10-K · March 6, 2026
Civista Bancshares reported a year with modest top-line growth and stronger profitability in 2025, helped by loan-driven revenue and an acquisition closed November 6, 2025. Revenue (approx. $256.0M for 2025) and diluted…
Earnings analysis · 10-Q
CIVB earnings analysis
Filed May 8, 2026 · Our reading of the company's report
The latest report
Civista Bancshares reported solid Q1 2026 results, with revenue reaching $47.25 million and diluted EPS at $0.74, exceeding analysts' estimates and showing year-over-year improvements. The company's net interest income…
Read full summary
Civista Bancshares reported solid Q1 2026 results, with revenue reaching $47.25 million and diluted EPS at $0.74, exceeding analysts' estimates and showing year-over-year improvements. The company's net interest income grew by 16% compared to Q1 2025, and total deposits increased by $35.43 million, reflecting strong liquidity amid evolving economic conditions.
Gross and operating margin
How much of each revenue dollar the business keeps.
One point per quarterly or annual filing. Both margins are shares of that report's revenue.
How we read each report
Our analysis across the last few reports.
Our model's reading of each filing, not the share price or the market's reaction. Annual and quarterly reports each occupy one position.
Reported figures
- Earnings per share
- $0.74
What stood out
-
Revenue Growth
Total revenue increased to $47.25 million, a 16% rise from $39.89 million in Q1 2025.
-
EPS Beat Expectations
Diluted EPS of $0.74 surpassed estimates of $0.56, reflecting strong profit margins.
-
Net Interest Income Up 16%
Net interest income rose to $37.83 million compared to $32.77 million last year.
-
Increase in Total Deposits
Total deposits grew by $35.43 million to $3.50 billion from the end of 2025.
-
Decreased Interest Expense
Total interest expense reduced to $17.99 million from $20.96 million, contributing to improved margins.
-
Stronger Net Interest Margin
Net interest margin improved to 3.85% from 3.51% in the prior year.
What to watch
-
Economic Uncertainties
Economic conditions may change, impacting deposit levels and borrowers' ability to repay loans.
-
Increased Non-Interest Expenses
Total non-interest expenses rose by 10.1%, reflecting higher compensation and operational costs.
-
Integration Risks from FSB Acquisition
The recent merger with FSB could entail integration challenges and risks related to expected synergies.
Management's outlook
No numeric guidance provided; management highlighted focus on maintaining growth in deposit accounts and controlling costs.
Earlier filings 4
10-Q · August 6, 2025
Civista Bancshares reported Q2 2025 net revenue of $41,403,000 (net interest income $34,814,000 + noninterest income $6,589,000) and diluted EPS of $0.71, with net income of $11,015,000 versus $7,064,000 a year ago. Net…
10-K · March 10, 2025
Civista Bancshares’ 10-K (Dec 31, 2024) emphasizes a community-bank strategy centered on relationship banking, deposit growth, mortgage origination for the secondary market, and operating efficiency. The filing shows…
10-Q · November 12, 2024
Civista Bancshares reported Q3 2024 diluted EPS of $0.53 and net income of $8.366 million, down versus Q3 2023 EPS of $0.66 and net income of $10.387 million. Net interest income compressed to $29,233 thousand as…
This is our reading of a public filing, not the filing itself. Analysis can contain errors; check the source document for full context.