Civista Bancshares, Inc. logo CIVB - Civista Bancshares, Inc.

Price: -- -- | CONSENSUS: Buy DETAILS
STRONG
BUY
0
BUY 5
HOLD 3
SELL 0
STRONG
SELL
0
| PRICE TARGET: $27.00 DETAILS
HIGH: $27.00
LOW: $27.00
MEDIAN: $27.00
CONSENSUS: $27.00
UPSIDE: 6.05%
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996
Revenue
Revenue 255.0 241.9 217.5 153.0 134.2 126.2 118.6 90.7 74.1 69.1 64.3 59.0 56.3 57.3 58.3 62.0 65.3 72.2 57.5 52.5 50.3 40.0 41.0 42.8 41.5 39.9 38.6 23.9 14.3 13.0
Cost of Revenue 85.8 95.3 61.7 17.7 10.5 20.2 14.0 8.3 4.1 2.0 4.5 5.6 6.0 12.6 17.3 28.4 28.2 30.0 21.4 16.7 12.7 10.0 10.4 12.9 17.3 16.6 15.4 17.7 10.2 9.6
Gross Profit 169.2 146.6 155.8 135.3 123.7 105.9 104.6 82.4 70.0 67.1 59.8 53.4 50.3 44.7 41.0 33.6 37.1 42.2 36.1 35.8 37.6 30.1 30.6 29.9 24.2 23.3 23.2 6.2 4.0 3.4
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 72.8 66.5 61.3 53.4 46.8 44.3 44.1 47.3 33.2 28.4 27.4 26.4 28.1 22.9 22.0 22.0 20.5 20.9 13.6 14.3 15.0 12.7 12.0 9.3 7.8 7.1 6.9 7.2 5.9 5.2
Other Expenses 41.2 43.4 43.9 34.9 28.5 24.5 21.0 18.3 14.6 14.8 14.9 14.4 14.6 14.5 14.1 14.7 15.2 59.0 12.5 12.6 12.9 10.7 10.9 10.6 9.2 8.4 7.9 (9.0) (6.6) (7.3)
Operating Expenses 113.9 110.0 105.2 88.2 75.4 68.8 65.1 65.6 47.8 43.2 42.3 40.7 42.7 37.4 36.2 36.7 35.7 79.9 26.2 27.0 27.9 23.3 22.9 19.9 16.9 15.5 14.8 (1.9) (0.7) (2.1)
Operating Income
Operating Income 55.2 36.6 50.6 47.0 48.4 37.1 39.6 16.8 22.2 23.8 17.5 12.7 7.6 7.3 4.8 (3.1) 1.4 (37.6) 9.9 8.8 9.6 6.7 7.7 10.0 7.3 7.8 8.4 8.1 4.7 5.5
Interest Expense 82.4 90.0 57.2 16.0 9.6 10.1 13.0 7.6 4.1 3.3 3.3 4.1 4.9 6.2 7.5 10.5 14.9 21.8 20.4 15.6 11.6 8.2 8.4 11.7 15.5 15.8 15.1 17.3 9.8 9.3
Interest Income 221.0 206.7 182.7 126.2 105.1 99.9 98.1 73.7 58.6 53.6 50.7 46.0 44.9 46.8 48.9 51.9 55.2 62.3 49.9 45.9 42.4 33.8 33.3 36.0 35.3 34.2 33.1 34.2 22.8 21.8
Profitability
EBITDA 55.2 47.6 63.0 52.8 51.2 40.3 42.7 18.7 24.1 25.8 19.4 14.6 9.7 9.8 7.5 (0.3) 4.5 (34.2) 11.2 10.4 11.4 7.5 9.8 12.7 8.9 9.1 10.3 9.5 5.9 6.4
EBIT 55.2 36.6 50.6 47.0 48.4 37.1 39.6 16.8 22.2 23.8 17.5 12.7 7.6 7.3 4.8 (3.1) 1.4 (37.6) 9.9 8.8 9.6 6.7 7.7 10.0 7.3 7.8 8.4 8.1 4.7 5.5
Income Before Tax 55.2 36.6 50.6 47.0 48.4 37.1 39.6 16.8 22.2 23.8 17.5 12.7 7.6 7.3 4.8 (3.1) 1.4 (37.6) 9.9 8.8 9.6 6.7 7.7 10.0 7.3 7.8 8.4 8.1 4.7 5.5
