CIVISTA BANCSHARES, INC.
CIVBOther · Accelerated filer · SEC filings ↗ · Compare ⊕
View price & chart on Yahoo Finance ↗Financials
SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | $19.0M | $19.1M | $30.4M | $24.5M | $19.6M | $16.9M |
| Operating income | — | — | — | — | — | — |
| Net income | $46.2M | $31.7M | $43.0M | $39.4M | $40.5M | $7.8M |
| Total assets | $4.34B | $4.10B | $3.86B | $3.64B | $3.01B | $2.76B |
| Total liabilities | $3.79B | $3.71B | $3.49B | $3.30B | $2.66B | $2.41B |
| Equity | $543.5M | $388.5M | $372.0M | $328.8M | $355.2M | $350.1M |
| EPS (diluted) | $2.64 | $2.01 | $2.73 | $2.60 | $2.63 | $0.47 |
| Shares out. | 15.5M | 15.7M | 15.7M | 14.9M | 15.8M | 16.5M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- 242.9%
- Return on equity
- 8.5%
- Return on assets
- 1.1%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 87.5%
- Debt / equity
- 6.98×
- Book value / share
- $35.11
- Revenue growth (YoY)
- −0.5%
- Net income growth (YoY)
- 45.9%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- 0.1%clean
- Piotroski F-Score
- 5/7mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 2 warning● 2 good- Revenue declined year-over-year
- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Wellington Management Group LlpPassive (13G)May 15, 2026
- Vanguard Group IncPassive (13G)Mar 26, 2026
- Blackrock, Inc.Passive (13G)Oct 17, 2025
- Dimensional Fund Advisors LpPassive (13G)Oct 9, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Macioce Mark J.Director | Apr 28, 2026 | D | 250 | $25.23 |
| Singer HarryDirector | Apr 29, 2026 | D | 7,900 | $24.77 |
| Doucette Veronica GOfficer — SVP/Human Resources Officer | Mar 11, 2026 | Grant | 908 | $0.00 |
| Kessler Carl A IiiOfficer — Senior Vice President | Jan 2, 2026 | Tax withholding | 467 | $0.00 |
| Katitus Robert LOfficer — SVP/CLO | Jan 2, 2026 | Tax withholding | 526 | $0.00 |
| Whinnem IanOfficer — SVP/CFO | Mar 11, 2026 | Grant | 2,313 | $0.00 |
| Waltz-Jaskolski Donna M.Officer — Senior Vice President | Jan 2, 2026 | Tax withholding | 355 | $0.00 |
| Shaffer Dennis GOfficer — CEO | Jan 2, 2026 | Tax withholding | 475 | $0.00 |
| Parcher Charles A.Officer — President | Feb 24, 2026 | J | 126.655 | $0.00 |
| Edwards Russell L JrOfficer — Senior Vice President | Jan 2, 2026 | Tax withholding | 337 | $0.00 |
| Curry Robert L JrOfficer — Senior Vice President | Jan 2, 2026 | Tax withholding | 354 | $0.00 |
| Mulford Michael D.Officer — Senior Vice President | Mar 11, 2026 | Grant | 1,361 | $0.00 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 250,668 | 4.5 | -12.4% |
| Apr 30, 2026 | 286,089 | 2.9 | +4.5% |
| Apr 15, 2026 | 273,830 | 3.2 | -10.3% |
| Mar 31, 2026 | 305,285 | 3.1 | +13.4% |
| Mar 13, 2026 | 269,237 | 3.2 | +4.1% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Regulation FD disclosureJun 1, 2026
- Shareholder voteMay 19, 2026
- Regulation FD disclosureMay 19, 2026
- Regulation FD disclosureApr 30, 2026
- Results of operationsApr 22, 2026
- Other material eventApr 21, 2026
- Other material eventMar 20, 2026
- Director / officer changeMar 19, 2026
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (1)
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