Civista Bancshares, Inc.

CIVB

$27.53

+0.44%

2026-09-03 14:45:59 EDT+$0.12

Financial Services

Banks - Regional

NASDAQ

Active Trading

Serving as the financial holding company for Civista Bank, Civista Bancshares, Inc. delivers comprehensive community banking services. The company actively gathers various ...

Price Action of CIVB

$27.53

+0.44%+$0.12

High—

Low—

52W High-7.0%

Rel. vol—

Interval

Range5.8h

Volume—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.ExpandCollapse

Founded

1884

Employees

548

CEO

Dennis G. Shaffer

Full Name

Civista Bancshares, Inc.

Sector

Financial Services

Industry

Banks - Regional

ROE

10.05%

Market Cap

$0.57B

Current Ratio

0.21

WACC

13.87%

ROIC

-0.95%

Contact Information

https://www.civb.com

419 625 4121

100 East Water Street, Sandusky, OH 44870-2514

Key Metrics of CIVB

Snapshot

Latest / TTM · 6 periods

Market Cap

$572.16M

ROCE

4.3%

EV / EBITDA

24.33x

-3.7% YoY

FCF Yield

9.8%

-1.0% YoY

Cash Conversion Cycle

0.0d

Current Ratio

0.21

Quick take

TTM —

Current ratio below 1.0

Negative working capital

Financial Highlights of CIVB

Profitability trend

Latest / TTM · 6 periods

Gross Margin

65.8%

Net Margin

24.2%

P/E Ratio

10.15x

n/a

Debt / Equity

0.40

n/a

Current Ratio

0.21

Dividend Yield

2.6%

Understanding

TTM —

Current ratio below 1.0

Calendar of CIVB

Upcoming

Sep 30, 2026In 26 days
Q3 FY2026 · Estimated results
Est. EPS $0.69 · Revenue $48.78M · 4 analysts
Oct 22, 2026In 48 days
Q3 FY2026 · Earnings report
Est. EPS $0.70
Dec 30, 2026
Q4 FY2026 · Estimated results
Est. EPS $0.72 · Revenue $49.46M · 4 analysts
Dec 31, 2026
FY2026 · Estimated annual results
Est. EPS $2.84 · Revenue $193.68M · 5 analysts

Recent history

Aug 18, 2026
Dividend payment
$0.70 per share
Aug 14, 2026
Ex-dividend date
$0.70 per share
Aug 6, 2026
Q2 FY2026 · Results reported
EPS $0.69 · Revenue $39.28M
View filing
May 8, 2026
Q1 FY2026 · Results reported
EPS $0.72 · Revenue $55.81M
View filing
Mar 6, 2026
FY2025 · Annual results
EPS $2.64 · Revenue $254.95M
View filing
Nov 5, 2025
Q3 FY2025 · Results reported
EPS $0.68 · Revenue $63.80M
View filing

Financial Statements of CIVB

Next Earnings Date

Oct 22, 2026

EPS Est. 0.7 · Fiscal period ending 2026-09-30

D-48

5Y Trend (Revenue, Earnings, FCF)

Metric	Latest	YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength.	QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes.
RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three).	$255.0M	+5.4%	-29.6%
Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day.	$46.2M	+45.9%	-4.5%
Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials.	+66.4%	+9.5%	-20.0%
Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on).	+21.7%	+43.3%	-242.1%
Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales.	+18.1%	+38.4%	+35.7%
Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock.	$42.1M	-4.4%	+42.4%
FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine.	+16.5%	-9.3%	+102.3%
Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe.	52.3%	-54.9%	+5.5%
Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking.	0.11x	+3.9%	-78.1%
Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground.	$4.3B	+5.8%	-0.1%

Actual vs Estimate

A Dec 31Q Jun 30

Metric	Annual (A vs E)	Annual Surprise	Quarter (A vs E)	Quarter Surprise
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%

Insider Transactions of CIVB

Acquisitions (A)

Since Jun 8, 2026

Disposals (D)

Since Jun 8, 2026

Monthly shares of acquisitions/disposals with close price trend (shared daily price source)

Insider Trading Snapshot

Date	Executive	Title	Security	Side	Shares	Price
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	—

Earnings Call Transcript of CIVB

1 transcript segments

Q2 2026

Unknown Speaker

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 …

Leadership Team of CIVB

10 executives

Name	Title	Compensation	Gender	Year Born	Status
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

Recent News of CIVB

GuruFocus4 days agoNeutral

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

PRNewsWire4 days agoNeutral

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 Alpha8/14/2026Neutral

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 Research8/7/2026Neutral

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?

PRNewsWire7/24/2026Neutral

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.

Historical Employee Count of CIVB

Current

526

Change

-0.19%

Minimum

441

Maximum

532

Recent Filings

Report Date	Employees	Form Type	Filing Date	SEC Filing
Dec 31, 2025	526	10-K	Mar 6, 2026	View
Dec 31, 2024	527	10-K	Mar 10, 2025	View
Dec 31, 2023	532	10-K	Mar 14, 2024	View
Dec 31, 2022	530	10-K	Mar 15, 2023	View
Dec 31, 2021	441	10-K	Mar 15, 2022	View

Related stocksBanks - Regional

Browse all US stocks →

About UsPrivacy PolicyTerms of ServiceDisclaimerStock DirectoryETFsIndices13F HoldingsAnalyst TargetsFree ToolsTechnology MapJoin our Slack

Plutux is not an investment adviser. Market data and AI-generated analysis are for information and education only, not investment advice. Disclaimer

Civista Bancshares, Inc.