Civista Bancshares, Inc.

CIVB

$27.81

+0.87%

2026-09-04 12:51:11 EDT+$0.24

Servicios financieros

Bancos - Regional

NASDAQ

Negociación activa

Actuando como sociedad holding financiera de Civista Bank y Civista Bancshares, Inc., ofrece servicios integrales de banca comunitaria. La empresa reúne activamente ...

Evolución del precio de CIVB

$27.81

+0.87%+$0.24

Máximo—

Mínimo—

Máx. 52s-6.0%

Vol. rel.—

Intervalo

Rango5.8h

Volumen—SMA5SMA10

—

Civista Bancshares, Inc. (CIVB) is a financial holding company headquartered in Sandusky, Ohio, operating primarily through its subsidiary, Civista Bank. Founded in 1884, the bank has a long history of serving communities in Ohio, Indiana, and Kentucky. With approximately $4.4 billion in assets (as per recent sources), the company offers ...Civista Bancshares, Inc. (CIVB) is a financial holding company headquartered in Sandusky, Ohio, operating primarily through its subsidiary, Civista Bank. Founded in 1884, the bank has a long history of serving communities in Ohio, Indiana, and Kentucky. With approximately $4.4 billion in assets (as per recent sources), the company offers a wide range of financial products and services including deposit gathering, commercial and consumer lending, real estate loans (commercial, residential, agricultural), construction loans, letters of credit, and trust services. It also engages in securities acquisition and offers third-party insurance products. The company operates around 42 branch locations across Northern, Central, Southwestern, and Northwestern Ohio, as well as Southeastern Indiana and Northern Kentucky, and also offers nationwide equipment financing. As of 2023, the company had 526 full-time employees. The CEO is Dennis G. Shaffer, who has led the company since 2014, but he is set to retire on August 28, 2025, with Chuck Parcher succeeding him as CEO. The company's stock trades on NASDAQ under the symbol CIVB. Financially, the company shows a market capitalization of approximately $588 million, with a price-to-earnings ratio of about 10.5, indicating a reasonable valuation. Its return on equity is around 10.1%, and it pays a dividend yield of about 2.5%. The company has a strong presence in its regional markets and focuses on relationship banking, community involvement, and long-term growth.ExpandirContraer

Fundación

1884

Empleados

548

CEO

Dennis G. Shaffer

Nombre completo

Civista Bancshares, Inc.

Sector

Servicios financieros

Industria

Bancos - Regional

ROE

10.05%

Capitalización

$0.58B

Ratio corriente

0.21

WACC

13.87%

ROIC

-0.95%

Información de contacto

https://www.civb.com

419 625 4121

100 East Water Street, Sandusky, OH 44870-2514

Métricas clave de CIVB

Instantánea

Último / TTM · 6 periodos

Capitalización

$578.29M

ROCE

4.3%

EV / EBITDA

24.47x

-3.7% YoY

Rendimiento FCF

9.7%

-1.1% YoY

Ciclo de conversión de efectivo

0.0d

Ratio corriente

0.21

Resumen rápido

TTM —

Current ratio below 1.0

Negative working capital

Aspectos financieros de CIVB

Tendencia de rentabilidad

Último / TTM · 6 periodos

Margen bruto

65.8%

Margen neto

24.2%

PER

10.21x

n/d

Deuda / capital

0.40

n/d

Ratio corriente

0.21

Rendimiento del dividendo

2.6%

Comprensión

TTM —

El ratio corriente está por debajo de 1.0

Calendario de CIVB

Próximamente

30 sept 2026En 26 días
Q3 FY2026 · Resultados estimados
BPA est. $0.69 · Ingresos $48.78M · 4 analistas
30 dic 2026
Q4 FY2026 · Resultados estimados
BPA est. $0.72 · Ingresos $49.46M · 4 analistas
31 dic 2026
FY2026 · Resultados anuales estimados
BPA est. $2.84 · Ingresos $193.68M · 5 analistas
30 mar 2027
Q1 FY2027 · Resultados estimados
BPA est. $0.66 · Ingresos $48.94M · 1 analistas

