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Civista Bancshares CIVB Q3 2025 earnings

Reported October 23, 2025 · Before market open

Revenue$43.1MMiss by $2.3M
EPS$0.68Beat by $0.07
Revenue estimate$45.4M
EPS estimate$0.61

Next report

Oct 22, 2026 (in 3 months)
Revenue estimate$49.1M
EPS estimate$0.71

Financials

Q3 2025

Income statement

See full
Revenue$44.2M+12.3%
Net income$12.8M+52.5%
EPS (diluted)$0.68+28.3%

Balance sheet

See full
Total debt$2.6M-99.1%
Total equity$499.0M+26.5%
Total assets$4.1B+1.3%

Cash flow

See full
Operating cash flow$19.0M+47.0%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$392.24M+45.4%
Enterprise value$394.81M-29.1%
P/E8.9×+0.4×
P/S2.4×+0.6×

Profitability

See full
Net margin26.3%+5.8pp

Returns & leverage

See full
Return on equity9.8%+1.2pp
Debt / equity0×-0.7×

Versus estimates

Revenue

Q2 2026$47.6MMiss by $480.0KQ1 2026$47.3MBeat by $1.7MQ4 2025$46.3MBeat by $1.0M
Q3 2025$43.1MMiss by $2.3M
Q2 2025$41.4MMiss by $2.2MQ1 2025$40.1MMiss by $2.9M

Diluted EPS

Q2 2026$0.69Beat by $0.02Q1 2026$0.74Beat by $0.18Q4 2025$0.75Beat by $0.14
Q3 2025$0.68Beat by $0.07
Q2 2025$0.66Miss by $0.03Q1 2025$0.66Beat by $0.16

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Questions, answered.

When did Civista Bancshares report Q3 2025 earnings?
Civista Bancshares (CIVB) reported Q3 2025 earnings on October 23, 2025 before market open.
What were Civista Bancshares's Q3 2025 revenue and EPS?
Civista Bancshares reported revenue of $43.1M and eps of $0.68 for Q3 2025.
Did Civista Bancshares beat estimates in Q3 2025?
Revenue missed the consensus estimate of $45.4M by $2.3M. EPS beat the consensus estimate of $0.61 by $0.07.
How did Civista Bancshares's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 12.5% from $38.3M a year earlier and eps grew 28.3% from $0.53.
Where can I find Civista Bancshares's Q3 2025 SEC filings?
You can read the 10-Q periodic report (0001193125-25-267194) directly on SEC EDGAR. The filing index links above go to sec.gov.