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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 Β 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.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $170M | - | $46M | $42M | 8.5% | 11.8% | 45.9% |
| 2024 | $152M | - | $32M | $44M | 8.2% | -5.2% | -26.3% |
| 2023 | $160M | - | $43M | $59M | 11.5% | 16.9% | 9.0% |
| 2022 | $137M | - | $39M | $19M | 11.8% | - | - |
| 2021 | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 137.03 | 160.24 | 151.91 | 169.82 |
| Operating Revenue | - | 137.03 | 160.24 | 151.91 | 169.82 |
| Selling General And Administration | - | 53.37 | 61.28 | 66.54 | 62.81 |
| Interest Income | - | 126.16 | 182.73 | 206.70 | 220.98 |
| Interest Expense | - | 15.95 | 57.24 | 89.98 | 82.40 |
| Net Interest Income | - | 110.20 | 125.50 | 116.71 | 138.58 |
| Pretax Income | - | 47.04 | 50.61 | 36.57 | 55.24 |
| Tax Provision | - | 7.61 | 7.65 | 4.89 | 9.02 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | 0 | 0 | 0 | 0 |
| Net Income Continuous Operations | - | 39.43 | 42.96 | 31.68 | 46.21 |
| Net Income From Continuing And Discontinued Operation | - | 39.43 | 42.96 | 31.68 | 46.21 |
| Net Income From Continuing Operation Net Minority Interest | - | 39.43 | 42.96 | 31.68 | 46.21 |
| Net Income | - | 39.43 | 42.96 | 31.68 | 46.21 |
| Net Income Common Stockholders | - | 39.43 | 42.96 | 31.68 | 46.21 |
| Net Income Including Noncontrolling Interests | - | 39.43 | 42.96 | 31.68 | 46.21 |
| Normalized Income | - | 39.43 | 42.96 | 31.68 | 46.21 |
| Diluted NI Availto Com Stockholders | - | 39.43 | 42.96 | 31.68 | 46.21 |
| Basic Average Shares | - | 15.16 | 15.15 | 15.39 | 17.42 |
| Diluted Average Shares | - | 15.16 | 15.15 | 15.39 | 17.42 |
| Reconciled Depreciation | - | 5.75 | 12.34 | 11.03 | 9.88 |
| Gain On Sale Of Security | - | 0.13 | -0.02 | 0.28 | 0.27 |
| Depreciation Amortization Depletion Income Statement | - | 1.30 | 1.58 | 1.48 | 1.56 |
| Depreciation And Amortization In Income Statement | - | 1.30 | 1.58 | 1.48 | 1.56 |
| General And Administrative Expense | - | 51.86 | 59.93 | 64.45 | 61.42 |
| Other Gand A | 4.48 | - | - | - | - |
| Salaries And Wages | - | 51.06 | 58.29 | 61.82 | 58.74 |
| Insurance And Claims | - | 0.80 | 1.64 | 2.63 | 2.68 |
| Selling And Marketing Expense | - | 1.51 | 1.35 | 2.09 | 1.39 |
| Otherunder Preferred Stock Dividend | 0.17 | 0.50 | 1.58 | - | - |
| Amortization | - | 1.30 | 1.58 | 1.48 | 1.56 |
| Amortization Of Intangibles Income Statement | - | 1.30 | 1.58 | 1.48 | 1.56 |
| Occupancy And Equipment | - | 9.77 | 16.48 | 14.65 | 14.03 |
| Professional Expense And Contract Services Expense | - | 5.39 | 4.95 | 5.78 | 6.58 |
| Other Non Interest Expense | - | 18.42 | 20.90 | 21.52 | 26.22 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Civista Bancshares, Inc.this co. | CIVB | $542M | 11.73β premium | 1.00 | 8.5% | - |
| Innventure, Inc. | INV | $562M | -1.92 | 0.98 | -50.9% | -1.17 |
| ACNB Corporation | ACNB | $553M | 14.92 | 1.32 | 8.8% | - |
| Southern First Bancshares, Inc. | SFST | $553M | 18.20 | 1.50 | 8.2% | - |
| Northrim BanCorp, Inc. | NRIM | $552M |
| - |
| - |
| - |
| - |
| - |
| 8.54 |
| 1.69 |
| 19.8% |
| - |
| Unity Bancorp, Inc. | UNTY | $539M | 9.31 | 1.56 | 16.8% | - |
| Bridgewater Bancshares, Inc. | BWB | $532M | 11.54 | 1.18 | 10.2% | - |
| Capital Bancorp, Inc. | CBNK | $531M | 9.29 | 1.32 | 14.2% | - |
| Flushing Financial Corporation | FFIC | $524M | 27.76 | 0.74 | 2.7% | - |
| Peer Median | - | 10.43 | 1.32 | 9.5% | -1.17 | |