Financial Snapshot

Revenue
$16.66M
TTM
Gross Margin
Net Earnings
$30.64M
TTM
Current Assets
Current Liabilities
$50.54M
Q3 2024
Current Ratio
Total Assets
$4.061B
Q3 2024
Total Liabilities
$3.667B
Q3 2024
Book Value
$394.4M
Q3 2024
Cash
Q3 2024
P/E
11.75
Nov 29, 2024 EST
Free Cash Flow
$14.28M
TTM

Revenues

Revenues

Revenue YoY Change

Revenues

Concept 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
Revenue $30.45M $24.54M $19.64M $99.87M $98.05M $73.68M $58.59M $53.57M $50.70M $45.97M $44.88M $46.76M $48.86M
YoY Change 24.1% 24.96% -80.34% 1.85% 33.09% 25.74% 9.38% 5.65% 10.29% 2.43% -4.02% -4.3%

Expenses

Cost Of Revenues

No data

Gross Profit

No data

Gross Profit Margin

No data

Gross Profit

Concept 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
Revenue $30.45M $24.54M $19.64M $99.87M $98.05M $73.68M $58.59M $53.57M $50.70M $45.97M $44.88M $46.76M $48.86M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

No data

Research & Development

No data

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

No data

R&D To Gross Profit Ratio

No data

DDA To Gross Profit Ratio

No data

Operating Expenses Total

No data

Operating Profits/Loss

No data

Operational Expenses

Concept 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
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $10.76M $4.456M $2.870M $2.253M $2.240M $1.515M $1.249M $1.257M $1.193M $1.176M $1.334M $1.493M $1.551M $2.810M $3.100M $3.410M $1.680M $1.550M $1.740M $1.530M $1.800M $1.480M $1.250M $1.360M $1.270M $1.370M $1.220M
YoY Change 141.47% 55.26% 27.39% 0.58% 47.85% 21.3% -0.64% 5.36% 1.45% -11.84% -10.65% -3.74% -44.8% -9.35% -9.09% 102.98% 8.39% -10.92% 13.73% -15.0% 21.62% 18.4% -8.09% 7.09% -7.3% 12.3% 31.18%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

No data

Other Expense/Income

No data

Interest & Other Expense/Income

Concept 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
Interest Expense $57.24M $11.05M $6.317M $10.14M $12.95M $7.570M $4.092M $3.308M $3.309M $4.104M $4.907M $6.184M $7.500M
YoY Change 418.04% 74.91% -37.69% -21.74% 71.12% 85.0% 23.7% -0.03% -19.37% -16.36% -20.65% -17.55%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept 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
Pretax Income $50.61M $47.04M $47.60M $37.13M $39.56M $16.78M $22.23M $23.84M $17.53M $12.69M $7.552M $7.304M $4.805M -$3.100M $1.400M -$37.60M $9.900M $8.800M $9.600M $6.700M $7.700M $10.00M $7.300M $7.800M $8.400M $8.100M $6.000M
YoY Change 7.61% -1.19% 28.19% -6.14% 135.78% -24.53% -6.73% 36.0% 38.11% 68.03% 3.4% 52.01% -255.0% -321.43% -103.72% -479.8% 12.5% -8.33% 43.28% -12.99% -23.0% 36.99% -6.41% -7.14% 3.7% 35.0% -20.0%
Income Tax $7.649M $7.608M $7.000M $4.940M $5.683M $2.640M $6.360M $6.619M $4.781M $3.162M $1.373M $1.725M $847.0K -$1.800M -$200.0K $1.400M $3.000M $2.700M $3.000M $1.900M $2.100M $2.900M $2.000M $2.100M $2.400M $2.300M $1.600M
% Of Pretax Income 15.11% 16.18% 14.71% 13.3% 14.37% 15.73% 28.61% 27.77% 27.28% 24.92% 18.18% 23.62% 17.63% -14.29% 30.3% 30.68% 31.25% 28.36% 27.27% 29.0% 27.4% 26.92% 28.57% 28.4% 26.67%
Net Earnings $41.38M $39.43M $40.50M $32.19M $33.88M $14.14M $15.87M $17.22M $12.75M $9.528M $6.179M $5.579M $3.958M -$1.300M $1.700M -$39.00M $6.900M $6.200M $6.700M $4.800M $5.600M $7.100M $5.300M $5.700M $6.100M $5.800M $4.400M
YoY Change 4.95% -2.65% 25.81% -4.98% 139.61% -10.92% -7.81% 35.09% 33.76% 54.2% 10.75% 40.96% -404.46% -176.47% -104.36% -665.22% 11.29% -7.46% 39.58% -14.29% -21.13% 33.96% -7.02% -6.56% 5.17% 31.82% -21.43%
Net Earnings / Revenue 135.9% 160.69% 206.26% 32.24% 34.55% 19.19% 27.09% 32.14% 25.14% 20.73% 13.77% 11.93% 8.1%
Basic Earnings Per Share $2.73 $2.60 $2.63 $2.00 $2.12 $1.10 $1.48 $1.96 $1.43 $0.99 $0.65 $0.57 $0.36
Diluted Earnings Per Share $2.73 $2.60 $2.647M $2.00 $2.01 $1.02 $1.28 $1.57 $1.17 $0.85 $0.64 $0.57 $0.36 -$168.8K $220.8K -$5.065M $1.255M $1.127M $1.155M $923.1K $1.120M $1.479M $1.293M $1.390M $1.452M $1.349M $1.023M

