# Civista Bancshares, Inc. (CIVB) · Edgar & Edgarette company card

> Civista Bancshares (CIVB) saw revenue fall 0.5% in FY2025 to $19 million, equity 12.5% of assets, and dividend per share up 5 years running. Every figure is from the company’s own annual report filed with the SEC.

SEC CIK 944745 · fiscal year ended 2025-12-31 · 5 audited years read · [page](https://www.pops4.com/boards/company/CIVB) · [JSON](https://www.pops4.com/boards/company/CIVB.json)

## Figures, as filed in the 10-K

| Measure | Value |
|---|---|
| Revenue | $19M |
| Revenue growth, 1 year | -0.5% |
| Revenue growth per year | -0.8% |
| Operating margin | — |
| Net margin | 242.9% |
| Operating cash flow | $43M |
| Capital spending | $1M |
| Free cash flow | $42M |
| Cash | $77M |
| Long-term debt | — |
| Total assets | $4.3B |
| Total equity | $543M |
| Equity ÷ assets | 12.5% |
| Return on equity | 8.5% |
| Dividend per share | $0.22 |
| Dividend years rising | 5 |

## Readings, computed from those figures

- Piotroski F: 4 of 9 (middling)
- Health Harbor boat: Sound ship · one warning sign · revenue is hard to predict: its 80% range is ±49%
- Cash Compass: Cash cow now · steady, with strong cash arriving today

## Edgarette's reading

Exposure: revenue $19.0M (FY2025). Experience: revenue down 0.5% on the year, down 0.8% a year over 4 years. Soundness: equity 12.5% of assets, return on equity 8.5%, payout 25.6% of profit, dividend per share up 5 years running. Credibility: four or more audited years, reasonable weight. Range: 80% of past cases like this landed between $10.4M and $30.5M next year (method v4.1: its own 6-year record of growth weighed at 63% against under $50M filers; across 2019–2025, 69.0% landed inside, 83.4% on the one year the method never saw). In a shock year the stress range is $9.7M to $33.0M. A statistical range, not company guidance. Against peers (31 filers, $50M+ revenue, state commercial banks): growth -0.5% against 7.5%.

Range logged 2026-09-29, receipt 9f1d9c4f9ca0cf03, status open. A statistical range, not company guidance.

## Health Watch, last 12 months

- Item 5.02 Director or officer change: 5, latest 2026-10-23 ([filing](https://www.sec.gov/Archives/edgar/data/944745/000119312526430445/0001193125-26-430445-index.htm))

## Recent filings

- 8-K · filed 2026-10-30 · 7.01 Regulation FD Disclosure; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/944745/000119312526441630/0001193125-26-441630-index.htm)
- 8-K · filed 2026-10-23 · 5.02 Departure or Election of Directors; Appointment of Officers; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/944745/000119312526430445/0001193125-26-430445-index.htm)
- 8-K · filed 2026-10-22 · 2.02 Results of Operations and Financial Condition; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/944745/000119312526428313/0001193125-26-428313-index.htm)
- 8-K · filed 2026-10-21 · 8.01 Other Events; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/944745/000119312526427956/0001193125-26-427956-index.htm)
- 8-K · filed 2026-10-01 · 8.01 Other Events; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/944745/000119312526409817/0001193125-26-409817-index.htm)
- 8-K · filed 2026-09-18 · 7.01 Regulation FD Disclosure; 9.01 Financial Statements and Exhibits · [filing](https://www.sec.gov/Archives/edgar/data/944745/000119312526395696/0001193125-26-395696-index.htm)

## Sources

- facts: https://data.sec.gov/api/xbrl/companyfacts/CIK0000944745.json
- filings: https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=944745

## Cite

POPS4, Edgar & Edgarette: Civista Bancshares, Inc. (CIVB) company card, from the company's own SEC filings, accessed 2026-11-05, https://www.pops4.com/boards/company/CIVB. CC BY 4.0. For a figure, add the filing URL under filings or sources.

DOI https://doi.org/10.5281/zenodo.23672509 · catalog https://www.pops4.com/boards/catalog.json · Figures as filed with the SEC. Card text CC BY 4.0, POPS4.

Reporting, not investment advice. No price targets and no trading recommendations.

Figures are as filed in audited 10-K reports and can move with restatements, acquisitions, disposals or a change in fiscal year. A range set from how past company-years turned out is not a promise about the next one, and says nothing about the share price.