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Civista Bancshares Inc

Civista Bancshares Inc

CIVB · NASDAQ · Financial Services / Banks - Regional

28.62USD-0.10 (-0.35%)

Price History

Full chart

Market Stats

Previous Close28.72
Open28.83
Day Range28.51 – 28.83
52-Week Range19.14 – 29.60
Volume141.30K
Market Cap562.69M
P/E (TTM)9.91
Forward P/E9.53
EPS2.73
Dividend Yield2.66%
Beta0.64
50-Day Avg27.99
200-Day Avg25.30

About

Civista Bancshares, Inc. operates as the financial holding company for Civista Bank that provides banking services in the United States. The company offers personal and commercial checking accounts; retirement, money market, time, and savings accounts; safe deposit boxes; wire transfers; and automated teller services. It also provides internet banking; ACH origination; telephone banking; and mobile/digital banking services, as well as remote deposit capture banking services for retail and business customers. In addition, the company offers time deposits that consist of certificates of deposit, including those held in IRA accounts and reciprocal deposits. Further, its loan portfolio includes commercial and agriculture; commercial real estate " owner and non-owner occupied; residential and farm real estate; real estate construction; lease financing receivable; consumer; and other loans, as well as home equity line of credit. Additionally, the company holds and manages securities portfolio; leases general equipment; and provides captive insurance products and investment advisory services. It operates in North Central, West Central, South Western Ohio, South Eastern Indiana, and Northern Kentucky. The company was formerly known as First Citizens Banc Corp and changed its name to Civista Bancshares, Inc. in May 2015. Civista Bancshares, Inc. was founded in 1884 and is headquartered in Sandusky, Ohio.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Ian Whinnem
  • Employees548
  • Headquarters100 East Water Street, Sandusky, OH, United States, 44870-2514, USA
  • Websitehttps://www.civb.com

Leadership

  • Mr. Ian WhinnemSenior VP, Treasurer & CFO · b. 1976
  • Mr. Lance A. MorrisonSenior VP, General Counsel & Corporate Secretary · b. 1968
  • Mr. Richard J. DuttonSenior Vice President · b. 1963
  • Mr. Harry SingerIndependent Director · b. 1955
  • Mr. Carl A. Kessler IIISenior VP & Chief Information Officer · b. 1969
  • Ms. Donna M. Waltz-JaskolskiSenior Vice President · b. 1967
  • Mr. Russell L. EdwardsSenior VP & Chief Retail Officer
  • Mr. Robert L. Curry Jr.Senior Vice President · b. 1969
  • Mr. Russel J. Edwards Jr.Senior Vice President · b. 1966
  • Mr. Michael D. MulfordSenior Vice President · b. 1965

