +26.0% | -2.8% | +9.0% | -26.3% | +45.9% |
| Profit margin | 11.7% | 12.0% | -54.0% | 2.5% | -2.0% | 6.8% | 9.7% | 11.0% | 16.1% | 19.8% | 24.9% | 21.4% | 15.6% | 28.6% | 25.5% | 30.2% | 25.8% | 19.8% | 13.1% | 18.1% |