| Annual · values | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | — | — | — | — | — | — | — | — | — | — | — | — |
| Operating Margin | — | — | — | — | — | — | — | — | — | — | — | — |
| EBITDA Margin | — | — | — | — | — | — | — | — | — | — | — | — |
| Net Margin | 242.93% | 165.68% | 141.11% | 160.69% | 206.50% | 189.96% | 190.52% | 92.33% | 116.39% | 129.42% | 25.14% | 20.73% |
| Current Ratio | — | — | — | — | — | — | — | — | — | — | — | — |
| Quick Ratio | — | — | — | — | — | — | — | — | — | — | — | — |
| Debt / Equity | — | — | — | — | — | — | — | — | — | — | — | — |
| ROE | 8.50% | 8.16% | 11.55% | 11.78% | 11.41% | 9.19% | 10.26% | 4.73% | 8.60% | 12.51% | 10.18% | 8.22% |
| ROA | 1.07% | 0.77% | 1.11% | 1.11% | 1.35% | 1.17% | 1.47% | 0.66% | 1.04% | 1.25% | 0.97% | 0.79% |
| Asset Turnover | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.04 | 0.04 |
| Book Value / Share | 31.20 | 25.24 | 24.55 | 22.37 | 23.15 | 21.71 | 19.59 | 21.57 | 14.93 | 12.57 | 11.46 | 10.63 |
Civista Bancshares Inc. operates as a financial holding company that provides a broad range of banking services through its subsidiary, Civista Bank. The primary function of Civista Bancshares is to offer traditional financial services such as lending, savings, and checking accounts, as well as investment advisory services. With a focus on community banking, Civista targets small to mid-sized businesses, agricultural clients, and individual consumers, predominantly across the Midwest United States. Notable features of Civista include a robust portfolio of commercial and residential real estate loans, personal banking services, and a mix of digital banking solutions that cater to modern consumer preferences. In the financial market, Civista Bancshares plays an essential role in supporting regional economic growth by facilitating access to credit and financial planning services. The company’s emphasis on local customer needs and community involvement underscores its significance within the regional banking landscape, making it a vital player in the financial wellbeing of the areas it serves.