Financials

Income Statement

Currency: USD1996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue13.03M14.26M23.88M38.60M39.85M41.47M42.84M40.99M40.04M50.28M52.55M57.45M72.24M65.34M61.98M58.27M57.33M56.29M59.04M64.31M69.09M74.08M90.74M118.61M126.18M134.19M152.98M217.48M241.90M254.95M
Growth (%)-+9.42%+67.53%+61.60%+3.26%+4.04%+3.31%-4.31%-2.33%+25.57%+4.52%+9.34%+25.73%-9.55%-5.14%-5.98%-1.62%-1.81%+4.88%+8.92%+7.45%+7.22%+22.49%+30.72%+6.38%+6.35%+14.00%+42.16%+11.23%+5.40%
Cost of Revenue9.62M10.24M17.66M15.40M16.56M17.26M12.90M10.36M9.97M12.71M16.74M21.39M29.99M28.24M28.40M17.30M12.58M6.01M5.60M4.51M2.01M4.09M8.35M13.99M20.25M10.46M17.70M61.67M95.35M85.78M
Gross Profit3.41M4.01M6.23M23.20M23.29M24.21M29.94M30.63M30.07M37.56M35.80M36.06M42.25M37.10M33.58M40.98M44.75M50.29M53.43M59.80M67.09M69.99M82.39M104.62M105.93M123.73M135.28M155.80M146.55M169.17M
Gross Margin26.17%28.14%26.07%60.11%58.44%58.38%69.88%74.72%75.10%74.71%68.14%62.77%58.49%56.78%54.17%70.31%78.05%89.33%90.51%92.99%97.09%94.48%90.80%88.21%83.95%92.21%88.43%71.64%60.58%66.35%
Operating Expense-2.10M-714.55K-1.87M14.77M15.47M16.93M19.89M22.93M23.33M27.93M26.98M26.16M79.86M35.68M36.68M36.17M37.44M42.73M40.74M42.27M43.25M47.76M65.61M65.06M68.80M75.35M88.25M105.19M109.98M113.94M
Operating Income5.51M4.73M8.09M8.43M7.82M7.28M10.04M7.71M6.74M9.63M8.83M9.90M-37.61M1.42M-3.10M4.80M7.30M7.55M12.69M17.53M23.84M22.23M16.78M39.56M37.13M48.38M47.03M50.61M36.57M55.23M
Operating Margin42.29%33.15%33.89%21.84%19.63%17.55%23.44%18.80%16.83%19.16%16.80%17.23%-52.06%2.17%-5.00%8.25%12.74%13.42%21.49%27.25%34.50%30.01%18.49%33.35%29.43%36.05%30.75%23.27%15.12%21.66%
EBITDA6.36M5.87M9.46M10.34M9.13M8.91M12.71M9.82M7.52M11.37M10.38M11.16M-34.16M4.52M-291.00K7.52M9.77M9.73M14.63M19.43M25.79M24.07M18.66M42.75M40.30M51.25M52.79M62.95M47.60M65.11M
EBITDA Margin48.83%41.15%39.59%26.80%22.90%21.49%29.66%23.96%18.78%22.62%19.75%19.42%-47.28%6.91%-0.47%12.90%17.04%17.29%24.79%30.22%37.33%32.49%20.56%36.04%31.94%38.19%34.51%28.95%19.68%25.54%
Net Income3.96M3.43M5.76M6.06M5.69M5.29M7.13M5.57M4.81M6.66M6.16M6.88M-38.98M1.66M-1.27M3.96M5.58M6.18M9.53M12.74M17.22M15.87M14.14M33.88M32.19M40.55M39.43M42.96M31.68M46.21M
Net Income Margin30.43%24.09%24.12%15.71%14.28%12.76%16.64%13.58%12.02%13.24%11.72%11.98%-53.96%2.53%-2.05%6.79%9.73%10.98%16.14%19.82%24.92%21.43%15.58%28.56%25.51%30.21%25.77%19.76%13.10%18.13%
R&D---------------00000000-------
R&D as % of Total Revenue---------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense9.25M9.81M17.30M15.13M15.76M15.45M11.72M8.42M8.16M11.59M15.62M20.37M21.78M14.92M10.46M7.50M6.18M4.91M4.10M3.31M3.31M4.09M7.57M12.95M10.14M9.63M15.95M57.24M89.98M82.40M
Interest Expense % of Total Revenue71.00%68.81%72.42%39.20%39.54%37.27%27.37%20.53%20.39%23.05%29.72%35.46%30.15%22.83%16.88%12.87%10.79%8.72%6.95%5.15%4.79%5.52%8.34%10.92%8.03%7.18%10.43%26.32%37.20%32.32%

