The Tip Desk

CIVISTA BANCSHARES, INC.

Company Stats

Market Cap
$548.6M
as of Sep 30, 2026
Shares Outstanding
20.8M
Free Float
94.7%

Income Statement

Revenue
$19.0M
Net Income
$46.2M
Revenue Growth, 3Y
-8.1%
FCF Margin, 3Y Avg
215.5%
FCF Margin, Worst Year
194.7%

Cash Flow

Free Cash Flow
$42.1M
FCF Yield
7.7%
Owner FCF Yield
7.5%

Returns & Capital

Dividends Paid
$11.8M
Dividend Yield
2.2%
Dividend Payout, 3Y Avg
26.6%
Share Repurchases
$178,000
Buyback Yield, 3Y Avg
0.1%
SBC, 3Y Avg
$902,333

Cash Flow by Year

YearRevenueFCFMargin
FY2025$19.0M$42.1M221.4%
FY2024$19.1M$44.1M230.4%
FY2023$30.4M$59.3M194.7%
FY2022$24.5M$18.7M76.1%
FY2021$19.6M$38.8M197.8%

Annual filing data through FY ended December 31, 2025; shares and float as of October 26, 2026. Yields and enterprise value use the calculated market cap above, at its as-of date. Ratios are our calculations from reported figures.

Earnings

Other Coverage