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Civista Bancshares CIVB Accretion (Amortization) of Discounts and Premiums, Investments

Accretion (Amortization) of Discounts and Premiums, Investments at other companies

Equity Bancshares logo
Equity BancsharesEQBK
$3.35M+481%
Capital Bancorp logo
Capital BancorpCBNK
$92K+363%
Southern First Bancshares logo
Southern First BancsharesSFST
$104K+203%
CTB
Community Trust BancorpCTBI
-$539K+7.7%
Home Bancorp logo
Home BancorpHBCP
$58K+207%
Greene County Bancorp logo
Greene County BancorpGCBC
$660K

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×

Where this comes from

Reported directly by Civista Bancshares in its filing.

Tagged under the XBRL concept us-gaap:AccretionAmortizationOfDiscountsAndPremiumsInvestments.

The official record: Civista Bancshares’s 10-K, filed March 6, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Civista Bancshares's accretion (amortization) of discounts and premiums, investments?
Civista Bancshares (CIVB) reported accretion (amortization) of discounts and premiums, investments of -$138.5K in Q4 2025.
How has Civista Bancshares's accretion (amortization) of discounts and premiums, investments changed year-over-year?
Civista Bancshares's accretion (amortization) of discounts and premiums, investments increased by 42.4% year-over-year, from -$240.5K to -$138.5K.
What is the long-term trend for Civista Bancshares's accretion (amortization) of discounts and premiums, investments?
Over 4 years (2021 to 2025), Civista Bancshares's accretion (amortization) of discounts and premiums, investments has grown at a -20.3% compound annual growth rate (CAGR), from -$1.38M to -$554K.
What does accretion (amortization) of discounts and premiums, investments mean?
This represents the non-cash adjustment to interest income resulting from the amortization of premiums or accretion of discounts on investment securities. It adjusts net income to reflect the effective yield of the investment portfolio over time. This is critical for assessing the true economic yield of the bank's securities portfolio.