Civista Bancshares, Inc. - Understand $civb stock

$CIVB Market Cap: $359.9 Million

Research Board Inbox Deep Research Not Interested Shortlisted

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

$74.66M

Q3 2024

P/E

11.75

Nov 29, 2024 EST

Free Cash Flow

$14.28M

TTM

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

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
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

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

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 %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
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

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

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

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

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
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

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.