Income Tax Expense 9.0 4.9 7.6 7.6 7.8 4.9 5.7 2.6 6.4 6.6 4.8 3.2 1.4 1.7 0.8 (1.8) (0.2) 1.4 3.0 2.7 3.0 1.9 2.1 2.9 2.0 2.1 2.4 2.3 1.3 1.5
Net Income 46.2 31.7 43.0 39.4 40.5 32.2 33.9 14.1 15.9 17.2 12.7 9.5 6.2 5.6 4.0 (1.3) 1.7 (39.0) 6.9 6.2 6.7 4.8 5.6 7.1 5.3 5.7 6.1 5.8 3.4 4.0
Per Share Data
EPS (Basic) 2.64 2.01 2.73 2.60 2.63 2.00 2.16 1.02 1.48 1.96 1.43 0.99 0.65 0.57 0.36 -0.32 0.09 -5.06 1.25 1.12 1.15 0.92 1.11 1.48 1.30 1.39 1.43 1.35 1.13 1.30
EPS (Diluted) 2.64 2.01 2.73 2.60 2.63 2.00 2.01 1.02 1.28 1.57 1.17 0.85 0.65 0.57 0.36 -0.32 0.09 -5.06 1.25 1.12 1.15 0.92 1.10 1.48 1.30 1.39 1.43 1.35 1.13 1.30
Shares Outstanding 17.5 15.4 15.2 15.0 15.3 16.1 15.7 13.9 9.9 8.0 7.8 7.7 7.7 7.7 7.7 7.7 7.7 7.7 5.5 5.5 5.8 5.2 5.0 4.8 4.1 4.1 4.2 4.3 3.0 3.0
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2009 2008 2004 2003 2002 2001 2000 1999 1998 1997 1996
Current Assets
Cash & Cash Equivalents 78.5 64.6 61.6 44.8 255.2 128.2 48.5 42.8 40.5 36.7 26.9 26.6 25.7 22.0 23.8 19.2 15.8 14.7 36.4 24.7 20.1
Short-Term Investments 321.4 265.3 618.3 615.4 559.9 363.5 358.5 346.3 230.2 195.9 0 0 0 0 0 0 0 0 0 0 0
Net Receivables 14.4 59.0 67.2 47.5 7.4 9.4 7.1 6.7 4.5 3.9 5.4 5.8 4.8 4.1 4.8 3.9 4.1 3.7 3.7 2.0 1.8
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Assets 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Current Assets 414.3 388.9 747.1 707.8 822.4 501.1 414.1 395.8 275.2 236.4 32.4 32.4 30.5 26.1 28.6 23.1 19.8 18.3 40.1 26.8 22.0
Non-Current Assets
Property, Plant & Equipment 40.6 47.2 56.8 64.0 22.4 22.6 22.9 22.0 17.6 17.9 19.7 21.0 12.0 10.5 8.2 7.0 7.2 7.5 7.4 7.0 6.4
Goodwill 130.4 125.5 125.5 125.7 76.9 76.9 76.9 76.9 27.1 27.1 21.7 21.7 0 0 0 0 0 3.7 3.7 2.0 1.7
Intangible Assets 13.1 7.9 9.5 10.8 7.6 8.1 8.3 9.4 1.3 1.8 6.5 7.8 4.8 4.1 4.8 3.9 4.1 0 0 0 0
Long-Term Investments 3,594.2 3,417.5 2,816.6 2,636.4 2,002.4 2,082.6 1,726.9 1,571.7 1,168.8 1,058.5 998.2 954.9 719.6 572.6 572.3 447.4 458.3 437.3 453.8 287.7 271.2
Other Non-Current Assets 127.4 89.8 87.6 76.3 80.2 77.7 60.5 63.2 35.8 35.5 24.3 15.8 24.7 9.7 24.5 8.6 2.0 6.9 5.1 1.7 1.5
Total Non-Current Assets 3,922.2 3,709.5 3,114.4 2,931.7 2,190.5 2,267.8 1,895.4 1,743.2 1,250.6 1,140.8 1,070.4 1,021.2 787.0 610.3 623.0 464.6 469.4 453.9 468.8 299.2 280.8
