← CIVISTA BANCSHARES, INC. CIVB
Market Price
$28.50
Market Cap
$595.03M
P/E Ratio
10.80
Revenue (FY 2025)
↓-10.0% YoY
$33.97M
3-Yr CAGR: 5.3%
Net Income
↑45.9% YoY
$46.21M
Net Margin: 136.0%
Free Cash Flow
↓-4.4% YoY
$42.12M
FCF Yield: 7.08%
EPS (Diluted)
↑31.3% YoY
$2.64
Basic: $2.64
Return on Equity
Efficiency
8.5%
ROA: 352.8%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (CIVB)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $50.3M | — | $47.0M | $17.2M | — | $1.57 | — | $17.7M | $15.3M | — |
| FY 2017 | $54.5M | +8.4% | $50.4M | $15.9M | -7.8% | $1.28 | -18.5% | $20.8M | $19.8M | +29.7% |
| FY 2018 | $18.1M | -66.7% | $10.6M | $14.1M | -10.9% | $1.02 | -20.3% | $20.0M | $18.5M | -6.7% |
| FY 2019 | $22.4M | +23.8% | $9.5M | $33.9M | +139.6% | $2.01 | +97.1% | $39.5M | $36.3M | +96.5% |
| FY 2020 | $28.2M | +25.6% | $18.0M | $32.2M | -5.0% | $2.00 | -0.5% | $32.2M | $30.2M | -16.8% |
| FY 2021 | $31.5M | +11.6% | $25.1M | $40.5M | +26.0% | $2.63 | +31.5% | $40.8M | $38.8M | +28.4% |
| FY 2022 | $29.1M | -7.6% | $18.0M | $39.4M | -2.8% | $2.60 | -1.1% | $25.2M | $18.7M | -51.9% |
| FY 2023 | $37.2M | +27.8% | $37.2M | $43.0M | +9.0% | $2.73 | +5.0% | $62.7M | $59.3M | +217.4% |
| FY 2024 | $37.7M | +1.6% | $36.6M | $31.7M | -26.3% | $2.01 | -26.4% | $48.2M | $44.1M | -25.7% |
| FY 2025 | $34.0M | -10.0% | $34.0M | $46.2M | +45.9% | $2.64 | +31.3% | $43.3M | $42.1M | -4.4% |
Valuation
Market Price
$28.50
Market Cap
$595.03M
Enterprise Value
N/A
P/E Ratio
10.80
P/B Ratio
1.09
FCF Yield
7.08%
Dividend Yield
N/A
Shares Outstanding
Profitability & Margins
Gross Margin
29.19%
Operating Margin
162.61%
Net Margin
136.05%
Return on Equity (ROE)
8.50%
Return on Assets (ROA)
352.76%
Asset Turnover
2.59x
Revenue 3-Yr CAGR
5.32%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
N/A
Debt / Assets
N/A
Cash & Equivalents
N/A
Total Debt
N/A
Book Value / Share
$26.15
Cash Flow Efficiency
Operating Cash Flow
$43.27M
Capital Expenditures (CapEx)
$1.16M
Free Cash Flow
$42.12M
OCF / Revenue
127.40%
FCF / Revenue
123.99%
FCF 3-Yr CAGR
31.14%
Per Share Metrics
EPS (Diluted)
$2.64
EPS (Basic)
$2.64
Dividends / Share
N/A
Book Value / Share
$26.15
EPS YoY Growth
31.34%
Balance Sheet (FY 2025)
Total Assets
$13.10M
Total Liabilities
$5.87M
Stockholders' Equity
$543.47M
Current Assets
N/A
Current Liabilities
N/A