Historial reciente

18 ago 2026
Pago de dividendo
$0.70 por acción
14 ago 2026
Fecha ex-dividendo
$0.70 por acción
6 ago 2026
Q2 FY2026 · Resultados publicados
BPA $0.69 · Ingresos $39.28M
Ver documento
8 may 2026
Q1 FY2026 · Resultados publicados
BPA $0.72 · Ingresos $55.81M
Ver documento
6 mar 2026
FY2025 · Resultados anuales
BPA $2.64 · Ingresos $254.95M
Ver documento
30 sept 2025
Q3 FY2025 · Resultados publicados
BPA $0.68 · Ingresos $63.80M

Estados financieros de CIVB

Tendencia de 5 años (ingresos, beneficios, FCF)

Métrica	Último	InteranualYoY significa Year-over-Year (interanual). Compara el último valor anual con el valor anual anterior para mostrar la fortaleza de la tendencia a largo plazo.	TrimestralQoQ significa Quarter-over-Quarter (intertrimestral). Compara el último trimestre con el trimestre inmediatamente anterior para mostrar cambios de impulso a corto plazo.
IngresosEl dinero total que entró por la puerta principal al vender cosas, antes de pagar una sola factura. Piensa en esto como el gran total de cada compra con tarjeta de los clientes. (YoY compara el rendimiento de este año con el del año pasado, mientras que QoQ compara los tres meses actuales con los tres anteriores).	$255.0M	+5.4%	-29.6%
Beneficio netoEl resultado final absoluto. Si la empresa pagara a cada proveedor, empleado, banquero y recaudador de impuestos, este es el dinero real que queda en su bolsillo al final del día.	$46.2M	+45.9%	-4.5%
Margen brutoEl margen básico. Si venden unas zapatillas de 100 dólares, este porcentaje indica cuánto de ese precio es ganancia justo después de pagar el caucho y los cordones, pero antes de pagar el alquiler de la tienda o los anuncios de televisión.	+66.4%	+9.5%	-20.0%
Margen operativoLa puntuación de eficiencia del 'trabajo diario'. De cada dólar que gasta un cliente, esto muestra cuántos centavos mantiene la empresa después de fabricar el producto Y pagar todos los gastos generales corporativos (como salarios, marketing y mantener las luces encendidas).	+21.7%	+43.3%	-242.1%
Margen netoEl porcentaje final que se lleva a casa. Cuando se eliminan todos los costos concebibles, impuestos y pagos de intereses, este es el número exacto de centavos que la empresa realmente se queda de cada dólar en ventas.	+18.1%	+38.4%	+35.7%
Flujo de caja libreEl santo grial del efectivo corporativo. Es el dinero físico gastable que queda después de que el negocio paga sus operaciones diarias Y compra las actualizaciones grandes y costosas (como nuevas fábricas o servidores) que necesita para sobrevivir. Este es el dinero 'libre' que pueden usar para pagar dividendos o recomprar acciones.	$42.1M	-4.4%	+42.4%
Margen FCFLa tasa definitiva de conversión de efectivo. Muestra qué tan buena es la empresa para convertir ventas regulares directamente en efectivo frío, duro y gastable. Un porcentaje alto significa que el negocio es una auténtica máquina de imprimir dinero.	+16.5%	-9.3%	+102.3%
Deuda/PatrimonioEl indicador de riesgo financiero. Compara cuánto del imperio de la empresa se construyó con dinero prestado (préstamos) frente al dinero propio de los propietarios (accionistas). Un número alto significa que están muy apalancados y juegan un juego más arriesgado; un número bajo significa que juegan a lo seguro.	52.3%	-54.9%	+5.5%
Ratio corrienteLa verificación de supervivencia de 12 meses. Simplemente compara el efectivo que tienen ahora mismo (más cosas que pueden convertirse rápidamente en efectivo) con las facturas inmediatas que absolutamente deben pagar este año. Una puntuación superior a 1 significa que tienen suficiente en la billetera para cubrir las próximas facturas sin entrar en pánico.	0.11x	+3.9%	-78.1%
Activos totalesEl tamaño absoluto del imperio de la empresa. Agrupa absolutamente todo lo valioso que poseen, desde el efectivo en la caja registradora y el inventario en el almacén, hasta las patentes de software en la bóveda y las fábricas en el suelo.	$4.3B	+5.8%	-0.1%

Real vs estimado

A Dec 31Q Jun 30

Métrica	Anual (real vs estimado)	Sorpresa anual	Trimestral (real vs estimado)	Sorpresa trimestral
EPS Surprise	2.64 vs 2.64	-0.1%	0.69 vs 0.67	+3.0%
Revenue Surprise	$255.0M vs $172.1M	+48.1%	$39.3M vs $48.1M	-18.3%

Transacciones de insiders de CIVB

Compras (A)

Since Jun 8, 2026

Ventas (D)

Since Jun 8, 2026

Acciones mensuales compradas/vendidas con tendencia del precio de cierre (fuente diaria compartida)

Resumen de trading de insiders

Fecha	Ejecutivo	Cargo	Valor	Lado	Acciones	Precio
Aug 7, 2026	Doucette Veronica G	officer: SVP/Human Resources Officer	Common	D	528	$28.47
Jul 29, 2026	Macioce Mark J.	director	Common	D	58	$29.48
Jun 8, 2026	Oliver Mary Patricia	director	Common	A	1,210	—
Jun 8, 2026	PERFECT CLYDE A JR	other: Subsidiary Director	Common	A	1,210	—
Jun 8, 2026	Wise Lorina W	director	Common	A	1,210	—

Transcripción de la llamada de resultados de CIVB

1 segmentos de transcripción

Q2 2026

Ponente desconocido

Operator : Good afternoon. My name is Hannah, and I'll be your moderator for today. Before we begin, I would like to remind you that this conference call may contain forward-looking statements with respect to the future performance and financial condition of Civista Bancshares, Inc. that involve risks and uncertainties. Various factors could cause actual results to be materially different from any future results expressed or implied by such forward-looking statements. These factors are discussed in the company's SEC filings, which are available on the company's website. The company disclaims any obligation to update any forward-looking statements made during the call. Additionally, management may refer to non-GAAP measures, which are intended to supplement, but not substitute the most directly comparable GAAP measures. The press release also available on the company's website, contains the financial and other quantitative information to be discussed today as well as the reconciliation of the GAAP to non-GAAP measures. This call will be recorded and made available on Civista Bancshares' website at www.civb.com. At the conclusion of Mr. Shaffer's remarks, he and the Civista management team will take any questions you may have. Now I will turn the call over to Mr. Shaffer. Dennis Shaffer : Good afternoon. This is Dennis Shaffer, President and CEO of Civista Bancshares, and I would like to thank you for joining us for our second quarter 2026 earnings call. I am joined today by Chuck Parcher, EVP of the company and President of the Bank; Rich Dutton, SVP of the company and Chief Operating Officer of the Bank; Ian Whinnem, SVP of the company and Chief Financial Officer of the Bank; and other members of our executive team. This morning, we reported net income for the second quarter of $14.3 million or $0.69 per diluted share, which represents a $3.3 million or 30% increase over our second quarter in 2025 and a $674,000 decline from our linked quarter. This also represents an increase in pre-provision net revenue of $5 million or 36% over our second quarter in 2025 and a $1.6 million or 9% increase over the linked quarter. Net interest income for the quarter was $38.6 million, which represents an increase of $770,000 or 2% compared to the linked quarter. The increase was attributable to an increase in our earning asset yield of 1 basis point to 5.67%, while our overall funding cost declined by 2 basis points to 1.94%. Our net interest margin expanded by 4 basis points to 3.89% as we continued our disciplined approach to managing our asset pricing and funding costs. Our cost of funds was 1.94% for the quarter, down 37 basis points from the second quarter of 2025 and 2 basis points from the linked quarter, while our cost of deposits was 1.83%, down 13 basis points year-over-year and 2 basis points higher than our linked quarter sequentially. Our cost of core deposits increased by 4 basis points to 1.59% compared to our linked quarter, which was offset …

