Civista Bancshares (CIVB) Cash Flow: Operating & Free Cash Flow

Civista Bancshares (CIVB) Cash Flow Statement

In fiscal 2025 (fiscal year ended Dec 31, 2025), Civista Bancshares generated $43.27M of operating cash flow and spent $1.16M on capital expenditures. That left free cash flow of $42.12M, down 4.4% from $44.06M a year earlier, or 16.5% of revenue. It returned $12.01M to shareholders through $11.84M in dividends and $178.00K in share buybacks.

Civista Bancshares Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Cash flow statement showing operating, investing, and financing activities for Civista Bancshares, Inc. (CIVB) - 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
Operating Activities
Net Income	46.21	31.68	42.96	39.43	40.55	32.19	33.88	14.14	15.87
Depreciation & Amortization	9.88	11.03	12.34	5.75	2.87	3.17	3.19	1.88	1.84
Deferred Income Tax	1.19	-1.85	-0.68	0.48	1.32	-2.28	0.66	0.15	0.95
Stock Based Compensation	0.85	0.87	0.98	0.82	0.70	0.62	0.53	0.43	0.43
Change in Working Capital	-7.48	3.04	5.69	-21.98	2.00	-1.48	1.00	0.36	0.71
Change in Accounts Receivable	-0.54	-0.63	-1.64	-2.05	2.04	-2.33	-0.37	-1.29	-0.63
Change in Accounts Payable	-4.95	-0.01	8.86	0.30	0.11	-0.07	0.05	-0.20	0.23
Change in Other Working Capital	-1.99	3.68	-1.53	-20.24	-0.15	0.92	1.33	1.84	1.12
Other Operating Activities	-7.38	3.48	-2.67	-1.87	-6.67	0.44	-0.46	2.67	1.03
Net Cash from Operating Activities	43.27	48.25	62.70	25.18	40.76	32.65	38.80	19.63	20.82
Investing Activities
Capital Expenditures	-1.16	-4.19	-3.43	-6.51	-1.93	-1.97	-3.20	-1.47	-1.02
Acquisitions	149.47	0.00	0.00	-51.64	0.00	0.00	0.00	143.80	0.00
Purchases of Investments	-123.82	-87.22	-46.46	-146.75	-268.55	-56.36	-72.63	-135.17	-70.99
Sales/Maturities of Investments	111.34	48.54	59.28	109.55	68.24	60.68	72.37	56.78	35.33
Other Investing Activities	-80.24	-215.94	-6.68	-315.01	71.74	-343.34	-147.30	-97.72	-109.51
Net Cash from Investing Activities	55.59	-258.80	-311.78	-410.36	-130.50	-340.98	-150.76	-33.79	-146.18
Financing Activities
Debt Repayment	-166.85	-3.31	-61.36	-135.75	23.39	-101.50	32.90	121.70	23.40
Common Stock Issued	75.67	0.00	0.00	0.00	0.00	0.00	0.00	0.00	32.82
Common Stock Repurchased	-0.18	-0.16	-1.63	-16.89	-22.31	-13.45	-3.91	0.00	0.00
Dividends Paid	-11.84	-10.06	-9.60	-8.49	-8.04	-7.12	-7.19	-4.75	-3.68
Other Financing Activities	18.50	226.84	339.90	-68.26	223.88	520.87	94.94	-100.53	76.65
Net Cash from Financing Activities	-84.70	213.30	266.13	164.30	216.93	398.80	116.74	16.42	129.19
Summary
Net Change in Cash	14.17	2.75	17.05	-220.88	127.19	90.47	4.78	2.26	3.82
Cash at Beginning of Period	63.16	60.41	43.36	264.24	137.05	46.58	41.80	40.52	36.70
Cash at End of Period	77.32	63.16	60.41	43.36	264.24	137.05	46.58	42.78	40.52
Free Cash Flow	42.12	44.06	59.27	18.68	38.83	30.68	35.60	18.15	19.80
Supplemental Disclosures
Interest Paid	-	89.99	48.38	10.70	6.21	-	-	-	-
Income Taxes Paid	-	4.89	9.51	3.15	6.18	-	-	-	-

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 Cash Flow

What is Civista Bancshares's free cash flow?

Civista Bancshares generated free cash flow of $42.12M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of $43.27M minus $1.16M of capital expenditures. That was down 4.4% from $44.06M a year earlier. Free cash flow equaled 16.5% of revenue.

How much does Civista Bancshares spend on capital expenditures?

Civista Bancshares spent $1.16M on capital expenditures in fiscal 2025, compared with $4.19M a year earlier. That equals 2.7% of operating cash flow.

Does Civista Bancshares pay dividends or buy back shares?

Yes. In fiscal 2025 Civista Bancshares returned $11.84M in dividends and $178.00K in share buybacks to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition