Skip to content

Civista Bancshares CIVB Accretion Of Net Deferred Loan Fees And Purchase Discounts

Accretion Of Net Deferred Loan Fees And Purchase Discounts at other companies

HBT
HBT Financial, Inc.HBT
$1.99M+5.4%
Starwood Property Trust logo
Starwood Property TrustSTWD
$15.74M+12.7%
Nelnet logo
NelnetNNI
-$44.13M-127%
KKR Real Estate Finance Trust logo
KKR Real Estate Finance TrustKREF
$4.14M+23.4%
Eastern Bankshares, Inc. logo
Eastern Bankshares, Inc.EBC
-$14.87M-55.6%
California BanCorp logo
California BanCorpBCAL
$3.93M-35.7%

Other financials

Income statement

See full
Revenue$47.3M+16.3%
Net income$15.0M+47.4%
EPS (diluted)$0.72+9.1%

Balance sheet

See full
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

See full
Operating cash flow$12.2M+237%
CapEx$161.0K+30.9%
Free cash flow$3.5M+449%

Valuation

See full
Market cap$580.06M+71.0%
P/E11.4×+1.8×
P/S3.2×+1.1×

Profitability

See full
Net margin28.5%+6.1pp
FCF margin29.6%+3.0pp

Returns & leverage

See full
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 civb:AccretionOfNetDeferredLoanFeesAndPurchaseDiscounts.

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

Ask your AI about Civista Bancshares's accretion of net deferred loan fees and purchase discounts.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI
Harbor at dusk
Claude

Questions, answered.

What is Civista Bancshares's accretion of net deferred loan fees and purchase discounts?
Civista Bancshares (CIVB) reported accretion of net deferred loan fees and purchase discounts of $672K in Q4 2025.
How has Civista Bancshares's accretion of net deferred loan fees and purchase discounts changed year-over-year?
Civista Bancshares's accretion of net deferred loan fees and purchase discounts increased by 130.5% year-over-year, from $291.5K to $672K.
What is the long-term trend for Civista Bancshares's accretion of net deferred loan fees and purchase discounts?
Over 3 years (2022 to 2025), Civista Bancshares's accretion of net deferred loan fees and purchase discounts has grown at a -2.0% compound annual growth rate (CAGR), from $2.86M to $2.69M.
What does accretion of net deferred loan fees and purchase discounts mean?
This reflects the non-cash recognition of deferred loan origination fees and purchase discounts associated with the loan portfolio. It adjusts net income to account for the timing differences between cash receipt and revenue recognition under accounting standards. Monitoring this helps evaluate the underlying profitability of lending activities.