What is Civista Bancshares's debt-to-assets?

Civista Bancshares (CIVB) reported debt-to-assets of 0× in Q1 2026.

How has Civista Bancshares's debt-to-assets changed year-over-year?

Civista Bancshares's debt-to-assets decreased by 16.7% year-over-year, from 0× to 0×.

What is the long-term trend for Civista Bancshares's debt-to-assets?

Over 5 years (2020 to 2025), Civista Bancshares's debt-to-assets has grown at a -58.0% compound annual growth rate (CAGR), from 0× to 0×.

What does debt-to-assets mean?

Total debt divided by total assets at the quarter end. Measures the share of the asset base financed by debt.

Civista Bancshares CIVB Debt-to-assets

Debt-to-assets at other companies

Fifth Third BankFITB

0.1×0.0×

Huntington BancsharesHBAN

0.1×0.0×

KeyCorpKEY

0.1×0.0×

Equity BancsharesEQBK

0×0.0×

SMB

SmartFinancialSMBK

0×0.0×

Citizens Financial Services, Inc.CZFS

0.1×0.0×

Other financials

Income statement

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Revenue$47.3M+16.3%

Net income$15.0M+47.4%

EPS (diluted)$0.72+9.1%

Balance sheet

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Cash & equivalents$77.3M+22.4%

Total debt$2.2M-10.9%

Total equity$552.2M+39.0%

Total assets$4.3B+3.7%

Cash flow

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Operating cash flow$12.2M+237%

CapEx$161.0K+30.9%

Free cash flow$3.5M+449%

Valuation

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Market cap$580.06M+71.0%

P/E11.4×+1.8×

P/S3.2×+1.1×

Profitability

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Net margin28.5%+6.1pp

FCF margin29.6%+3.0pp

Returns & leverage

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Return on equity10.7%+1.5pp

Debt / equity0×0.0×

Where this comes from

Calculated from Civista Bancshares’s reported figures.

total debt/total assets=0×

Based on the most recent quarter.

The official record: Civista Bancshares’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Civista Bancshares's debt-to-assets?: Civista Bancshares (CIVB) reported debt-to-assets of 0× in Q1 2026.
How has Civista Bancshares's debt-to-assets changed year-over-year?: Civista Bancshares's debt-to-assets decreased by 16.7% year-over-year, from 0× to 0×.
What is the long-term trend for Civista Bancshares's debt-to-assets?: Over 5 years (2020 to 2025), Civista Bancshares's debt-to-assets has grown at a -58.0% compound annual growth rate (CAGR), from 0× to 0×.
What does debt-to-assets mean?: Total debt divided by total assets at the quarter end. Measures the share of the asset base financed by debt.