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Civista Bancshares CIVB Q4 2025 Annual earnings

Reported January 29, 2026 · Before market open

Revenue$46.3MBeat by $1.0M
EPS$0.75Beat by $0.14
Revenue estimate$45.3M
EPS estimate$0.61

Next report

Oct 22, 2026 (in a month)
Revenue estimate$48.8M
EPS estimate$0.70

Financials

Q4 2025

Income statement

See full
Revenue$46.3M+14.8%
Net income$12.3M+24.0%
EPS (diluted)$0.60-3.2%

Balance sheet

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Cash & equivalents$77.3M+22.4%
Total debt$2.4M+125%
Total equity$543.5M+39.9%
Total assets$4.3B+5.8%

Cash flow

See full
Operating cash flow$9.6M-57.1%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$429.13M+29.6%
Enterprise value$354.2M+31.7%
P/E9.3×-1.2×
P/S2.5×+0.3×

Profitability

See full
Net margin26.8%+6.3pp

Returns & leverage

See full
Return on equity9.9%+1.6pp
Debt / equity0×0.0×

FAQ

When did Civista Bancshares report Q4 2025 earnings?
Civista Bancshares (CIVB) reported Q4 2025 earnings on January 29, 2026 before market open.
What were Civista Bancshares's Q4 2025 revenue and EPS?
Civista Bancshares reported revenue of $46.3M and eps of $0.75 for Q4 2025.
Did Civista Bancshares beat estimates in Q4 2025?
Revenue beat the consensus estimate of $45.3M by $1.0M. EPS beat the consensus estimate of $0.61 by $0.14.
How did Civista Bancshares's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 16.7% from $39.7M a year earlier and eps grew 19.0% from $0.63.
Where can I find Civista Bancshares's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001193125-26-025624) and the 10-K periodic report (0001193125-26-096836) directly on SEC EDGAR. The filing index links above go to sec.gov.