Assets & Liabilities

Cash & Short-Term Investments

No data

Cash & Equivalents

Cash To Operating Expenses Ratio

No data

Inventory

No data

Receivables

No data

Total Short-Term Assets

No data

Property, Plant And Equipment

Long-Term Investments

No data

Total Long-Term Assets

No data

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

No data

Short-Term Debt

Long Term Debt Due

No data

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

No data

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept 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
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $56.77M $64.02M $24.80M $25.30M $26.10M $22.00M $17.60M $17.90M $16.90M $14.40M $16.30M $17.20M $17.80M $18.10M $19.70M $21.00M $22.30M $11.60M $12.20M $12.00M $10.50M $8.200M $7.000M $7.200M $7.500M $7.400M $7.600M
YoY Change -11.32% 158.14% -1.98% -3.07% 18.64% 25.0% -1.68% 5.92% 17.36% -11.66% -5.23% -3.37% -1.66% -8.12% -6.19% -5.83% 92.24% -4.92% 1.67% 14.29% 28.05% 17.14% -2.78% -4.0% 1.35% -2.63%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $18.36M $16.01M
YoY Change 14.67%
Total Long-Term Assets
YoY Change
Total Assets $3.861B $3.538B $3.012B $2.769B $2.310B $2.139B $1.526B $1.377B $1.315B $1.213B $1.168B $1.137B $1.113B $1.101B $1.103B $1.054B $1.119B $749.0M $750.9M $817.5M $636.4M $651.6M $487.7M $489.3M $472.2M $508.9M $484.1M
YoY Change
Accounts Payable
YoY Change
Accrued Expenses $47.31M $39.66M $25.70M $24.30M $26.10M $14.90M $13.40M $11.70M $12.20M $12.10M $9.500M $13.70M $10.50M $7.600M $8.900M $12.00M $8.200M $8.200M $5.300M $3.900M $3.600M $3.400M $2.900M $3.200M $2.900M $6.700M $5.100M
YoY Change 19.29% 54.31% 5.76% -6.9% 75.17% 11.19% 14.53% -4.1% 0.83% 27.37% -30.66% 30.48% 38.16% -14.61% -25.83% 46.34% 0.0% 54.72% 35.9% 8.33% 5.88% 17.24% -9.38% 10.34% -56.72% 31.37%
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $25.14M $25.50M $28.90M $120.2M $210.8M $78.70M $59.90M $78.70M $64.30M $30.10M $23.20M $19.00M $23.90M $24.30M $35.10M $29.70M $26.80M $18.90M $14.50M $13.10M $18.50M $11.00M $34.20M $16.00M $17.30M $11.20M
YoY Change -100.0% -1.4% -11.76% -75.96% -42.98% 167.85% 31.39% -23.89% 22.4% 113.62% 29.74% 22.11% -20.5% -1.65% -30.77% 18.18% 10.82% 41.8% 30.34% 10.69% -29.19% 68.18% -67.84% 113.75% -7.51% 54.46%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $47.31M $39.66M $25.70M $24.30M $26.10M $14.90M $13.40M $11.70M $12.20M $12.10M $9.500M $13.70M $10.50M $7.600M $8.900M $12.00M $8.200M $8.200M $5.300M $3.900M $3.600M $3.400M $2.900M $3.200M $2.900M $6.700M $5.100M
YoY Change 19.29% 54.31% 5.76% -6.9% 75.17% 11.19% 14.53% -4.1% 0.83% 27.37% -30.66% 30.48% 38.16% -14.61% -25.83% 46.34% 0.0% 54.72% 35.9% 8.33% 5.88% 17.24% -9.38% 10.34% -56.72% 31.37%
Long-Term Debt $113.8M $119.3M $102.8M $29.40M $29.40M $29.40M $29.40M $29.40M $29.40M $29.40M $29.40M $29.40M $29.40M $29.40M $29.40M $49.90M $50.90M $31.00M $32.00M $33.00M $21.50M $18.00M $14.00M $10.60M $0.00 $0.00 $0.00
YoY Change -4.62% 16.07% 249.66% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% -41.08% -1.96% 64.19% -3.13% -3.03% 53.49% 19.44% 28.57% 32.08%
Other Long-Term Liabilities $2.885M $1.616M $11.10M $21.80M
YoY Change 78.53% -85.44% -49.08%
Total Long-Term Liabilities $116.7M $120.9M $113.9M $51.20M $29.40M $29.40M $29.40M $29.40M $29.40M $29.40M $29.40M $29.40M $29.40M $29.40M $29.40M $49.90M $50.90M $31.00M $32.00M $33.00M $21.50M $18.00M $14.00M $10.60M $0.00 $0.00 $0.00
YoY Change -3.51% 6.17% 122.46% 74.15% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% -41.08% -1.96% 64.19% -3.13% -3.03% 53.49% 19.44% 28.57% 32.08%
Total Liabilities $3.489B $3.203B $2.657B $2.419B $1.979B $1.840B $1.341B $1.240B $1.190B $1.097B $1.039B $1.033B $1.010B $1.004B $1.004B $977.0M $993.1M $669.5M $663.8M $729.3M $567.3M $579.9M $438.9M $441.3M $424.0M $455.1M $432.9M
YoY Change 8.94% 20.56% 9.84% 22.2% 7.57% 37.18% 8.21% 4.18% 8.44% 5.59% 0.6% 2.24% 0.67% -0.03% 2.76% -1.62% 48.33% 0.86% -8.98% 28.56% -2.17% 32.13% -0.54% 4.08% -6.83% 5.13%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

