CIVB
Civista Bancshares, Inc.24.10
-0.34-1.39%
Dec 16, 4:00:02 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
465.44MP/E (TTM)
9.06Basic EPS (TTM)
2.66Dividend Yield
0.03%Recent Filings
8-K
Q4 EPS $0.61, FSB acquired
Civista Bancshares reported Q4 2025 net income of $12.3 million ($0.61/share), up 24% from $9.9 million a year ago, despite $3.4 million pre-tax merger costs from closing the Farmers Savings Bank acquisition on November 6, adding $268.1 million assets, $106.2 million loans, $236.1 million deposits. Full-year net income hit $46.2 million ($2.64/share), up 46%; efficiency ratio improved to 57.7%. FSB core conversion set for February 2026.
8-K
Dividend raised to 18¢
Civista Bancshares boosted its quarterly dividend to 18 cents per common share, up 1 cent from last quarter, payable February 24, 2026 to record holders on February 10. The hike signals board confidence in cash flows amid steady operations. Payout totals ~$3.7 million. Yield hits 3.24% annualized at December 31 close.
8-K
Civista completes Farmers merger
Civista Bancshares completed its merger with The Farmers Savings Bank on November 6, 2025, paying $35.5M cash and 1.43M shares. It adds two branches, $236M low-cost deposits, boosting combined assets to $4.4B, net loans to $3.2B, and deposits to $3.5B while expanding into Medina and Lorain Counties. System conversion hits Q1 2026.
10-Q
Q3 FY2025 results
Civista Bancshares posted Q3 net income of $12.8M, up 52% y/y from $8.4M, with diluted EPS steady at $0.68 despite share count jump from capital raise. Net interest income climbed 18% y/y to $34.5M on loan growth and 30bps cheaper FHLB funding after $75.7M equity offering paid down short-term advances to $232M from $339M. Provision dropped 81% y/y to $0.2M as delinquencies eased across CRE and residential. Noninterest income dipped on leasing slowdown during core conversion, yet expenses held flat. Raised $75.7M via 3.8M shares in July for growth and pending Farmers Savings merger (expected Nov 2025, $66.7M cash/stock). Cash sits at $62.8M; FCF not disclosed in the 10-Q. Farmers integration looms large.
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