Balance Sheet

Currency: USD1996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets302.78M325.92M508.89M472.22M489.26M487.67M651.63M636.42M817.51M750.94M748.99M1.12B1.05B1.10B1.10B1.11B1.14B1.17B1.21B1.31B1.38B1.53B2.14B2.31B2.77B3.01B3.54B3.86B4.10B4.34B
Total Liabilities268.35M291.07M455.15M424.02M441.33M438.94M579.95M567.30M729.30M663.83M669.51M993.10M976.99M1.00B1.00B1.01B1.03B1.04B1.10B1.19B1.24B1.34B1.84B1.98B2.42B2.66B3.20B3.49B3.71B3.79B
Total Equity34.43M34.85M53.74M48.20M47.92M48.73M71.69M69.13M88.21M87.11M79.47M126.16M76.62M98.80M96.95M102.53M103.98M128.38M117.91M126.07M137.62M184.46M298.90M330.13M350.11M355.21M334.84M372.00M388.50M543.47M
Cash20.14M24.73M36.39M14.65M15.79M19.23M23.80M21.98M25.66M20.26M17.86M27.34M26.65M26.94M79.03M52.13M46.13M34.19M29.86M35.56M36.70M40.52M42.78M48.53M128.22M255.19M44.84M61.63M64.61M78.48M
Total Debt17.06M17.40M14.21M18.00M46.15M25.84M36.69M53.53M78.32M81.40M96.75M145.05M155.04M139.10M103.60M98.75M92.91M87.21M145.67M108.17M91.85M118.08M245.23M274.60M183.34M204.23M529.59M454.19M450.88M284.18M
Net Debt-3.08M-7.33M-22.19M3.35M30.37M6.62M12.89M31.55M52.66M61.14M78.89M117.71M128.39M112.16M24.57M46.62M46.78M53.02M64.77M65.07M41.23M60.81M180.25M226.07M55.12M-50.96M471.75M392.56M386.28M205.69M

Cash Flow

Currency: USD1996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow5.12M4.00M3.31M7.34M6.04M4.58M7.13M9.11M6.04M8.60M9.26M3.60M19.81M7.30M21.49M20.84M16.89M12.81M14.89M15.07M17.71M20.82M19.63M39.53M32.21M40.76M25.18M62.70M48.25M43.27M
Investing Cash Flow-5.51M-18.17M-20.75M25.87M-14.83M6.18M-18.82M8.51M13.92M40.67M-650.00K-42.57M2.50M-57.52M30.85M-50.29M-39.54M-55.79M-48.50M-11.90M-63.58M-146.18M-33.79M-150.51M-340.02M-130.50M-410.36M-311.78M-258.80M55.59M
Financing Cash Flow-4.29M16.88M16.19M-35.06M9.93M-7.26M16.27M-19.43M-16.28M-54.66M-11.01M48.45M-23.01M50.51M-249.00K2.54M16.65M31.20M29.28M2.53M47.00M129.19M16.42M116.74M398.80M216.93M164.30M266.13M213.30M-84.70M
Capital Expenditure894.13K510.05K815.26K1.42M738.00K633.00K740.00K3.26M632.00K1.35M398.00K1.07M807.00K535.00K1.19M1.24M905.00K1.16M485.00K2.00M2.44M1.01M1.47M3.20M1.97M1.93M6.51M3.43M4.19M1.16M
Free Cash Flow4.23M3.49M2.50M5.92M5.30M3.95M6.39M5.85M5.40M7.25M8.86M2.53M19.00M6.76M20.30M19.60M15.99M11.66M14.40M13.07M15.27M19.80M18.15M36.33M30.23M38.83M18.68M59.27M44.06M42.12M
Dividends Paid3.12M3.27M4.46M4.86M5.09M5.06M6.38M6.54M5.64M6.50M6.22M6.07M7.01M2.87M1.16M1.39M2.08M2.31M3.34M3.14M3.25M3.68M4.75M7.19M7.12M8.04M8.49M9.60M10.06M11.84M
FCF to OCF82.55%87.25%75.39%80.62%87.77%86.18%89.62%64.23%89.53%84.31%95.70%70.33%95.93%92.67%94.45%94.03%94.64%90.98%96.74%86.74%86.24%95.12%92.50%91.90%93.88%95.27%74.16%94.53%91.32%97.32%
Dividend Paid to FCF73.77%93.54%178.74%82.15%96.04%128.27%99.95%111.81%104.44%89.69%70.17%239.85%36.91%42.41%5.71%7.09%13.03%19.86%23.18%24.01%21.31%18.59%26.16%19.80%23.54%20.69%45.48%16.20%22.84%28.10%

