CIVB
CIVISTA BANCSHARES, INC.
NASDAQ · Financial Services · Banks - Regional · US
$28.81
+1.19%Income statement
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue | |||||
| Total Revenue | 228.2M | 255.0M | 241.9M | 217.5M | 153.0M |
| Cost of Revenue | 75.5M | 85.8M | 95.3M | 61.7M | 17.7M |
| Gross Profit | 152.7M | 169.2M | 146.6M | 155.8M | 135.3M |
| Operating Expenses | |||||
| R&D Expense | — | — | — | — | — |
| SG&A Expense | 99.0M | 72.8M | 66.5M | 61.3M | 53.4M |
| General & Admin Expense | 98.4M | 72.8M | 64.5M | 59.9M | 51.9M |
| Selling & Marketing Expense | 543.0K | — | 2.1M | 1.4M | 1.5M |
| Other Expenses | 19.1M | 41.2M | 43.4M | 43.9M | 34.9M |
| Total Operating Expenses | 118.1M | 113.9M | 110.0M | 105.2M | 88.2M |
| Cost and Expenses | 193.6M | 199.7M | 205.3M | 166.9M | 105.9M |
| Operating Income (EBIT) | 34.6M | 55.2M | 36.6M | 50.6M | 47.0M |
| Non-Operating | |||||
| Interest Income | 225.9M | 221.0M | 206.7M | 182.7M | 126.2M |
| Interest Expense | 73.6M | 82.4M | 90.0M | 57.2M | 16.0M |
| Net Interest Income | 152.3M | 138.6M | 116.7M | 125.5M | 110.2M |
| Other Non-Op Income/Expense | 35.2M | — | — | — | — |
| Non-Operating Income (excl Interest) | (18.4M) | — | — | — | — |
| EBT (Pre-Tax Income) | 69.7M | 55.2M | 36.6M | 50.6M | 47.0M |
| Income Tax Expense | 12.2M | 9.0M | 4.9M | 7.6M | 7.6M |
| Bottom Line | |||||
| Net Income | 57.6M | 46.2M | 31.7M | 43.0M | 39.4M |
| Earnings from Cont. Ops | 57.6M | 46.2M | 31.7M | 43.0M | 39.4M |
| Earnings from Discont. Ops | — | — | — | — | — |
| Bottom Line Net Income | 57.5M | 46.0M | 31.7M | 43.0M | 39.4M |
| Per Share | |||||
| Basic EPS | $2.79 | $2.64 | $2.01 | $2.73 | $2.60 |
| Diluted EPS | $2.79 | $2.64 | $2.01 | $2.73 | $2.60 |
| Revenue Per Share | $11.03 | $14.56 | $15.70 | $14.35 | $10.22 |
| Shares | |||||
| Basic Shares Outstanding | 20.7M | 17.5M | 15.4M | 15.2M | 15.0M |
| Diluted Shares Outstanding | 20.7M | 17.5M | 15.4M | 15.2M | 15.0M |
| Profitability Metrics | |||||
| EBITDA | 52.9M | 65.1M | 47.6M | 63.0M | 52.8M |
| D&A | — | 9.9M | 11.0M | 12.3M | 5.8M |
| EBIT | 52.9M | 55.2M | 36.6M | 50.6M | 47.0M |
As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Sep 1, 2026