Civista Bancshares (CIVB) Financial Statements & Analysis

Civista Bancshares (CIVB) Income Statement

Civista Bancshares reported revenue of $254.95M in fiscal 2025 (fiscal year ended Dec 31, 2025), up 67.8% from $151.91M a year earlier. Net income was $46.21M, up 45.9% year over year, a net margin of 18.1%. Gross margin was 66.4% and operating margin 21.7%. In the most recent quarter, Q3 fiscal 2026 (ended Sep 30, 2026), revenue was $47.79M, down 25.1% from the same quarter a year earlier.

Civista Bancshares Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Civista Bancshares, Inc. income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	254.95	151.91	160.24	152.98	134.19	126.18	118.61	90.74	74.08
Cost of Revenue	85.78	95.35	61.67	17.70	10.46	20.25	13.99	8.35	4.09
Gross Profit	169.17	146.55	155.80	135.28	123.73	105.93	104.62	82.39	69.99
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	72.78	66.54	61.28	53.37	46.85	44.28	44.06	47.29	33.18
Operating Expenses	113.94	109.98	105.19	88.25	75.35	68.80	65.06	65.61	47.76
Operating Income	55.24	36.57	50.61	47.04	48.38	37.13	39.56	16.78	22.23
Other Income/Expense
Interest Income	220.99	206.70	182.73	126.16	105.05	99.87	98.05	73.68	58.59
Interest Expense	82.40	89.99	57.24	15.95	9.63	10.14	12.95	7.57	4.09
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	55.24	36.57	50.61	47.04	48.38	37.13	39.56	16.78	22.23
Income Tax Expense	9.02	4.89	7.65	7.61	7.84	4.94	5.68	2.64	6.36
Net Income	46.21	31.68	42.96	39.43	40.55	32.19	33.88	14.14	15.87
Net Income - Continuous Operations	46.21	31.68	42.96	39.43	40.55	32.19	33.88	14.14	15.87
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	65.11	47.60	12.34	52.79	51.25	40.30	42.75	18.66	24.07
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	9.88	1.48	1.58	5.75	2.87	3.17	3.19	1.88	1.84
Earnings Per Share
Basic EPS	3.00	2.00	3.00	3.00	3.00	2.00	2.00	1.00	1.00
Diluted EPS	3.00	2.00	3.00	3.00	3.00	2.00	2.00	1.00	1.00
Basic Shares Outstanding	17.51	15.39	15.15	14.97	15.34	16.08	15.65	13.86	9.91
Diluted Shares Outstanding	17.51	15.39	15.15	14.97	15.34	16.08	16.85	13.86	12.35

Source: Company financial statements from annual and quarterly filings. Data as of Sep 30, 2026. Data sources and methodology

Frequently Asked Questions About Civista Bancshares Financial Statements

What was Civista Bancshares's revenue in fiscal 2025?

Civista Bancshares reported revenue of $254.95M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was up 67.8% from $151.91M a year earlier.

Is Civista Bancshares profitable?

Yes. Civista Bancshares earned net income of $46.21M in fiscal 2025, a net margin of 18.1%. In fiscal 2024 it earned $31.68M.

What is Civista Bancshares's operating margin?

Civista Bancshares's operating income was $55.23M on revenue of $254.95M in fiscal 2025, an operating margin of 21.7%, compared with 24.1% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition