CIVB
NASDAQ · Banking
Civista Bancshares Inc
$26.98
+0.41 (+1.54%)
Financial Highlights (FY 2026)
Revenue
192.03M
Net Income
54.75M
Gross Margin
—
Profit Margin
28.3%
Rev Growth
+7.3%
D/E Ratio
0.20
Revenue & Net Income
Margin Trends
| FY 2026 | FY 2025 | FY 2024 | FY 2023 | |
|---|---|---|---|---|
| Gross Margin | — | — | 39.2% | 39.2% |
| Operating Margin | 33.8% | 30.4% | 32.8% | 37.7% |
| Profit Margin | 28.3% | 26.9% | 32.3% | 33.2% |
Income Statement
| FY 2026 | FY 2025 | FY 2024 | FY 2023 | |
|---|---|---|---|---|
| Revenue | 192.03M | 178.90M | 287.67M | 284.63M |
| Gross Profit | — | — | 112.86M | 111.67M |
| Operating Income | 64.85M | 54.37M | 94.44M | 107.39M |
| Net Income | 54.75M | 45.91M | 92.95M | 94.51M |
| Gross Margin | — | — | 39.2% | 39.2% |
| Operating Margin | 33.8% | 30.4% | 32.8% | 37.7% |
| Profit Margin | 28.3% | 26.9% | 32.3% | 33.2% |
| Rev Growth | +7.3% | +7.3% | +20.1% | +24.3% |
Balance Sheet
| FY 2026 | FY 2025 | FY 2024 | FY 2023 | |
|---|---|---|---|---|
| Total Debt | 46.27M | 46.27M | 89.53M | 110.69M |
| Total Equity | 232.17M | 232.17M | 217.24M | 217.48M |
| D/E Ratio | 0.20 | 0.20 | 0.41 | 0.51 |
Cash Flow
| FY 2026 | FY 2025 | FY 2024 | FY 2023 | |
|---|---|---|---|---|
| EBITDA | 110.32M | 97.63M | 159.44M | 165.82M |
| Free Cash Flow | — | — | 128.60M | 101.90M |