📊 CIVB Key Takeaways
Is Civista Bancshares, Inc.. (CIVB) a Good Investment?
Civista Bancshares faces severe financial distress with an interest coverage ratio of 0.4x, indicating inability to cover interest expenses from operating income. Combined with a catastrophic 91% revenue decline and returns on assets of only 0.3%, the company's fundamental viability is critically compromised. The extremely low ROE of 2.7% reflects severe value destruction for shareholders.
Civista Bancshares shows stable bottom-line profitability with $46.21M in net income, improved diluted EPS, and decent bank-level returns on assets and equity. However, the reported 91.4% revenue decline and unusually high margin figures suggest either unusual nonrecurring items or classification noise, which weakens the quality and predictability of earnings. The balance sheet appears adequately capitalized, but low interest coverage and unclear revenue durability keep the fundamentals in a middle-ground position.
Civista Bancshares, Inc.. Key Strengths (CIVB)
- Zero long-term debt listed on balance sheet
- Positive free cash flow of 11.0M despite headwinds
- Diluted EPS increased 31.3% year-over-year through apparent share repurchases
- Net income remained solid at $46.21M with diluted EPS up 31.3% year over year
- ROA of 1.1% and ROE of 8.5% indicate acceptable profitability for a regional bank
- Equity of $543.47M against $4.34B in assets provides a reasonable capital base
CIVB Stock Risks: Civista Bancshares, Inc.. Investment Risks
- Interest coverage of 0.4x - cannot cover interest expenses from operating income, indicating insolvency risk
- Revenue collapsed 91% year-over-year - signals severe loss of business or accounting restatement
- ROA of 0.3% and ROE of 2.7% are critically low for a bank, indicating severe profitability deterioration
- Data quality issues suggest unreliable reporting (operating margin 374%, net margin 311.3%)
- Revenue fell 91.4% year over year, raising concern about earnings sustainability and core operating momentum
- Operating and net margins above 200% imply distorted or nonrecurring accounting effects rather than clean recurring profitability
- Interest coverage of 1.2x leaves limited cushion if funding costs stay elevated or credit performance weakens
Key Metrics to Watch
- Interest coverage ratio - currently unsustainable at 0.4x
- Net interest margin trends and loan loss provisions
- Asset quality indicators (NPL ratio, charge-offs)
- Deposit stability and funding composition
- Net interest income and net interest margin trend
- Provision for credit losses and nonperforming asset levels
Civista Bancshares, Inc.. (CIVB) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 228.9% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
CIVB Profit Margin, ROE & Profitability Analysis
CIVB vs Finance Sector: How Civista Bancshares, Inc.. Compares
How Civista Bancshares, Inc.. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Civista Bancshares, Inc.. Stock Overvalued? CIVB Valuation Analysis 2026
Based on fundamental analysis, Civista Bancshares, Inc.. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Civista Bancshares, Inc.. Balance Sheet: CIVB Debt, Cash & Liquidity
CIVB Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Civista Bancshares, Inc..'s revenue has grown significantly by 55% over the 5-year period, indicating strong business expansion. The most recent EPS of $2.73 reflects profitable operations.
CIVB Revenue Growth, EPS Growth & YoY Performance
CIVB Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $4.8M | $10.2M | $0.66 |
| Q3 2025 | $5.2M | $8.4M | $0.53 |
| Q2 2025 | $5.1M | $7.1M | $0.45 |
| Q1 2025 | $4.8M | $6.4M | $0.41 |
| Q3 2024 | $5.1M | $8.4M | $0.53 |
| Q2 2024 | $5.8M | $7.1M | $0.45 |
| Q1 2024 | $5.7M | $6.4M | $0.41 |
| Q3 2023 | $4.8M | $10.4M | $0.66 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Civista Bancshares, Inc.. Dividends, Buybacks & Capital Allocation
CIVB SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Civista Bancshares, Inc.. (CIK: 0000944745)
📋 Recent SEC Filings
❓ Frequently Asked Questions about CIVB
What is the AI rating for CIVB?
Civista Bancshares, Inc.. (CIVB) has a Combined AI Grade of C from Claude (D) and ChatGPT (B) with 72% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are CIVB's key strengths?
Claude: Zero long-term debt listed on balance sheet. Positive free cash flow of 11.0M despite headwinds. ChatGPT: Net income remained solid at $46.21M with diluted EPS up 31.3% year over year. ROA of 1.1% and ROE of 8.5% indicate acceptable profitability for a regional bank.
What are the risks of investing in CIVB?
Claude: Interest coverage of 0.4x - cannot cover interest expenses from operating income, indicating insolvency risk. Revenue collapsed 91% year-over-year - signals severe loss of business or accounting restatement. ChatGPT: Revenue fell 91.4% year over year, raising concern about earnings sustainability and core operating momentum. Operating and net margins above 200% imply distorted or nonrecurring accounting effects rather than clean recurring profitability.
What is CIVB's revenue and growth?
Civista Bancshares, Inc.. reported revenue of $4.8M.
Does CIVB pay dividends?
Civista Bancshares, Inc.. pays dividends, with $3.7M distributed to shareholders in the trailing twelve months.
Where can I find CIVB SEC filings?
Official SEC filings for Civista Bancshares, Inc.. (CIK: 0000944745) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CIVB's EPS?
Civista Bancshares, Inc.. has a diluted EPS of $0.72.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is CIVB's fundamental grade?
Based on our AI fundamental analysis in June 2026, Civista Bancshares, Inc.. has a C grade with 72% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is CIVB stock overvalued or undervalued?
Valuation metrics for CIVB: ROE of 2.7% (sector avg: 12%), net margin of 311.3% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is CIVB's AI grade for 2026?
Our dual AI analysis gives Civista Bancshares, Inc.. a combined C grade for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is CIVB's free cash flow?
Civista Bancshares, Inc..'s operating cash flow is $12.2M, with capital expenditures of $1.2M. FCF margin is 228.9%.
How does CIVB compare to other Finance stocks?
Vs Finance sector averages: Net margin 311.3% (avg: 25%), ROE 2.7% (avg: 12%), current ratio N/A (avg: 1.2).