Total Assets 4,336.5 4,098.5 3,861.4 3,639.4 3,012.9 2,768.9 2,309.6 2,139.0 1,525.9 1,377.3 1,102.8 1,053.6 817.5 636.4 651.6 487.7 489.3 472.2 508.9 325.9 302.8
Current Liabilities
Account Payables 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Short-Term Debt 175 339 338 418.8 25.5 28.9 120.2 22.2 21.8 28.9 24.3 55.6 45.3 32.0 18.7 11.8 35.6 16.0 0 0 0
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 3,466.5 3,211.9 2,985.0 2,620.0 2,416.7 2,189.4 1,678.8 1,579.9 1,204.9 1,121.1 856.1 809.9 647.0 510.2 539.9 410.2 392.0 403.2 417.9 265.0 240.5
Total Current Liabilities 3,641.5 3,550.9 3,323.0 3,063.5 2,467.9 2,242.6 1,816.1 1,617.0 1,240.1 1,161.7 889.2 877.6 692.4 542.2 558.6 422.0 427.5 419.2 424.6 266.8 242.1
Non-Current Liabilities
Long-Term Debt 109.2 111.9 116.2 224.5 178.7 154.4 154.4 223.0 101.3 77.9 114.8 99.4 33 21.5 18 14 10.6 2.0 14.2 17.4 17.1
Deferred Tax Liabilities 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 42.3 47.2 50.2 16.6 11.1 21.8 8.9 0 0 0 0 0 3.9 3.6 3.4 2.9 3.2 2.9 16.4 6.9 9.2
Total Non-Current Liabilities 151.5 159.1 166.4 241.1 189.8 176.2 163.3 223.0 101.3 77.9 114.8 99.4 36.9 25.1 21.4 16.9 13.8 4.8 30.6 24.3 26.2
Total Liabilities 3,793.0 3,710.0 3,489.4 3,304.6 2,657.7 2,418.8 1,979.4 1,840.1 1,341.4 1,239.6 1,004.0 977.0 729.3 567.3 579.9 438.9 441.3 424.0 455.1 291.1 268.4
Stockholders' Equity
Common Stock 419.8 312.0 311.2 310.2 277.7 277.0 276.4 266.9 153.8 119.0 0 0 68.4 47.4 47.4 23.3 23.3 23.3 23.3 15.3 15.3
Retained Earnings 239.8 205.4 183.8 156.5 125.6 93.0 68.0 41.3 31.7 19.3 (17.8) (16.5) 27.8 28.6 29.6 28.8 28.6 28.0 26.8 19.2 19.0
Accumulated Other Comprehensive Income (40.3) (53.4) (47.5) (58.0) 8.8 14.6 6.9 (268.4) (154.9) (121.3) (3.8) (4.0) (0.5) 0.4 2.0 1.5 0.9 (0.2) 3.7 0.4 0.2
Total Stockholders' Equity 543.5 388.5 372.0 334.8 355.2 350.1 330.1 298.9 184.5 137.6 98.8 76.6 88.2 69.1 71.7 48.7 47.9 48.2 53.7 34.8 34.4
Total Liabilities & Equity 4,336.5 4,098.5 3,861.4 3,639.4 3,012.9 2,768.9 2,309.6 2,139.0 1,525.9 1,377.3 1,102.8 1,053.6 817.5 636.4 651.6 487.7 489.3 472.2 508.9 325.9 302.8
Debt Metrics
Total Debt 284.2 450.9 454.2 643.4 204.2 183.3 274.6 245.2 123.1 106.9 139.1 155.0 78.3 53.5 36.7 25.8 46.2 18 14.2 17.4 17.1
Net Debt 205.7 386.3 392.6 598.5 (51.0) 55.1 226.1 202.4 82.6 70.2 112.2 128.4 52.7 31.5 12.9 6.6 30.4 3.4 (22.2) (7.3) (3.1)
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996
Operating Activities
Net Income 46.2 31.7 43.0 39.4 40.5 32.2 33.9 14.1 15.9 17.2 6.7 4.8 5.6 7.1 5.3 5.7 6.1 5.8 3.4 4.0
Depreciation & Amortization 9.9 11.0 12.3 5.8 2.9 3.2 3.2 1.9 1.8 2.0 1.7 0.8 2.1 2.7 1.6 1.3 1.9 1.4 1.1 0.9
Stock-Based Compensation 0.9 0.9 1.0 0.8 0.7 0.6 0.5 0.4 0.4 0.3 0 0 0 0 0 0 0 0 0 0
Change in Working Capital (7.5) 3.0 5.7 (22.0) 2.0 (1.5) 1.0 0.4 0.7 (1.6) (1.5) (1.5) 3.1 (4.5) (0.5) (0.4) 1.5 (0.4) (0.2) 0.5
Other Non-Cash Items (7.4) 3.5 1.4 0.7 (6.7) 0.4 (0.5) 2.7 1.0 (0.4) 1.1 1.9 (1.7) 1.7 (1.9) (0.7) (1.7) (4.2) (0.3) (0.3)
Operating Cash Flow 43.3 48.2 62.7 25.2 40.8 32.7 38.8 19.6 20.8 17.7 8.6 6.0 9.1 7.1 4.6 6.0 7.3 3.3 4.0 5.1
Investing Activities
Capital Expenditure (1.2) (4.2) (3.4) (6.5) (1.9) (2.0) (3.2) (1.5) (1.0) (2.4) (1.3) (0.6) (3.3) (0.7) (0.6) (0.7) (1.4) (0.8) (0.5) (0.9)
Acquisitions 149.5 0 0 (51.6) 0 0 0 143.8 0 0 (11.3) (7.6) 0 0 0 0 0 0 0 0
Purchases of Investments (123.8) (87.2) (46.5) (146.8) (268.6) (56.4) (72.6) (135.2) (71.0) (42.4) (12.7) (42.2) (36.7) (92.4) (40.9) (4.3) (24.5) (84.9) (15.6) (13.8)
Sales/Maturities of Investments 111.3 48.5 59.3 109.5 68.2 60.7 72.4 56.8 35.3 38.4 37.2 80.5 93.2 58.5 38.7 46.4 57.3 68.0 2.3 7.3
Other Investing Activities (80.2) (215.9) (321.2) (315.0) 71.7 (343.3) (147.3) (97.7) (109.5) (57.2) 28.8 (16.2) (44.8) 15.9 9.0 (56.2) (5.5) (3.0) (4.4) 1.9
Investing Cash Flow 55.6 (258.8) (311.8) (410.4) (130.5) (341.0) (150.8) (33.8) (146.2) (63.6) 40.7 13.9 8.5 (18.8) 6.2 (14.8) 25.9 (20.8) (18.2) (5.5)
Financing Activities
Net Debt Issuance (166.8) (3.3) (62.5) 257.9 23.4 (101.5) 32.9 121.7 23.4 (22.7) 3.1 18.3 16.8 8.2 (20.3) 28.2 (12.6) 14.5 8.7 (3.0)
Stock Repurchased (0.2) (0.2) (1.6) (16.9) (22.3) (13.5) (3.9) 0 (0.0) 0 (0.1) (0.3) 0 0 0 0 0 0 0 0
Dividends Paid (11.8) (10.1) (9.6) (8.5) (8.0) (7.1) (7.2) (4.7) (3.7) (3.3) (6.5) (5.6) (6.5) (6.4) (5.1) (5.1) (4.9) (4.5) (3.3) (3.1)
Other Financing Activities 18.5 226.8 339.9 (68.3) 223.9 520.9 95.3 (100.5) 76.7 73.0 (51.1) (28.7) (29.7) 16.8 18.2 (11.2) (14.7) 6.2 11.4 1.8
Financing Cash Flow (84.7) 213.3 266.1 164.3 216.9 398.8 116.7 16.4 129.2 47 (54.7) (16.3) (19.4) 16.3 (7.3) 9.9 (35.1) 16.2 16.9 (4.3)
