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CIVB CIVISTA BANCSHARES, INC.

Trailing twelve months to 2026-06-30 · as filed 2026-08-06, not restated
Financials

Scale

Market cap
$566m
Revenue TTM
$20m
Net income TTM
$54m
Free cash flow
Composite score
52.0
Sector rank
#2350

Valuation

P / E
10.4
EV / EBITDA
EV / sales
28.9
FCF yield
Earnings yield vs 10-yr
4.86pp

Earnings yield vs 10-yr compares what the business earns per pound invested against the 4.73% a 10-year US Treasury note pays for no equity risk. Negative means you are paying up front for growth not yet delivered.

Quality and growth

Net margin
277.3%
EBITDA margin
ROE
9.6%
ROIC
Revenue growth
11.6%

Insider activity, last 90 days

Net open-market
$0.00m
Buyers
0
Sellers
0

Open-market purchases and sales only. Grants, option exercises, gifts and shares withheld for tax are excluded: they are how people are paid, not what they think.

What management said

Financial Condition Total assets of the Company at June 30, 2026 were $4,294,298 compared to $4,336,453 at December 31, 2025, a decrease of $42,155, or 1.0%. The decrease was mainly due to decreases in net loans of $14,835, securities available-for-sale of $14,594, and cash and due from financial institutions of $15,577. These decreases were slightly offset by increases in investments in time deposits of $2,960 and other securities of $3,015. Total liabilities at June 30, 2026 were $3,727,513 compared to $3,792,979 at December 31, 2025, a decrease of $65,466, or 1.7%. …CIVISTA BANCSHARES, INC., 10-Q, period ended 2026-06-30, filed 2026-08-06

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