Civista Bancshares Net Income
| CIVB Stock | USD 23.83 0.02 0.08% |
As of the 16th of February 2026, Civista Bancshares shows the Mean Deviation of 1.19, downside deviation of 1.39, and Risk Adjusted Performance of 0.0774. Civista Bancshares technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices.
Civista Bancshares Total Revenue |
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Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 4.5859 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 46.2 M | 48.5 M | |
| Net Income Applicable To Common Shares | 45.3 M | 47.6 M | |
| Net Income From Continuing Ops | 36.4 M | 27.4 M | |
| Net Income Per Share | 2.64 | 2.77 | |
| Net Income Per E B T | 0.84 | 0.62 |
Civista | Net Income | Build AI portfolio with Civista Stock |
Analyzing Civista Bancshares's Net Income over time reveals critical patterns in financial health and operational efficiency. This metric helps investors evaluate trends, identify inflection points, and make informed decisions based on historical performance. Understanding how Net Income has evolved provides context for assessing Civista Bancshares's current valuation and future prospects.
Latest Civista Bancshares' Net Income Growth Pattern
Below is the plot of the Net Income of Civista Bancshares over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Civista Bancshares financial statement analysis. It represents the amount of money remaining after all of Civista Bancshares operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Civista Bancshares' Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Civista Bancshares' overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 46.21 M | 10 Years Trend |
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Net Income |
| Timeline |
Civista Net Income Regression Statistics
| Arithmetic Mean | 23,800,382 | |
| Geometric Mean | 17,497,442 | |
| Coefficient Of Variation | 68.03 | |
| Mean Deviation | 14,708,417 | |
| Median | 17,217,000 | |
| Standard Deviation | 16,191,427 | |
| Sample Variance | 262.2T | |
| Range | 44.6M | |
| R-Value | 0.95 | |
| Mean Square Error | 26.9T | |
| R-Squared | 0.90 | |
| Slope | 3,048,391 | |
| Total Sum of Squares | 4194.6T |
Civista Net Income History
Other Fundumenentals of Civista Bancshares
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Civista Bancshares Net Income component correlations
Civista Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Civista Bancshares is extremely important. It helps to project a fair market value of Civista Stock properly, considering its historical fundamentals such as Net Income. Since Civista Bancshares' main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Civista Bancshares' historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Civista Bancshares' interrelated accounts and indicators.
Click cells to compare fundamentals
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Civista Bancshares. Projected growth potential of Civista fundamentally drives upward valuation adjustments. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive Civista Bancshares assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Quarterly Earnings Growth (0.02) | Dividend Share 0.68 | Earnings Share 2.64 | Revenue Per Share | Quarterly Revenue Growth 0.153 |
Understanding Civista Bancshares requires distinguishing between market price and book value, where the latter reflects Civista's accounting equity. The concept of intrinsic value - what Civista Bancshares' is actually worth based on fundamentals - guides informed investors toward better entry and exit points. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Market sentiment, economic cycles, and investor behavior can push Civista Bancshares' price substantially above or below its fundamental value.
It's important to distinguish between Civista Bancshares' intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Civista Bancshares should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. In contrast, Civista Bancshares' trading price reflects the actual exchange value where willing buyers and sellers reach mutual agreement.
Civista Bancshares 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Civista Bancshares' stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Civista Bancshares.
