Civista Bancshares, Inc.

NasdaqCM:CIVB Stock Report

Market Cap: US$335.7m

Civista Bancshares Past Earnings Performance

Past criteria checks 2/6

Civista Bancshares has been growing earnings at an average annual rate of 3.7%, while the Banks industry saw earnings growing at 7% annually. Revenues have been growing at an average rate of 9.4% per year. Civista Bancshares's return on equity is 8%, and it has net margins of 20.9%.

Key information

3.7%

Earnings growth rate

4.8%

EPS growth rate

Banks Industry Growth11.2%
Revenue growth rate9.4%
Return on equity8.0%
Net Margin20.9%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Civista Bancshares, Inc. Just Beat Analyst Forecasts, And Analysts Have Been Updating Their Predictions

Nov 01
Civista Bancshares, Inc. Just Beat Analyst Forecasts, And Analysts Have Been Updating Their Predictions

Earnings Miss: Civista Bancshares, Inc. Missed EPS By 11% And Analysts Are Revising Their Forecasts

May 03
Earnings Miss: Civista Bancshares, Inc. Missed EPS By 11% And Analysts Are Revising Their Forecasts

Civista Bancshares' (NASDAQ:CIVB) Upcoming Dividend Will Be Larger Than Last Year's

Aug 01
Civista Bancshares' (NASDAQ:CIVB) Upcoming Dividend Will Be Larger Than Last Year's

Should You Be Adding Civista Bancshares (NASDAQ:CIVB) To Your Watchlist Today?

Jul 22
Should You Be Adding Civista Bancshares (NASDAQ:CIVB) To Your Watchlist Today?

Civista Bancshares (NASDAQ:CIVB) Has Affirmed Its Dividend Of $0.15

May 04
Civista Bancshares (NASDAQ:CIVB) Has Affirmed Its Dividend Of $0.15

Civista Bancshares (NASDAQ:CIVB) Has Announced A Dividend Of $0.14

Feb 09
Civista Bancshares (NASDAQ:CIVB) Has Announced A Dividend Of $0.14

Civista Bancshares, Inc. Just Missed Earnings - But Analysts Have Updated Their Models

May 02
Civista Bancshares, Inc. Just Missed Earnings - But Analysts Have Updated Their Models

Civista Bancshares' (NASDAQ:CIVB) Dividend Will Be Increased To US$0.14

Oct 14
Civista Bancshares' (NASDAQ:CIVB) Dividend Will Be Increased To US$0.14

Three Things You Should Check Before Buying Civista Bancshares, Inc. (NASDAQ:CIVB) For Its Dividend

Apr 01
Three Things You Should Check Before Buying Civista Bancshares, Inc. (NASDAQ:CIVB) For Its Dividend

What Type Of Shareholders Own The Most Number of Civista Bancshares, Inc. (NASDAQ:CIVB) Shares?

Mar 05
What Type Of Shareholders Own The Most Number of Civista Bancshares, Inc. (NASDAQ:CIVB) Shares?

Revenue & Expenses Breakdown

How Civista Bancshares makes and spends money. Based on latest reported earnings, on an LTM basis.


Earnings and Revenue History

NasdaqCM:CIVB Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 2414731900
30 Jun 2414832880
31 Mar 2415035880
31 Dec 2315841870
30 Sep 2316344930
30 Jun 2316045850
31 Mar 2315043790
31 Dec 2213839730
30 Sep 2212638640
30 Jun 2212137620
31 Mar 2212438600
31 Dec 2112640590
30 Sep 2112540590
30 Jun 2112138580
31 Mar 2111335570
31 Dec 2010832560
30 Sep 2010530560
30 Jun 2010430550
31 Mar 2010532540
31 Dec 1910733530
30 Sep 1910633410
30 Jun 199922470
31 Mar 199116470
31 Dec 188313430
30 Sep 18769520
30 Jun 187516430
31 Mar 187317390
31 Dec 177115390
30 Sep 176814360
30 Jun 176714360
31 Mar 176816350
31 Dec 166816340
30 Sep 166715340
30 Jun 166615340
31 Mar 166313330
31 Dec 156011330
30 Sep 155910320
30 Jun 15579320
31 Mar 15558310
31 Dec 14548310
30 Sep 14547330
30 Jun 14536320
31 Mar 14525320
31 Dec 13515320

Quality Earnings: CIVB has high quality earnings.

Growing Profit Margin: CIVB's current net profit margins (20.9%) are lower than last year (26.9%).


Free Cash Flow vs Earnings Analysis


Past Earnings Growth Analysis

Earnings Trend: CIVB's earnings have grown by 3.7% per year over the past 5 years.

Accelerating Growth: CIVB's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: CIVB had negative earnings growth (-30.2%) over the past year, making it difficult to compare to the Banks industry average (-11.8%).


Return on Equity

High ROE: CIVB's Return on Equity (8%) is considered low.


Return on Assets


Return on Capital Employed


Discover strong past performing companies

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/23 15:50
End of Day Share Price 2024/12/20 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Civista Bancshares, Inc. is covered by 14 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
James BeuryBoenning & Scattergood, Inc.
Manuel NavasD.A. Davidson & Co.
null nullD.A. Davidson & Co.