No data

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept 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
Basic Shares Outstanding 15.15M 14.97M 15.34M 16.13M 15.65M 11.97M 9.907M 8.010M 7.822M 7.708M shares 7.708M shares 7.708B shares 7.708B shares
Diluted Shares Outstanding 15.15M 14.97M 15.34M 16.13M 16.85M 13.86M 12.35M 10.95M 10.92M 10.90M shares 7.822M shares 7.708B shares 7.708B shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Dividends

No data

Stock Price

Market Cap: $359.89 Million

About CIVISTA BANCSHARES, INC.

Civista Bancshares, Inc. is a financial holding company engaged in the community banking business. The company is headquartered in Sandusky, Ohio and currently employs 534 full-time employees. The Company, through its subsidiary, Civista Bank, is engaged in the business of community banking. Civista Bank through its locations in the Ohio counties of Erie, Crawford, Champaign, Cuyahoga, Franklin, Huron, Logan, Madison, Montgomery, Ottawa, Richland, Henry, Wood, and Summit, in the Indiana counties of Dearborn and Ripley and in the Kentucky county of Kenton, conducts a general banking business that involves collecting customer deposits, making loans, purchasing securities, and offering Trust services. Civista Bank is also engaged in a general equipment leasing and financing business through its Civista Leasing & Financing (CLF) division. Its Civista Wealth Management division offers investment advisory services to individuals, families, businesses, and non-profits with personalized investment management, 401(k) advisory services for employers, financial planning, and trust services.

Industry: State Commercial Banks Peers: Capital Bancorp Inc Esquire Financial Holdings, Inc. FARMERS & MERCHANTS BANCORP INC First Bancorp, Inc /ME/ First Internet Bancorp SOUTHERN FIRST BANCSHARES INC MACATAWA BANK CORP PNC FINANCIAL SERVICES GROUP, INC.