| 11/18/2025 |
| 02/16/2026 |
If you would invest 0.00 in Civista Bancshares on November 18, 2025 and sell it all today you would earn a total of 0.00 from holding Civista Bancshares or generate 0.0% return on investment in Civista Bancshares over 90 days. Civista Bancshares is related to or competes with First Business, Home Bancorp, Northfield Bancorp, Community West, Red River, Bank7 Corp, and Kearny Financial. Civista Bancshares, Inc. operates as the financial holding company for Civista Bank that provides community banking serv... More
Civista Bancshares Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Civista Bancshares' stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Civista Bancshares upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.39 | |||
| Information Ratio | 0.0473 | |||
| Maximum Drawdown | 8.06 | |||
| Value At Risk | (2.30) | |||
| Potential Upside | 2.8 |
Civista Bancshares Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Civista Bancshares' investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Civista Bancshares' standard deviation. In reality, there are many statistical measures that can use Civista Bancshares historical prices to predict the future Civista Bancshares' volatility.| Risk Adjusted Performance | 0.0774 | |||
| Jensen Alpha | 0.0947 | |||
| Total Risk Alpha | 0.0152 | |||
| Sortino Ratio | 0.0565 | |||
| Treynor Ratio | 0.1902 |
Sophisticated investors, who have witnessed many market ups and downs, anticipate that the market will even out over time. This tendency of Civista Bancshares' price to converge to an average value over time is called mean reversion. However, historically, high market prices usually discourage investors that believe in mean reversion to invest, while low prices are viewed as an opportunity to buy.
Civista Bancshares February 16, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.0774 | |||
| Market Risk Adjusted Performance | 0.2002 | |||
| Mean Deviation | 1.19 | |||
| Semi Deviation | 1.22 | |||
| Downside Deviation | 1.39 | |||
| Coefficient Of Variation | 1116.99 | |||
| Standard Deviation | 1.66 | |||
| Variance | 2.74 | |||
| Information Ratio | 0.0473 | |||
| Jensen Alpha | 0.0947 | |||
| Total Risk Alpha | 0.0152 | |||
| Sortino Ratio | 0.0565 | |||
| Treynor Ratio | 0.1902 | |||
| Maximum Drawdown | 8.06 | |||
| Value At Risk | (2.30) | |||
| Potential Upside | 2.8 | |||
| Downside Variance | 1.92 | |||
| Semi Variance | 1.49 | |||
| Expected Short fall | (1.36) | |||
| Skewness | 0.9855 | |||
| Kurtosis | 1.9 |
Civista Bancshares Backtested Returns
Civista Bancshares appears to be very steady, given 3 months investment horizon. Civista Bancshares secures Sharpe Ratio (or Efficiency) of 0.13, which signifies that the company had a 0.13 % return per unit of risk over the last 3 months. We have found twenty-nine technical indicators for Civista Bancshares, which you can use to evaluate the volatility of the firm. Please makes use of Civista Bancshares' Mean Deviation of 1.19, downside deviation of 1.39, and Risk Adjusted Performance of 0.0774 to double-check if our risk estimates are consistent with your expectations. On a scale of 0 to 100, Civista Bancshares holds a performance score of 10. The firm shows a Beta (market volatility) of 0.73, which signifies possible diversification benefits within a given portfolio. As returns on the market increase, Civista Bancshares' returns are expected to increase less than the market. However, during the bear market, the loss of holding Civista Bancshares is expected to be smaller as well. Please check Civista Bancshares' expected short fall, and the relationship between the value at risk and daily balance of power , to make a quick decision on whether Civista Bancshares' price patterns will revert.
Auto-correlation | 0.49 |
Average predictability
Civista Bancshares has average predictability. Overlapping area represents the amount of predictability between Civista Bancshares time series from 18th of November 2025 to 2nd of January 2026 and 2nd of January 2026 to 16th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Civista Bancshares price movement. The serial correlation of 0.49 indicates that about 49.0% of current Civista Bancshares price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.49 | |
| Spearman Rank Test | 0.31 | |
| Residual Average | 0.0 | |
| Price Variance | 0.95 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Civista Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, Civista Bancshares reported net income of 46.21 M. This is 96.38% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 91.91% higher than that of the company.
Civista Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Civista Bancshares' direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Civista Bancshares could also be used in its relative valuation, which is a method of valuing Civista Bancshares by comparing valuation metrics of similar companies.Civista Bancshares is currently under evaluation in net income category among its peers.
