Civista Historical Income Statement

CIVB Stock

USD 22.54 0.18 0.81%

Historical analysis of Civista Bancshares income statement accounts such as Interest Expense of 60.1 M, Selling General Administrative of 62.9 M or Total Revenue of 168.3 M can show how well Civista Bancshares performed in making a profits. Evaluating Civista Bancshares income statement over time to spot trends is a great complementary tool to traditional technical analysis and can indicate the direction of Civista Bancshares's future profits or losses.

Cash Flow Balance Sheet Income Statement

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Financial Statement Analysis is much more than just reviewing and examining Civista Bancshares latest accounting reports to predict its past. Macroaxis encourages investors to analyze financial statements over time for various trends across multiple indicators and accounts to determine whether Civista Bancshares is a good buy for the upcoming year.

Net Income Gross Profit

Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Civista Bancshares. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in real.

For information on how to trade Civista Stock refer to our How to Trade Civista Stock guide.

About Civista Income Statement Analysis

Civista Bancshares Income Statement consists of revenues and expenses along with the resulting net income or loss. It represents the profit for the accounting period attributable to Civista Bancshares shareholders. The income statement also shows Civista investors and management if the firm made money during the period reported. The result of an income statement is the net income that is calculated after subtracting the expenses from revenue. It is essential to investors both as an absolute measure as well as earnings per share (i.e., EPS).

Civista Bancshares Income Statement Chart

At present, Civista Bancshares' Depreciation And Amortization is projected to increase significantly based on the last few years of reporting. The current year's Interest Expense is expected to grow to about 60.1 M, whereas Operating Income is projected to grow to (1.5 M).

Interest Expense Selling General Administrative Total Revenue Gross Profit Other Operating Expenses Income Tax Expense

Interest Expense

The cost incurred by an entity for borrowed funds, including loans, bonds, or lines of credit.

Total Revenue

Total revenue comprises all receipts Civista Bancshares generated from the sale of its products or services. The total amount of income generated by the sale of goods or services related to the company's primary operations.

Gross Profit

Gross profit is a required income statement account that reflects total revenue of Civista Bancshares minus its cost of goods sold. It is profit before Civista Bancshares operating expenses, interest payments and taxes. Gross profit is also known as gross margin. The profit a company makes after deducting the costs associated with making and selling its products, or the costs associated with providing its services.

Other Operating Expenses

Other Operating Expenses is the expense which generally does not depend on sales or production quantities of Civista Bancshares. It is also known as Civista Bancshares overhead expenses. Typically these expenses include marketing, rent and utilities, office, leases, and other overhead cost. Expenses incurred from non-core business activities, including administrative and general expenses, but excluding costs directly related to production.

Most accounts from Civista Bancshares' income statement are interrelated and interconnected. However, analyzing income statement accounts one by one will only give a small insight into Civista Bancshares current financial condition. On the other hand, looking into the entire matrix of income statement accounts, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Civista Bancshares. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in real.

For information on how to trade Civista Stock refer to our How to Trade Civista Stock guide.At present, Civista Bancshares' Depreciation And Amortization is projected to increase significantly based on the last few years of reporting. The current year's Interest Expense is expected to grow to about 60.1 M, whereas Operating Income is projected to grow to (1.5 M).

	2021	2022	2023	2024 (projected)
Interest Expense	6.3M	11.0M	57.2M	60.1M
Depreciation And Amortization	2.9M	5.8M	12.3M	13.0M

Interest Expense Depreciation And Amortization

Civista Bancshares income statement Correlations

	Depreciation And Amortization	Interest Expense	Selling General Administrative	Total Revenue	Gross Profit	Other Operating Expenses	Operating Income	Ebit	Ebitda	Total Operating Expenses	Income Before Tax	Total Other Income Expense Net	Net Income	Income Tax Expense	Cost Of Revenue	Selling And Marketing Expenses	Net Income From Continuing Ops	Tax Provision	Net Interest Income	Interest Income	Reconciled Depreciation	Extraordinary Items
Depreciation And Amortization		0.97	0.77	0.81	0.81	0.95	-0.37	-0.58	-0.43	0.85	0.72	0.69	0.73	0.59	-0.38	0.38	0.59	0.63	0.72	0.77	-0.2	0.9
Interest Expense	0.97		0.68	0.71	0.71	0.93	-0.51	-0.69	-0.56	0.93	0.63	0.69	0.64	0.51	-0.3	0.28	0.5	0.52	0.64	0.7	-0.13	0.93
Selling General Administrative	0.77	0.68		0.98	0.98	0.9	0.14	-0.05	0.11	0.4	0.9	0.77	0.91	0.75	-0.78	0.72	0.83	0.52	0.87	0.85	-0.09	0.6
Total Revenue	0.81	0.71	0.98		1.0	0.91	0.15	-0.06	0.12	0.44	0.95	0.81	0.95	0.81	-0.75	0.73	0.88	0.64	0.9	0.88	-0.09	0.63
Gross Profit	0.81	0.71	0.98	1.0		0.91	0.15	-0.06	0.11	0.44	0.95	0.81	0.95	0.81	-0.74	0.73	0.88	0.64	0.9	0.88	-0.09	0.63
Other Operating Expenses	0.95	0.93	0.9	0.91	0.91		-0.25	-0.44	-0.28	0.75	0.83	0.82	0.84	0.68	-0.56	0.51	0.71	0.58	0.8	0.83	-0.12	0.86
Operating Income	-0.37	-0.51	0.14	0.15	0.15	-0.25		0.96	0.99	-0.73	0.29	-0.04	0.29	0.31	-0.36	0.47	0.41	0.15	0.26	0.13	0.06	-0.56
Ebit	-0.58	-0.69	-0.05	-0.06	-0.06	-0.44	0.96		0.98	-0.87	0.09	-0.13	0.09	0.12	-0.25	0.3	0.23	-0.05	0.05	-0.07	0.13	-0.72
Ebitda	-0.43	-0.56	0.11	0.12	0.11	-0.28	0.99	0.98		-0.78	0.27	0.01	0.26	0.26	-0.36	0.42	0.4	0.08	0.22	0.09	0.1	-0.6
Total Operating Expenses	0.85	0.93	0.4	0.44	0.44	0.75	-0.73	-0.87	-0.78		0.37	0.47	0.37	0.33	-0.07	0.01	0.21	0.43	0.36	0.45	-0.24	0.91
Income Before Tax	0.72	0.63	0.9	0.95	0.95	0.83	0.29	0.09	0.27	0.37		0.83	1.0	0.91	-0.76	0.73	0.94	0.73	0.91	0.87	-0.08	0.55
Total Other Income Expense Net	0.69	0.69	0.77	0.81	0.81	0.82	-0.04	-0.13	0.01	0.47	0.83		0.85	0.63	-0.54	0.46	0.78	0.53	0.76	0.75	0.12	0.61
Net Income	0.73	0.64	0.91	0.95	0.95	0.84	0.29	0.09	0.26	0.37	1.0	0.85		0.87	-0.74	0.73	0.95	0.71	0.92	0.88	-0.06	0.55
Income Tax Expense	0.59	0.51	0.75	0.81	0.81	0.68	0.31	0.12	0.26	0.33	0.91	0.63	0.87		-0.78	0.67	0.82	0.8	0.72	0.69	-0.17	0.47
Cost Of Revenue	-0.38	-0.3	-0.78	-0.75	-0.74	-0.56	-0.36	-0.25	-0.36	-0.07	-0.76	-0.54	-0.74	-0.78		-0.79	-0.71	-0.39	-0.62	-0.59	-0.06	-0.28
Selling And Marketing Expenses	0.38	0.28	0.72	0.73	0.73	0.51	0.47	0.3	0.42	0.01	0.73	0.46	0.73	0.67	-0.79		0.78	0.41	0.74	0.71	0.08	0.29
Net Income From Continuing Ops	0.59	0.5	0.83	0.88	0.88	0.71	0.41	0.23	0.4	0.21	0.94	0.78	0.95	0.82	-0.71	0.78		0.73	0.96	0.93	-0.03	0.49
Tax Provision	0.63	0.52	0.52	0.64	0.64	0.58	0.15	-0.05	0.08	0.43	0.73	0.53	0.71	0.8	-0.39	0.41	0.73		0.69	0.69	-0.35	0.58
Net Interest Income	0.72	0.64	0.87	0.9	0.9	0.8	0.26	0.05	0.22	0.36	0.91	0.76	0.92	0.72	-0.62	0.74	0.96	0.69		0.99	-0.08	0.63
Interest Income	0.77	0.7	0.85	0.88	0.88	0.83	0.13	-0.07	0.09	0.45	0.87	0.75	0.88	0.69	-0.59	0.71	0.93	0.69	0.99		-0.06	0.72
Reconciled Depreciation	-0.2	-0.13	-0.09	-0.09	-0.09	-0.12	0.06	0.13	0.1	-0.24	-0.08	0.12	-0.06	-0.17	-0.06	0.08	-0.03	-0.35	-0.08	-0.06		-0.19
Extraordinary Items	0.9	0.93	0.6	0.63	0.63	0.86	-0.56	-0.72	-0.6	0.91	0.55	0.61	0.55	0.47	-0.28	0.29	0.49	0.58	0.63	0.72	-0.19

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Civista Bancshares Account Relationship Matchups

Civista Bancshares income statement Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Depreciation And Amortization	3.2M	3.2M	2.9M	5.8M	12.3M	13.0M
Interest Expense	13.0M	10.1M	6.3M	11.0M	57.2M	60.1M
Selling General Administrative	41.0M	46.2M	49.2M	51.1M	59.9M	62.9M
Total Revenue	107.5M	116.0M	124.6M	137.0M	160.2M	168.3M
Gross Profit	107.5M	116.0M	124.6M	137.0M	160.2M	168.3M
Other Operating Expenses	68.0M	78.9M	77M	74.5M	160.2M	168.3M
Operating Income	39.6M	37.1M	47.6M	62.5M	(1.6M)	(1.5M)
Ebit	37.3M	37.1M	48.4M	47.0M	(12.3M)	(11.7M)
Ebitda	40.5M	40.3M	51.2M	52.8M	(6K)	(5.7K)
Total Operating Expenses	(68.0M)	(78.9M)	(77M)	(74.5M)	160.2M	168.3M
Income Before Tax	39.6M	37.1M	47.6M	47.0M	50.6M	53.1M
Total Other Income Expense Net	39.6M	37.1M	48.4M	(4.0M)	50.6M	53.1M
Net Income	33.9M	32.2M	40.5M	39.4M	43.0M	45.1M
Income Tax Expense	5.7M	4.9M	7.0M	7.6M	7.6M	8.0M
Net Income Applicable To Common Shares	33.2M	32.2M	40.5M	39.4M	45.3M	47.6M
Selling And Marketing Expenses	1.4M	1.1M	1.1M	1.5M	1.4M	997.3K
Net Income From Continuing Ops	33.9M	32.2M	40.5M	39.4M	45.5M	26.7M
Tax Provision	5.7M	4.9M	7.0M	7.6M	8.5M	6.6M
Net Interest Income	85.1M	89.7M	95.4M	110.2M	128.0M	88.8M
Interest Income	98.1M	99.9M	101.7M	121.3M	168.7M	101.0M
Reconciled Depreciation	3.2M	3.2M	890K	1.3M	1.6M	1.6M

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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:

How To Invest In Civista

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Is Civista Stock a good investment?

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What is Civista Bancshares' Net Worth?

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Largest Banks - Regional Companies

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Largest Financial Services Companies

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For information on how to trade Civista Stock refer to our How to Trade Civista Stock guide.

You can also try the Watchlist Optimization module to optimize watchlists to build efficient portfolios or rebalance existing positions based on the mean-variance optimization algorithm.

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. If investors know Civista will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Civista Bancshares listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

(0.20)

Dividend Share

0.64

Earnings Share

Revenue Per Share

9.566

Quarterly Revenue Growth

(0.03)

The market value of Civista Bancshares is measured differently than its book value, which is the value of Civista that is recorded on the company's balance sheet. Investors also form their own opinion of Civista Bancshares' value that differs from its market value or its book value, called intrinsic value, which is Civista Bancshares' true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Civista Bancshares' market value can be influenced by many factors that don't directly affect Civista Bancshares' underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between Civista Bancshares' value and its price as these two are different measures arrived at by different means. Investors typically determine if Civista Bancshares is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Civista Bancshares' price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

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Civista Historical Income Statement

About Civista Income Statement Analysis

Civista Bancshares Income Statement Chart

Interest Expense

Total Revenue

Gross Profit

Other Operating Expenses

Civista Bancshares income statement Correlations

Civista Bancshares Account Relationship Matchups

High Positive Relationship

High Negative Relationship

Civista Bancshares income statement Accounts

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COMMON DESTINATIONS

MAIN CATEGORIES

COMPANY

Gross Profit	+ 1.0	Total Revenue
Net Income	+ 1.0	Income Before Tax
Ebitda	+ 0.99	Operating Income
Interest Income	+ 0.99	Net Interest Income
Total Revenue	+ 0.98	Selling General Administrative
Gross Profit	+ 0.98	Selling General Administrative

Total Operating Expenses	- 0.87	Ebit
Selling And Marketing Expenses	- 0.79	Cost Of Revenue
Cost Of Revenue	- 0.78	Income Tax Expense
Total Operating Expenses	- 0.78	Ebitda
Cost Of Revenue	- 0.78	Selling General Administrative
Cost Of Revenue	- 0.76	Income Before Tax