Civista Bancshares financials
$26.55−0.60%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Fiscal year | FY25 Dec 31 | FY24 Dec 31 | FY23 Dec 31 | FY22 Dec 31 | FY21 Dec 31 | FY20 Dec 31 | FY19 Dec 31 | FY18 Dec 31 | FY17 Dec 31 | FY16 Dec 31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $255.0M | $244.4M | $219.9M | $155.2M | $136.5M | $128.0M | $118.6M | $91.8M | $75.0M | $69.5M |
| Gross profit | $172.6M | $154.5M | $162.7M | $139.3M | $126.9M | $117.9M | $105.7M | $84.2M | $70.9M | $66.2M |
| Gross margin | 67.7% | 63.2% | 74.0% | 89.7% | 92.9% | 92.1% | 89.1% | 91.8% | 94.5% | 95.2% |
| Operating income | $55.2M | $36.6M | $50.6M | $47.0M | $48.4M | $37.1M | $39.6M | $16.8M | $22.2M | $23.8M |
| Net income | $46.2M | $31.7M | $43.0M | $38.9M | $40.4M | $32.1M | $33.1M | $13.2M | $14.6M | $15.7M |
| Net margin | 18.1% | 13.0% | 19.5% | 25.1% | 29.6% | 25.1% | 27.9% | 14.4% | 19.5% | 22.6% |
| Diluted EPS | $2.64 | $2.01 | $2.73 | $2.60 | $2.63 | $2.00 | $2.01 | $1.02 | $1.28 | $1.57 |
| EBITDA | $55.2M | $36.6M | $50.6M | $47.0M | $48.4M | $37.1M | $39.6M | $16.8M | $22.2M | $23.8M |
| Operating cash flow | $43.3M | $48.2M | $62.7M | $25.2M | $40.8M | $31.4M | $38.8M | $19.6M | $20.8M | $13.8M |
| Free cash flow | $43.0M | $48.2M | $59.3M | $18.9M | $38.8M | $29.4M | $35.6M | $19.3M | $19.9M | $11.4M |
| Diluted shares | 17.4M | 15.4M | 15.2M | 15.0M | 15.3M | 16.1M | 16.9M | 13.9M | 12.4M | 11.0M |
Balance sheet
| Period end | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $77.3M | $63.2M | $60.4M | $43.4M | $253.5M | $125.7M |
| Short-term investments | $715.2M | $687.6M | $664.1M | $669.2M | $601.5M | $420.4M |
| Total debt | $284.2M | $450.9M | $454.2M | $618.2M | $178.7M | $154.4M |
| Total assets | $4.34B | $4.10B | $3.86B | $3.64B | $3.01B | $2.77B |
| Total liabilities | $3.79B | $3.71B | $3.49B | $3.30B | $2.66B | $2.42B |
| Shareholders' equity | $543.5M | $388.5M | $372.0M | $334.8M | $355.2M | $350.1M |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology