profit from every $100 of sales.
$0$100
Civista Bancshares
$28.62-0.35% today
+30.6% in 1 year
1-year low $21.181-year high $29.30
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $12.83 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Civista Bancshares sold, what it kept, and what it did with the cash.
Sales went from $137 million in 2022 to $170 million in 2025, with $46.2 million of profit last year.
SalesProfit
Civista Bancshares handed back 29% of the cash it generated last year.
$12M
Free cash flow 2025$42M
Bought back its own shares$178,000
Paid as dividends$12M
Cash vs. debt$78M vs. $284M
Civista Bancshares vs. similar companies
Civista Bancshares grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Civista Bancshares | 12.8× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Civista Bancshares's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 137 | 160 | 152 | 170 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 39 | 43 | 32 | 46 | |
| 2.60 | 2.73 | 2.01 | 2.64 | |
| – | – | – | – | |
| – | – | – | – | |
| 28.8% | 26.8% | 20.9% | 27.2% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 3,639 | 3,861 | 4,098 | 4,336 |
| Cash | 45 | 62 | 65 | 78 |
| Total debt | 618 | 454 | 451 | 284 |
| Total liabilities | 3,305 | 3,489 | 3,710 | 3,793 |
| 335 | 372 | 389 | 543 | |
| 15 | 15 | 15 | 17 | |
| – | – | – | – | |
| 11.8% | 11.5% | 8.2% | 8.5% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 25 | 63 | 48 | 43 | |
| 7 | 3 | 4 | 1 | |
| 19 | 59 | 44 | 42 | |
| Dividends paid | 8 | 10 | 10 | 12 |
| 17 | 2 | 0 | 0 | |
| 1 | 1 | 1 | 1 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 12.8×
- 10.1×
- 25.14
- 0.9×
- 3.5×
- 7.8%
- 2.8%
Profitability
- 27.2%
- 1.0%
- 5.2%
- 10.2%
- 1.2%
Growth
- +7.4%
- +0.5%
- +9.1%
- +3.4%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 26%of 854
Bottom 45%of 733
Top 44%of 876
Bottom 46%of 878
Top 44%of 929
What analysts expect
- Average price target
- $27.00
- Range
- $27.00 – $27.00
- 1 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 22, 2026 | 0.74 | 0.56 | +32.1% |
| Jan 29, 2026 | 0.75 | 0.61 | +23.0% |
| Oct 23, 2025 | 0.68 | 0.61 | +11.5% |
| Jul 24, 2025 | 0.66 | 0.69 | −4.3% |
| Apr 24, 2025 | 0.66 | 0.50 | +32.0% |
| Jan 30, 2025 | 0.63 | 0.53 | +18.9% |
| Oct 29, 2024 | 0.53 | 0.44 | +20.5% |
| Jul 29, 2024 | 0.45 | 0.39 | +15.4% |
2.8%of the share price, paid each year
On $1,000 invested$28a year at today's yield, before tax
+9.1%2020 to 2025
Raised10 yearsin a row, in our data
Paid per share, each year
$0.20 in 2015 → $0.68 in 2025
How safe it looks
25.6% of its profit
Room to growStretchedMore than it earns: 28.1%
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
1/7Passes 1 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
52No pass
Benjamin Graham
76Pass
Philip Fisher
52No pass
Peter Lynch
24No pass
Joel Greenblatt
17No pass
Charlie Munger
45No pass
Terry Smith
41No pass
Questions about Civista Bancshares
Is Civista Bancshares a good stock to buy?
A strong, very profitable business, and the price looks low. 1 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Civista Bancshares AI analysis
What does Civista Bancshares do?
Civista Bancshares, Inc. operates as the financial holding company for Civista Bank that provides community banking services. It is in Banks - Regional.
Does Civista Bancshares pay a dividend?
Yes. At today's price the dividend is 2.8% a year, about 26% of its yearly profit. In 2025 it paid out $11.8 million in dividends.
Is Civista Bancshares stock halal?
No. Civista Bancshares does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Civista Bancshares stock done over the past year?
Up 30.6% over the past twelve months, to $28.62. It traded between $21.18 and $29.30 and is 2.3% below its high.
Who are Civista Bancshares's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Civista Bancshares's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.