Civista Bancshares Inc Dossier
Financial Snapshot
Revenue, profitability, returns, debt, and capital allocation
Revenue $19.6M+2.6% YoYTTM through 30 Jun 2026
Net Income $54.3M+71.5% YoYTTM through 30 Jun 2026
Free Cash Flow $56.2MTTM through 30 Jun 2026
Margins
| Current | |
|---|---|
| Operating Margin | 32.0% |
| Net Margin | 276.8% |
Returns
10.3%ROE
1.1%ROA
6.9%ROIC
Balance Sheet Health
Debt / Equity0.52x
Net Debt$205M
Cash & Equivalents$61.7M
Quality Metrics
Piotroski F-Score5 / 9
FCF Margin286.4%
Earnings-Beat Rate100.0%
Multi-Year Trend
RevenueFY2025: $19M
Diluted EPS$2.68TTMFY2025: $2.64
Dividend
$0.36Per share, FY20263.06%Yield-7.1%5-yr growth
Capital Allocation
Capex Intensity8.4%
Segment Performance
| Segment | Revenue | YoY | Outlook |
|---|---|---|---|
| Community Banking |
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