Civista Bancshares
Runs community banking across Ohio, Indiana and Kentucky, plus nationwide equipment leasing.
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Profile
Provides community banking through deposits, loans, trust services and securities investing, anchored in Ohio with branches or offices extending into Indiana and Kentucky. A Pittsburgh-based leasing division adds nationwide equipment finance, while reporting remains centered on a single banking segment.
Operates a community-bank franchise rooted in an 1884 Sandusky, Ohio bank. Core activities are deposits, residential mortgage, commercial and installment lending, securities investing, and trust services across Ohio, southeastern Indiana and northern Kentucky.
Adds a national equipment leasing and finance line through Civista Leasing & Finance, a Pittsburgh-based platform acquired with Vision Financial Group. Recent bank acquisitions expanded the footprint into Northwest Ohio, Northeast Ohio, Indiana and Kentucky, with Farmers Savings Bank integration completed during the latest opened quarter.
Reports primarily as one banking segment, so product economics are tied to the spread between deposits, loans, securities and fee businesses rather than standalone brand lines. The business depends on local deposit relationships, credit demand and bank regulation across its market communities.
Company facts
Categories
Key statistics
Year to date +25.5% · Average volume (30d) 144.2K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| Jul 27, 2026 | DA Davidson | Reiterate | Buy | $26 | $33 | |
| Jul 27, 2026 | Piper Sandler | Reiterate | Neutral | $30 | $31 | |
| Jun 25, 2026 | Piper Sandler | Reiterate | Neutral | $27 | $30 | |
| Apr 24, 2026 | Piper Sandler | Reiterate | Neutral | $27 | ||
| Oct 30, 2024 | Hovde Group | Upgrade | Market Perform | Outperform |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 23, 2026Q2 FY26 | $0.67 | $0.69 | +3.0% | $48.1M | $47.6M | −1.0% | +1.03% |
| Apr 22, 2026Q1 FY26 | $0.56 | $0.74 | +32.1% | $45.5M | $47.3M | +3.8% | −0.20% |
| Jan 29, 2026Q4 FY25 | $0.61 | $0.75 | +23.0% | $45.3M | $46.3M | +2.2% | −2.03% |
| Oct 23, 2025Q3 FY25 | $0.61 | $0.68 | +11.5% | $45.4M | $43.1M | −5.1% | +4.23% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $61.0M | $62.2M | $63.8M | $65.6M | $55.8M | $39.3M | |
| Gross profit | $38.5M | $39.7M | $42.9M | $45.8M | $37.8M | $21.3M | |
| Operating income | $11.9M | $12.9M | $15.7M | $14.7M | $8.6M | −$8.6M | |
| Net income | $10.2M | $11.0M | $12.8M | $12.3M | $15.0M | $14.3M | |
| Diluted EPS | $0.66 | $0.71 | $0.68 | $0.61 | $0.72 | $0.69 | |
| Gross margin | 63.1% | 63.8% | 67.2% | 69.7% | 67.8% | 54.2% | |
| Operating margin | 19.6% | 20.7% | 24.5% | 22.5% | 15.4% | -21.8% |
Fiscal years (4-quarter sums)FY21 $130.9M · FY22 $148.1M · FY23 $221.0M · FY24 $241.7M · FY25 $252.6M
Balance sheet, Jun 30, 2026Cash & short-term investments $765.1M · Total debt $228.4M · Total assets $4.29B · Shareholders' equity $566.8M
Dividends
Raised for 14 straight years — most recently to $0.18 from $0.17 in Feb 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 4, 2026 | Aug 4 | Aug 18 | $0.18 | |
| May 5, 2026 | May 5 | May 19 | $0.18 | |
| Feb 10, 2026 | Feb 10 | Feb 24 | $0.18 | raised from $0.17 |
| Nov 4, 2025 | Nov 4 | Nov 18 | $0.17 | |
| Aug 5, 2025 | Aug 5 | Aug 19 | $0.17 | |
| Apr 29, 2025 | Apr 29 | May 13 | $0.17 | |
| Feb 4, 2025 | Feb 4 | Feb 18 | $0.17 | raised from $0.16 |
| Nov 5, 2024 | Nov 5 | Nov 19 | $0.16 |
Ownership
Shares outstanding 20.78M · Float 20.29M · 97.6% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 1.70M | 8.19% | 13F | Aug 7, 2026 |
| Wellington Management Group LLP | 1.26M | 6.06% | 13F | Aug 14, 2026 |
| Dimensional Fund Advisors LP | 1.03M | 4.93% | 13F | Aug 11, 2026 |
| AllianceBernstein L.P. | 899.1K | 4.33% | 13F | Aug 14, 2026 |
| Vanguard Capital Management LLC | 885.2K | 4.26% | 13F | Aug 13, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Nov 18, 2025 | Nathan E. Weaks | other: Subsidiary Director | +1,000 | $21.49 |
Peers
- First Financial Bancorp
Overlaps across Ohio/Indiana/Kentucky banking and commercial finance
- Huntington Bancshares
Large Ohio regional rival in deposits, lending, payments, and wealth
- Fifth Third
Superregional competitor across Ohio, Kentucky, Indiana, and wealth
- WesBanco
Community-bank overlap after Premier deal expanded Ohio/Indiana/Kentucky
- Peoples Bancorp
Ohio/Kentucky bank peer with nationwide equipment leasing and insurance
- Farmers National Banc
Northeast Ohio community-bank peer with trust and wealth overlap
- Park National
Ohio and northern Kentucky community-bank competitor with trust services
- LCNB
Southwest Ohio and northern Kentucky community-bank competitor
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Civista Bancshares | $27.48 | +0.07% | $571.1M | 10.2 | 9.8 | 2.5 | +15.0% |
| First Financial Bancorp | $32.84 | +0.09% | $3.44B | 11.6 | 10.2 | 2.6 | +16.7% |
| Huntington Bancshares | $16.95 | +0.18% | $34.19B | 12.6 | 9.8 | 2.4 | +47.4% |
| Fifth Third | $54.60 | +0.14% | $49.43B | 18.6 | 11.9 | 3.3 | +45.2% |
| WesBanco | $40.42 | 0.00% | $3.88B | 11.4 | 11.1 | 2.6 | +6.3% |
| Peoples Bancorp | $39.66 | +0.05% | $1.43B | 12.0 | 10.7 | 2.4 | +9.4% |
| Farmers National Banc | $15.68 | −0.10% | $697.3M | 10.9 | 9.3 | 2.4 | +49.8% |
| Park National | $198.12 | +0.11% | $3.59B | 17.7 | 14.9 | 5.9 | +24.7% |
| LCNB | $19.43 | −0.15% | $276.8M | 11.2 | 10.6 | 2.2 | +10.3% |
| Median | 11.8 | 10.6 | 2.5 | +20.7% |