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Civista Bancshares CIVB Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

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Other financials

Income statement

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Revenue$47.6M+15.0%
Net income$14.3M+30.0%
EPS (diluted)$0.69-2.8%

Balance sheet

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Cash & equivalents$77.3M+22.4%
Total debt$2.5M+10.7%
Total equity$566.8M+40.2%
Total assets$4.3B+2.6%

Cash flow

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Operating cash flow$17.1M+54.4%
CapEx$161.0K+30.9%
Free cash flow$3.5M+449%

Valuation

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Market cap$589.1M+57.7%
P/E10.8×+1.4×
P/S3.2×+0.9×

Profitability

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Net margin29.3%+4.9pp
FCF margin29.6%+3.0pp

Returns & leverage

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Return on equity11.2%+1.1pp
Debt / equity0.0×

Where this comes from

Reported directly by Civista Bancshares in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss.

The source filing: Civista Bancshares’s 10-Q, filed August 6, 2026.

Filed
Aug 6, 2026, 5:01 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001193125-26-338386
Line itemThree Months Ended / June 30, 2026Three Months Ended / June 30, 2025Six Months Ended / June 30, 2026Six Months Ended / June 30, 2025
Net interest income38,59334,81476,41667,587
Provision for credit losses - loans and leases1,2511,1714832,419
Provision for (recovery of) credit losses - off-balance sheet credit exposures519(146)658173
Net interest income after provision36,82333,78975,27564,995
Noninterest income
Service charges1,8891,5643,6033,088
Net gain (loss) on equity securities140(74)173(103)
Net gain on sale of loans and leases1,5018413,1061,445

ITEM 1. Financial Statements

FAQ

What is Civista Bancshares's net interest income (after provisions)?
Civista Bancshares (CIVB) reported net interest income (after provisions) of $36.82M in Q2 2026.
How has Civista Bancshares's net interest income (after provisions) changed year-over-year?
Civista Bancshares's net interest income (after provisions) increased by 9.0% year-over-year, from $33.79M to $36.82M.
What is the long-term trend for Civista Bancshares's net interest income (after provisions)?
Over 4 years (2021 to 2025), Civista Bancshares's net interest income (after provisions) has grown at a 9.3% compound annual growth rate (CAGR), from $94.6M to $135.21M.
What does net interest income (after provisions) mean?
Represents net interest income adjusted for the provision for credit losses, which accounts for expected future defaults in the loan portfolio. This metric provides a more accurate view of the bank's sustainable earnings power by accounting for the inherent risk of its lending activities. It is a critical indicator of the quality and risk-adjusted return of the loan book.

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