Civista Bancshares Inc Dossier
Outlook & Key Dates
Estimates, guidance, catalysts, and upcoming events
Analyst Estimates Learn more →
Analyst Coverage
6analysts covering
FY EPS (est.)
$2.84next fiscal year
Reporting Calendar
| Event | Expected Date |
|---|---|
| Q3 2026 Earnings Release | 22 Oct 2026 |
Monitoring Framework
Key Performance Indicators
Net Interest Margin (NIM) Quarterly385.0%Target: High 3.80s%
Efficiency Ratio Quarterly6,010.0%Target: Sub-60%
Return on Average Assets (ROA) Quarterly1.4Target: Stable above 1.15%
Allowance for Credit Losses to Total Loans Quarterly1.3Target: Stable around 1.25% - 1.30%
Watch Items
- Integration of The Farmers Savings Bank (FSB)Trigger: Core system conversion delays or higher-than-expected nonrecurring merger costsAction: Monitor noninterest expense trends and core deposit retention in newly acquired Ohio branches.
- Loan Payoffs and Organic Loan GrowthTrigger: Early payoffs exceeding $80 million per quarter or loan growth falling below mid-single-digitsAction: Re-evaluate commercial lending pipelines and pricing strategies to offset early payoffs.
- Wholesale Funding DependenceTrigger: Brokered deposits or FHLB advances increasing as a percentage of total fundingAction: Review deposit pricing and promotional campaigns to accelerate core organic deposit growth.
Research as of 19 Jun 2026