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Civista Bancshares CIVB Free cash flow margin

Free cash flow margin at other companies

Fifth Third Bank logo
Fifth Third BankFITB
16.1%
Huntington Bancshares logo
Huntington BancsharesHBAN
24.4%+0.6pp
KeyCorp logo
KeyCorpKEY
28.4%
Equity Bancshares logo
Equity BancsharesEQBK
36.1%+3.1pp
SMB
SmartFinancialSMBK
27.1%-4.1pp
Capital Bancorp logo
Capital BancorpCBNK
28.4%-0.5pp

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

Returns & leverage

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Return on equity10.7%+1.5pp
Debt / equity0.0×

Where this comes from

Calculated from Civista Bancshares’s reported figures.

Based on trailing twelve months.

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 free cash flow margin?
Civista Bancshares (CIVB) reported free cash flow margin of 29.6% in Q1 2025.
How has Civista Bancshares's free cash flow margin changed year-over-year?
Civista Bancshares's free cash flow margin increased by 11.3% year-over-year, from 26.6% to 29.6%.
What is the long-term trend for Civista Bancshares's free cash flow margin?
Over 2 years (2021 to 2024), Civista Bancshares's free cash flow margin has grown at a -3.5% compound annual growth rate (CAGR), from 30.6% to 28.5%.
What does free cash flow margin mean?
Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.