Earnings

Report DateMar 31, 1998Jun 30, 1998Sep 30, 1998Mar 31, 1999Jun 30, 1999Sep 30, 1999Mar 31, 2000Jun 30, 2000Sep 30, 2000Dec 31, 2000Mar 31, 2001Jun 30, 2001Sep 30, 2001Dec 31, 2001Mar 31, 2002Jun 30, 2002Sep 30, 2002Dec 31, 2002Mar 31, 2003Jun 30, 2003Sep 30, 2003Dec 31, 2003May 10, 2004Jul 23, 2004Oct 20, 2004Mar 14, 2005Apr 22, 2005Jul 22, 2005Oct 20, 2005Mar 13, 2006Apr 21, 2006Jul 21, 2006Oct 19, 2006Mar 12, 2007Apr 20, 2007Aug 9, 2007Oct 18, 2007Mar 17, 2008Apr 25, 2008Aug 7, 2008Oct 23, 2008Mar 6, 2009Apr 24, 2009Aug 10, 2009Nov 11, 2009Mar 16, 2010May 10, 2010Aug 9, 2010Nov 9, 2010Mar 16, 2011May 10, 2011Aug 9, 2011Nov 9, 2011Feb 1, 2012May 10, 2012Aug 14, 2012Nov 8, 2012Feb 7, 2013May 9, 2013Aug 9, 2013Oct 17, 2013Jan 10, 2014Apr 18, 2014Jul 18, 2014Oct 24, 2014Jan 23, 2015Apr 24, 2015Jul 24, 2015Oct 23, 2015Jan 22, 2016Apr 22, 2016Jul 22, 2016Oct 21, 2016Jan 27, 2017Apr 28, 2017Jul 28, 2017Oct 27, 2017Jan 26, 2018Apr 27, 2018Jul 27, 2018Nov 2, 2018Feb 15, 2019May 3, 2019Jul 26, 2019Oct 25, 2019Feb 7, 2020Apr 24, 2020Jul 24, 2020Oct 23, 2020Feb 5, 2021Apr 23, 2021Jul 23, 2021Oct 27, 2021Feb 4, 2022Apr 28, 2022Jul 28, 2022Oct 27, 2022Feb 7, 2023Apr 28, 2023Jul 28, 2023Oct 27, 2023Feb 8, 2024Apr 30, 2024Jul 29, 2024Oct 29, 2024Jan 30, 2025Apr 24, 2025Jul 24, 2025Oct 23, 2025Jan 29, 2026Apr 22, 2026Jul 23, 2026Oct 22, 2026
EPS Estimate-------------------------------------------0.080.020.030.01--0.07-0.18-0.070.150.100.160.110.100.120.190.170.170.190.220.220.220.220.250.230.250.270.280.460.270.300.380.320.290.290.470.400.360.420.560.480.460.480.480.240.350.440.680.630.620.590.630.540.610.750.810.720.610.580.460.390.440.530.520.700.590.620.570.670.70
EPS Actual0.290.240.280.440.280.270.320.310.300.460.290.280.370.350.350.370.410.350.370.340.260.130.230.280.270.140.280.250.270.350.270.320.230.300.230.360.270.380.170.010.16-5.400.090.010.03-0.03-0.03-0.07-0.220.160.060.030.120.300.130.080.140.220.210.180.170.100.220.210.210.210.290.290.300.290.430.470.340.330.400.290.290.370.550.440.370.490.570.510.460.470.470.410.480.640.680.590.640.730.570.530.720.770.820.640.660.620.410.450.530.630.660.710.710.750.740.69-
Surprise--------------------------------------------87.50%50.00%-200.00%-400.00%--214.29%188.89%--57.14%-20.00%200.00%-18.75%-27.27%40.00%83.33%10.53%5.88%0.00%-47.37%0.00%-4.55%-4.55%-4.55%16.00%26.09%20.00%7.41%53.57%2.17%25.93%10.00%5.26%-9.38%0.00%27.59%17.02%10.00%2.78%16.67%1.79%6.25%0.00%-2.08%-2.08%70.83%37.14%45.45%0.00%-6.35%3.23%23.73%-9.52%-1.85%18.03%2.67%1.23%-11.11%8.20%6.90%-10.87%15.38%20.45%18.87%26.92%1.43%20.34%20.97%29.82%2.99%-
Timing------------------------------------------------Pre-marketPre-market-Pre-marketAfter-hoursPre-marketAfter-hoursPre-marketAfter-hours-After-hoursAfter-hours-Pre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market