Civista Bancshares ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Civista Bancshares' sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Civista Bancshares' managers, analysts, and investors.Environmental | Governance | Social |
Civista Bancshares Institutional Holders
Institutional Holdings refers to the ownership stake in Civista Bancshares that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of Civista Bancshares' outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Civista Bancshares' value.| Shares | Hotchkis & Wiley Capital Management Llc | 2025-06-30 | 169.2 K | Northern Trust Corp | 2025-06-30 | 167.7 K | Beese Fulmer Investment Management Inc | 2025-06-30 | 166.1 K | Maltese Capital Management Llc | 2025-06-30 | 147 K | Summit Financial Strategies, Inc | 2025-06-30 | 143 K | Arrowstreet Capital Limited Partnership | 2025-06-30 | 139.6 K | Morgan Stanley - Brokerage Accounts | 2025-06-30 | 134.5 K | Wellington Management Company Llp | 2025-06-30 | 123.7 K | Fort Washington Investment Advisors Inc | 2025-06-30 | 114.8 K | Blackrock Inc | 2025-06-30 | 1.4 M | Vanguard Group Inc | 2025-06-30 | 855.7 K |
Civista Fundamentals
| Return On Equity | 0.0992 | ||||
| Return On Asset | 0.011 | ||||
| Profit Margin | 0.27 % | ||||
| Operating Margin | 0.42 % | ||||
| Current Valuation | 700.5 M | ||||
| Shares Outstanding | 20.75 M | ||||
| Shares Owned By Insiders | 2.04 % | ||||
| Shares Owned By Institutions | 61.14 % | ||||
| Number Of Shares Shorted | 237.65 K | ||||
| Price To Earning | 10.64 X | ||||
| Price To Book | 0.91 X | ||||
| Price To Sales | 2.92 X | ||||
| Revenue | 254.95 M | ||||
| Gross Profit | 169.17 M | ||||
| EBITDA | 55.23 M | ||||
| Net Income | 46.21 M | ||||
| Cash And Equivalents | 245.39 M | ||||
| Cash Per Share | 15.91 X | ||||
| Total Debt | 284.18 M | ||||
| Debt To Equity | 9.51 % | ||||
| Book Value Per Share | 26.20 X | ||||
| Cash Flow From Operations | 48.25 M | ||||
| Short Ratio | 2.43 X | ||||
| Earnings Per Share | 2.64 X | ||||
| Price To Earnings To Growth | 1.93 X | ||||
| Target Price | 27.0 | ||||
| Number Of Employees | 535 | ||||
| Beta | 0.67 | ||||
| Market Capitalization | 494.82 M | ||||
| Total Asset | 4.34 B | ||||
| Retained Earnings | 239.78 M | ||||
| Annual Yield | 0.03 % | ||||
| Five Year Return | 2.04 % | ||||
| Net Asset | 4.34 B | ||||
| Last Dividend Paid | 0.68 |
About Civista Bancshares Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Civista Bancshares's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Civista Bancshares using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Civista Bancshares based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
Also Currently Popular
Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.When determining whether Civista Bancshares offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Civista Bancshares' financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Civista Bancshares Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Civista Bancshares Stock:Check out For information on how to trade Civista Stock refer to our How to Trade Civista Stock guide.You can also try the Instant Ratings module to determine any equity ratings based on digital recommendations. Macroaxis instant equity ratings are based on combination of fundamental analysis and risk-adjusted market performance.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Civista Bancshares. Projected growth potential of Civista fundamentally drives upward valuation adjustments. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive Civista Bancshares assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Quarterly Earnings Growth (0.02) | Dividend Share 0.68 | Earnings Share 2.64 | Revenue Per Share | Quarterly Revenue Growth 0.153 |
Understanding Civista Bancshares requires distinguishing between market price and book value, where the latter reflects Civista's accounting equity. The concept of intrinsic value - what Civista Bancshares' is actually worth based on fundamentals - guides informed investors toward better entry and exit points. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Market sentiment, economic cycles, and investor behavior can push Civista Bancshares' price substantially above or below its fundamental value.
It's important to distinguish between Civista Bancshares' intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Civista Bancshares should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. In contrast, Civista Bancshares' trading price reflects the actual exchange value where willing buyers and sellers reach mutual agreement.