CIVISTA BANCSHARES, INC. CIVB

Latest FY: 2025 Financial Services Banks - Regional
Market Price $27.32
Market Cap $568.42M
P/E Ratio 10.35
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑11.7% YoY
$172.55M
3-Yr CAGR: 7.4%
Net Income ↑45.9% YoY
$46.21M
Net Margin: 26.8%
Free Cash Flow ↓-4.4% YoY
$42.12M
FCF Yield: 7.41%
EPS (Diluted) ↑31.3% YoY
$2.64
Basic: $2.64
Return on Equity Efficiency
8.5%
ROA: 1.1%

📊 Multi-Year Historical Performance & Trends

Financial Performance History Revenue, Net Income & Free Cash Flow
Margins Trend (%) Gross, Operating & Net Margins
Balance Sheet Strength Cash, Debt & Equity
Cash Flow Generation Operating Cash Flow vs CapEx vs FCF

📈 Year-over-Year (YoY) Growth History (CIVB)

All monetary values in millions ($M)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $66.4M $63.1M $17.2M $1.57 $0.30 1.53% $17.7M $15.3M
FY 2017 $70.8M +6.7% $66.7M $15.9M -7.8% $1.28 -18.5% $0.30 1.35% $20.8M $19.8M +29.7%
FY 2018 $84.2M +18.9% $76.7M $14.1M -10.9% $1.02 -20.3% $0.34 1.97% $20.0M $18.5M -6.7%
FY 2019 $107.5M +27.7% $94.6M $33.9M +139.6% $2.01 +97.1% $0.43 1.78% $39.5M $36.3M +96.5%
FY 2020 $117.9M +9.6% $107.8M $32.2M -5.0% $2.00 -0.5% $0.44 2.52% $32.2M $30.2M -16.8%
FY 2021 $126.9M +7.6% $120.6M $40.5M +26.0% $2.63 +31.5% $0.52 2.15% $40.8M $38.8M +28.4%
FY 2022 $139.3M +9.8% $128.2M $39.4M -2.8% $2.60 -1.1% $0.57 2.58% $25.2M $18.7M -51.9%
FY 2023 $162.7M +16.8% $105.4M $43.0M +9.0% $2.73 +5.0% $0.63 3.43% $62.7M $59.3M +217.4%
FY 2024 $154.5M -5.0% $64.5M $31.7M -26.3% $2.01 -26.4% $0.65 3.11% $48.2M $44.1M -25.7%
FY 2025 $172.6M +11.7% $90.1M $46.2M +45.9% $2.64 +31.3% $0.68 3.06% $43.3M $42.1M -4.4%
$

Valuation

Market Price $27.32
Market Cap $568.42M
Enterprise Value N/A
P/E Ratio 10.35
P/B Ratio 1.04
FCF Yield 7.41%
Dividend Yield 2.49%
Shares Outstanding 20,783,300
%

Profitability & Margins

Gross Margin 52.24%
Operating Margin 32.01%
Net Margin 26.78%
Return on Equity (ROE) 8.50%
Return on Assets (ROA) 1.07%
Asset Turnover 0.04x
Revenue 3-Yr CAGR 7.40%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 0.000
Debt / Assets 0.000
Cash & Equivalents N/A
Total Debt N/A
Book Value / Share $26.15
💧

Cash Flow Efficiency

Operating Cash Flow $43.27M
Capital Expenditures (CapEx) $1.16M
Free Cash Flow $42.12M
OCF / Revenue 25.08%
FCF / Revenue 24.41%
FCF 3-Yr CAGR 31.14%
🏷️

Per Share Metrics

EPS (Diluted) $2.64
EPS (Basic) $2.64
Dividends / Share $0.68
Book Value / Share $26.15
EPS YoY Growth 31.34%
🏛️

Balance Sheet (FY 2025)

Total Assets $4.34B
Total Liabilities $3.79B
Stockholders' Equity $543.47M
Current Assets N/A
Current Liabilities N/A