Key Statistics & Ratios

Market Cap562.69M
Enterprise Value735.08M
Trailing P/E9.91
Forward P/E9.53
PEG Ratio1.37
Price / Sales3.07
Price / Book1.00
EPS2.73
Book Value27.26
Revenue (TTM)183.44M
Gross Profit (TTM)183.44M
Profit Margin29.62%
Operating Margin39.92%
Return on Equity11.19%
Return on Assets1.28%
Shares Outstanding20.79M
Shares Float20.29M
Beta0.64
Dividend Yield2.66%
Dividend Rate0.72
Payout Ratio24.91%

Analyst Ratings

Buy
Based on 6 analystsTarget 31.17
  • Strong Buy
    3
  • Buy
    1
  • Hold
    2

Ownership Breakdown

Institutions
67.50%
Insiders
2.05%
Retail / Other
30.45%

Top Institutional Holders

  • BlackRock Inc
    1.49M7.15%
  • Wellington Management Company LLP
    1.26M6.05%
  • Dimensional Fund Advisors, Inc.
    1.03M4.93%
  • AllianceBernstein L.P.
    945.72K4.55%
  • Vanguard Capital Management, LLC
    862.45K4.15%
  • Manufacturers Life Insurance Co
    574.80K2.76%
  • Endeavour Capital Advisors Inc
    516.38K2.48%
  • Geode Capital Management, LLC
    487.75K2.35%
  • State Street Corp
    400.01K1.92%
  • Royce & Associates, LP
    393.36K1.89%
  • UBS Group AG
    336.19K1.62%
  • Curi Capital, LLC
    283.28K1.36%
  • Hotchkis & Wiley Capital Management LLC
    272.71K1.31%
  • Mendon Capital Advisors Corp
    268.28K1.29%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    624.46K3.00%
  • iShares Russell 2000 ETF
    565.91K2.72%
  • JHancock Regional Bank A
    281.22K1.35%
  • DFA US Small Cap Value I
    253.30K1.22%
  • JH Financial Opportunities
    250.73K1.21%
  • RMB Mendon Financial Services A
    250.00K1.20%

Dividends

20265×
0.18Nov 3, 20260.18Aug 14, 20260.18Aug 4, 20260.18May 5, 20260.18Feb 10, 2026
20254×
0.17Nov 4, 20250.17Aug 5, 20250.17Apr 29, 20250.17Feb 4, 2025
20244×
0.16Nov 5, 20240.16Aug 6, 20240.16May 6, 20240.16Feb 12, 2024
20234×
0.16Nov 6, 20230.16Aug 7, 20230.15May 8, 20230.14Feb 13, 2023
20224×
0.14Nov 7, 20220.14Aug 8, 20220.14May 9, 20220.14Feb 14, 2022
20213×
0.14Oct 18, 20210.14Jul 19, 20210.12Apr 19, 2021

Stock Splits

  • May 10, 19964:1