Equipo directivo de CIVB

10 directivos

Nombre	Cargo	Remuneración	Género	Año de nacimiento	Estado
Dennis G. Shaffer	President, Chief Executive Officer & Chairman	USD 894,610	Male	1963	Active
Charles A. Parcher	Executive VP & Director	USD 595,040	Male	1965	Active
Donna Waltz-Jaskolski	Senior Vice President	USD 473,360	Female	1967	Active
Richard J. Dutton	Senior Vice President	USD 473,360	Male	1963	Active
Robert L. Curry Jr.	Senior Vice President	USD 473,360	Male	1969	Active
Ian Whinnem	Senior VP, Treasurer & CFO	USD 383,598	Male	1976	Active
Lance A. Morrison	Senior Vice President, General Counsel & Corporate Secretary	USD 341,401	Male	1968	Active
Harry Singer	Independent Director	USD 24,150	Male	1955	Active
Carl A. Kessler	Senior Vice President & Chief Information Officer	—	Male	1969	Active
Russell L. Edwards	Senior Vice President & Chief Retail Officer	—	Male	—	Active

Noticias recientes de CIVB

GuruFocushace 4 díasNeutral

Civista Bancshares Completes Leadership Transition; Chuck Parcher Assumes Role as President and CEO

Civista Bancshares Completes Leadership Transition; Chuck Parcher Assumes Role as President and CEO PR Newswire SA

PRNewsWirehace 4 díasNeutral

Civista Bancshares Completes Leadership Transition; Chuck Parcher Assumes Role as President and CEO

Dennis Shaffer retires following more than 40 years in banking and will continue serving as Chairman of the Board SANDUSKY, Ohio, Aug. 31, 2026 /PRNewswire/ -- Civista Bancshares, Inc. (NASDAQ: CIVB) ("Civista") today announced the completion of its previously announced leadership transition. Charles A.

Seeking Alpha14/8/2026Neutral

Dividend Champion, Contender, And Challenger Highlights: Week August 16

A weekly summary of dividend activity for Dividend Champions, Contenders, and Challengers. Companies which changed their dividends. Companies with upcoming ex-dividend dates.

Zacks Investment Research7/8/2026Neutral

Why Civista Bancshares (CIVB) is a Great Dividend Stock Right Now

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Civista Bancshares (CIVB) have what it takes?

PRNewsWire24/7/2026Neutral

CIVISTA BANCSHARES, INC. ANNOUNCES REVISED RECORD DATE FOR THIRD QUARTER COMMON DIVIDEND

SANDUSKY, Ohio, July 24, 2026 /PRNewswire/ -- Civista Bancshares, Inc. (NASDAQ: CIVB) today announced that the record date for its previously declared quarterly cash dividend has been revised. The Company previously announced a record date of August 14, 2026.

Evolución del número de empleados de CIVB

Actual

526

Cambio

-0.19%

Mínimo

441

Máximo

532

Presentaciones recientes

Fecha del informe	Empleados	Tipo de formulario	Fecha de presentación	Archivo SEC
31 dic 2025	526	10-K	6 mar 2026	Ver
31 dic 2024	527	10-K	10 mar 2025	Ver
31 dic 2023	532	10-K	14 mar 2024	Ver
31 dic 2022	530	10-K	15 mar 2023	Ver
31 dic 2021	441	10-K	15 mar 2022	Ver

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Civista Bancshares, Inc.