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Civista Bancshares CIVB Provision for Credit Losses

Provision for Credit Losses at other companies

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KeyCorpKEY
$106M-10.2%
Southern First Bancshares logo
Southern First BancsharesSFST
$1.3M+73.3%
CTB
Community Trust BancorpCTBI
$2.31M-35.2%
Greene County Bancorp logo
Greene County BancorpGCBC
$451K-58.4%
Independent Bank Corporation logo
Independent Bank CorporationIBCP
$362K-49.8%
First Community Bankshares logo
First Community BanksharesFCBC
$378K+17.8%

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:ProvisionForLoanLossesExpensed.

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 provision for credit losses?
Civista Bancshares (CIVB) reported provision for credit losses of $844.25K in Q4 2025.
How has Civista Bancshares's provision for credit losses changed year-over-year?
Civista Bancshares's provision for credit losses decreased by 37.0% year-over-year, from $1.34M to $844.25K.
What is the long-term trend for Civista Bancshares's provision for credit losses?
Over 4 years (2021 to 2025), Civista Bancshares's provision for credit losses has grown at a 42.0% compound annual growth rate (CAGR), from $830K to $3.38M.
What does provision for credit losses mean?
Non-cash provision for expected loan losses, added back in operating cash flow since it's a reserve build, not a cash payment.