Cash Position
Net Change in Cash 14.2 2.7 17.0 (220.9) 127.2 90.5 4.8 2.3 3.8 1.1 (5.4) 3.7 (1.8) 4.6 3.5 1.1 (1.8) (1.3) 2.7 (4.7)
Cash at Beginning 63.2 60.4 43.4 264.2 137.0 46.6 41.8 40.5 36.7 35.6 25.7 22.0 23.8 19.2 15.7 14.6 16.4 17.7 11.6 16.3
Cash at End 77.3 63.2 60.4 43.4 264.2 137.0 46.6 42.8 40.5 36.7 20.3 25.7 22.0 23.8 19.2 15.7 14.6 16.4 14.3 11.6
Free Cash Flow 42.1 44.1 59.3 18.7 38.8 30.7 35.6 18.2 19.8 15.3 7.2 5.4 5.9 6.4 3.9 5.3 5.9 2.5 3.5 4.2
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996
Income Statement
Revenue 255.0 241.9 217.5 153.0 134.2 126.2 118.6 90.7 74.1 69.1 64.3 59.0 56.3 57.3 58.3 62.0 65.3 72.2 57.5 52.5 50.3 40.0 41.0 42.8 41.5 39.9 38.6 23.9 14.3 13.0
Gross Profit 169.2 146.6 155.8 135.3 123.7 105.9 104.6 82.4 70.0 67.1 59.8 53.4 50.3 44.7 41.0 33.6 37.1 42.2 36.1 35.8 37.6 30.1 30.6 29.9 24.2 23.3 23.2 6.2 4.0 3.4
Operating Income 55.2 36.6 50.6 47.0 48.4 37.1 39.6 16.8 22.2 23.8 17.5 12.7 7.6 7.3 4.8 (3.1) 1.4 (37.6) 9.9 8.8 9.6 6.7 7.7 10.0 7.3 7.8 8.4 8.1 4.7 5.5
Net Income 46.2 31.7 43.0 39.4 40.5 32.2 33.9 14.1 15.9 17.2 12.7 9.5 6.2 5.6 4.0 (1.3) 1.7 (39.0) 6.9 6.2 6.7 4.8 5.6 7.1 5.3 5.7 6.1 5.8 3.4 4.0
EPS (Diluted) 2.64 2.01 2.73 2.60 2.63 2.00 2.01 1.02 1.28 1.57 1.17 0.85 0.65 0.57 0.36 -0.32 0.09 -5.06 1.25 1.12 1.15 0.92 1.10 1.48 1.30 1.39 1.43 1.35 1.13 1.30
Balance Sheet
Cash & Equivalents 78.5 64.6 61.6 44.8 255.2 128.2 48.5 42.8 40.5 36.7 26.9 26.6 25.7 22.0 23.8 19.2 15.8 14.7 36.4 24.7 20.1
Total Assets 4,336.5 4,098.5 3,861.4 3,639.4 3,012.9 2,768.9 2,309.6 2,139.0 1,525.9 1,377.3 1,102.8 1,053.6 817.5 636.4 651.6 487.7 489.3 472.2 508.9 325.9 302.8
Total Debt 284.2 450.9 454.2 643.4 204.2 183.3 274.6 245.2 123.1 106.9 139.1 155.0 78.3 53.5 36.7 25.8 46.2 18 14.2 17.4 17.1
Stockholders' Equity 543.5 388.5 372.0 334.8 355.2 350.1 330.1 298.9 184.5 137.6 98.8 76.6 88.2 69.1 71.7 48.7 47.9 48.2 53.7 34.8 34.4
Cash Flow
Operating Cash Flow 43.3 48.2 62.7 25.2 40.8 32.7 38.8 19.6 20.8 17.7 8.6 6.0 9.1 7.1 4.6 6.0 7.3 3.3 4.0 5.1
Capital Expenditure (1.2) (4.2) (3.4) (6.5) (1.9) (2.0) (3.2) (1.5) (1.0) (2.4) (1.3) (0.6) (3.3) (0.7) (0.6) (0.7) (1.4) (0.8) (0.5) (0.9)
Free Cash Flow 42.1 44.1 59.3 18.7 38.8 30.7 35.6 18.2 19.8 15.3 7.2 5.4 5.9 6.4 3.9 5.3 5.9 2.5 3.5 4.2