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Civista Bancshares CIVB Net margin

Net margin at other companies

Fifth Third BankFITB

22.4%-4.7pp

Huntington BancsharesHBAN

25%-2.1pp

KeyCorpKEY

25.4%+24.9pp

Equity BancsharesEQBK

10.6%-17.1pp

SMB

SmartFinancialSMBK

25.4%+4.1pp

Capital BancorpCBNK

22.2%+3.3pp

Other financials

Income statement

Revenue$47.3M+16.3%

Net income$15.0M+47.4%

EPS (diluted)$0.72+9.1%

Balance sheet

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

Operating cash flow$12.2M+237%

CapEx$161.0K+30.9%

Free cash flow$3.5M+449%

Valuation

Market cap$580.06M+71.0%

P/E11.4×+1.8×

P/S3.2×+1.1×

Profitability

FCF margin29.6%+3.0pp

Returns & leverage

Return on equity10.7%+1.5pp

Debt / equity0×0.0×

Where this comes from

Calculated from Civista Bancshares’s reported figures.

net income/total revenue=28.5%

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 net margin?: Civista Bancshares (CIVB) reported net margin of 28.5% in Q1 2026.
How has Civista Bancshares's net margin changed year-over-year?: Civista Bancshares's net margin increased by 27.2% year-over-year, from 22.4% to 28.5%.
What is the long-term trend for Civista Bancshares's net margin?: Over 5 years (2020 to 2025), Civista Bancshares's net margin has grown at a -0.4% compound annual growth rate (CAGR), from 27.3% to 26.8%.
What does net margin mean?: Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.