Civista Bancshares (CIVB) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), Civista Bancshares had a P/E ratio of 10.01 (down from 10.68), return on equity of 9.9% (up from 8.3%), debt-to-equity of 0.54 (down from 1.19) and return on assets of 1.1% (up from 0.8%). Its dividend yield was 3.06% with a payout ratio of 25.6%.

Civista Bancshares Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	10.01	10.68	6.99	8.89	9.08	8.69
Forward P/E	8.78	10.51	8.44	7.17	10.58	9.84
P/S Ratio	2.73	2.22	1.83	2.52	2.91	2.59
P/B Ratio	0.85	0.85	0.78	1.03	1.03	0.80
Price/Tangible Book	1.15	1.28	1.21	1.72	1.34	1.04
Price/FCF	10.95	7.51	4.88	18.54	9.44	9.09
Price/OCF	10.65	6.86	4.62	13.75	8.99	8.54
PEG Ratio	1.42	1.42	1.42	1.42	1.42	3.23
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	9.92%	8.33%	12.16%	11.43%	11.50%	9.47%
Return on Assets (ROA)	1.10%	0.80%	1.15%	1.19%	1.40%	1.27%
Leverage & Solvency Ratios
Debt/Equity	0.54	1.19	1.26	1.98	0.61	0.59
Debt/FCF	6.94	10.52	7.90	35.45	5.60	6.77
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	10.02%	9.57%	14.84%	11.39%	11.06%	11.54%
FCF Yield	9.14%	13.31%	20.48%	5.40%	10.59%	11.00%
Dividend Yield	3.06%	2.99%	3.31%	2.54%	2.12%	2.93%
Payout Ratio	25.61%	31.76%	22.34%	21.54%	19.82%	22.11%
Buyback Yield	-13.19%	-1.56%	-1.23%	2.43%	4.59%	4.35%
Total Return	-10.13%	1.43%	2.08%	4.97%	6.71%	7.28%

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 Ratios

What is Civista Bancshares's P/E ratio?

Civista Bancshares's P/E ratio was 10.01 for fiscal 2025 (period ended Dec 31, 2025). It was 10.68 a year earlier.

What is Civista Bancshares's return on equity?

Civista Bancshares's return on equity (ROE) was 9.9% for fiscal 2025 (period ended Dec 31, 2025). It was 8.3% a year earlier.

What is Civista Bancshares's debt-to-equity ratio?

Civista Bancshares's debt-to-equity ratio was 0.54 for fiscal 2025 (period ended Dec 31, 2025). It was 1.19 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition