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Civista Bancshares (CIVB) earnings and revenue breakdown

Latest: Q3 2026 · 10-Q filed Nov 5, 2026 · Civista Bancshares (CIVB) Q3 2026 earnings results →

Q3 2026 Revenue up 11% year over year to $49.1M · 33¢ of every $1 of revenue kept as net profit · operating margin 40.4%

Civista Bancshares made $49.1M in Q3 2026 (+11% Y/Y): Net interest income $39.4M, Noninterest income $9.7M. Operating margin 40.4%, net earnings $16.0M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 5, 2026.

Revenue$49.1M
Year over year+11%
Operating margin40.4%
Net earnings$16.0M
Operating cash flow$27.6M

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $49.1M in Q3 2026, up 11% year over year and up 3% from the previous quarter. Net interest income was the largest line at 80% of revenue. Net interest income added $4.9M year over year (up 14%), 100% of the total change.

Operating profit was $19.8M, a 40.4% margin (up 4.9 points year over year). Of the extra revenue versus Q3 2025, 85% reached operating profit, above the 35% margin then. Total costs grew 3% against revenue growth of 11%. Net earnings were $16.0M, up 26% year over year. The effective tax rate was 19.1%.

Operating cash flow was $27.6M (up 45% year over year), 172% of net earnings. Working capital and other items added $11.6M.

Quarterly history

Civista Bancshares revenue by quarterCivista Bancshares revenue by quarter$40.6MQ1 2025$41.4MQ2 2025$44.2MQ3 2025$46.3MQ4 2025$47.3MQ1 2026$47.6MQ2 2026$49.1MQ3 2026
Civista Bancshares net earnings by quarterCivista Bancshares net earnings by quarter$10.2MQ1 2025$11.0MQ2 2025$12.8MQ3 2025$12.3MQ4 2025$15.0MQ1 2026$14.3MQ2 2026$16.0MQ3 2026
QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q3 202610-QNov 5, 2026$49.1M+11%40.4%$16.0M$27.6M
Q2 202610-QAug 6, 2026$47.6M+15%36.1%$14.3M$17.1M
Q1 202610-QMay 8, 2026$47.3M+16%38.1%$15.0M$12.2M
Q4 202510-KMar 6, 2026$46.3M+15%31.8%$12.3M$9.6M
Q3 202510-QNov 5, 2025$44.2M+12%35.4%$12.8M$19.0M
Q2 202510-QAug 6, 2025$41.4M+9%31.1%$11.0M$11.1M
Q1 202510-QMay 7, 2025$40.6M+11%29.4%$10.2M$3.6M

Charts

Civista Bancshares: revenue growth, year over year and quarter over quarterCivista Bancshares: revenue growth, year over year and quarter over quarterY/YQ/Q+11%Q1 2025+9%+2%Q2 2025+12%+7%Q3 2025+15%+5%Q4 2025+16%+2%Q1 2026+15%+1%Q2 2026+11%+3%Q3 2026
Latest (Q3 2026): Y/Y +11%, Q/Q +3%.
Civista Bancshares: where the cash came from (+) and went (−), TTM to Q3 2026Civista Bancshares: where the cash came from (+) and went (−), TTM to Q3 2026Other financing−$101MOperating cash flow$66.5MOther investing$56.4MDividends−$14.5MCash drawn (+) / kept (−)−$4.9MBuybacks−$2.5M
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
Civista Bancshares: profit against cash, quarter by quarterCivista Bancshares: profit against cash, quarter by quarterNet incomeOperating cash flow$9.9M$22.4MQ4 2024$10.2M$3.6MQ1 2025$11.0M$11.1MQ2 2025$12.8M$19.0MQ3 2025$12.3M$9.6MQ4 2025$15.0M$12.2MQ1 2026$14.3M$17.1MQ2 2026$16.0M$27.6MQ3 2026
Latest (Q3 2026): Net income $16.0M, Operating cash flow $27.6M.
Civista Bancshares: diluted shares by fiscal yearCivista Bancshares: diluted shares by fiscal year16MFY202015MFY202115MFY202215MFY202315MFY202417MFY2025
+8.3% since FY2020: more shares outstanding (issuance, stock pay).
Civista Bancshares in its industry: growth against margin (133 companies, SIC 6022)Civista Bancshares in its industry: growth against margin (133 companies, SIC 6022)revenue growth, year over year →↑ operating marginmedian +9%median 40%BNYSTTFITBMTBFCNCAALLYCFGNTRSWALBPOPEWBCWTFCCOLBSSBCBSHASBHWCAUBGBCIUBSIABCBHTHHOMBUCBRNSTFBPCATYFIBKCUBIFHBIBOCMBINSBCFBOHCVBFBUSEEFSCOFGLOBFBKFFINSFBSMCHBCCBFBNCGABCBYSYBTPEBOTCBKOBKSTBAFMBHRBCAACNOBAMALMCBQCRHOSBCFMNBBFSTUVSPTMPCCNEMSBIHBTEQBKCTBICPFTHFFMPBSBSIMBWMLKFNIBCPEGBNSPFIWASHCCBGCOFSCWBCHBIAACNBGSBCFSBCTRSTFCBCMCBSFBIZINBKBWBCBANMVBFBSRRCZNCCFFIRBBISTRUNTYBWFGBMRCRRBIPCBFCBMCHMGCZFSNWFLWTBAMYFWAVBHOPBKUSCBFCCOEBMTCOSOFXNCPKBKISBAPEBKBPRNBRBSHNVRMNSBFVCBCCFNSBFGJMSBBOTJNWPPFUSBAUBNJUVFCIVB (+11%, 40%)
State Commercial Banks; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

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💵Where each $1 goesinteractive

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🌏Named in Asian annual reportsinteractive

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🔄Rotation against the market and its industry (RRG)interactive

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🔍Earnings qualityinteractive

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⚖️Fair value by methodinteractive

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🔭Outlook & guidanceinteractive

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📈Investments: gains and what it boughtinteractive

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🏭Its industry’s money flow (input-output)interactive

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About Civista Bancshares

CIVISTA BANCSHARES, INC. (“CBI” or the "Company") was organized under the laws of the State of Ohio on February 19, 1987 and is a registered financial holding company under the Gramm-Leach-Bliley Act of 1999, as amended (the “GLBA”). CBI’s office is located at 100 East Water Street, Sandusky, Ohio. CBI and its subsidiaries are sometimes referred to together as the “Company”. The Company had total consolidated assets of $4,336,453 at December 31, 2025. CIVISTA BANK (“Civista”), owned by the Company since 1987, opened for business in 1884 as The Citizens National Bank. In 1898, Civista was reorganized under Ohio banking law and was known as The Citizens Bank and Trust Company. In 1908, Civista surrendered its trust charter and began operation as The Citizens Banking Company.

In its own words, from its 10-K, filed Mar 6, 2026.

Civista Bancshares against its State Commercial Banks peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +11% against the peers' median +11%. Operating margin: 40.4% against the peers' median 34.7%.

CompanyQuarterRevenueY/YOp. margin
CIVB Civista BancsharesQ3 2026$49.1M+11%40.4%
BNY Bank of New York MellonQ3 2026$5.7B+12%38.5%
STT State StreetQ3 2026$4.0B+13%34.7%
FITB Fifth Third BancorpQ3 2026$3.3B+42%33.8%
MTB M&T BankQ3 2026$2.5B+0.9%39.7%
FCNCA First Citizens BancsharesQ3 2026$2.4B0%33.1%
ALLY Ally FinancialQ3 2026$2.3B+8%24.3%
CFG Citizens Financial GroupQ3 2026$2.3B+10%34.6%
NTRS Northern TrustQ3 2026$2.3B+13%34.7%

Source: Civista Bancshares 10-Q on SEC EDGAR · CIK 944745 · State Commercial Banks

Guidance and outlook

Civista Bancshares: what its forward-looking statements are about (10-Q filed 2026-11-05)Civista Bancshares: what its forward-looking statements are about (10-Q filed 2026-11-05)Other2Demand1Tax1
4 statements; tone +0.25 (−1 all cautious, +1 all confident); 1 hedged.
Civista Bancshares: outlook statements against the filing beforeCivista Bancshares: outlook statements against the filing beforeConfident2Cautious1

13F: who owns CIVB and who is buying

Largest holders of CIVB (13F)Largest holders of CIVB (13F)BlackRock$48.0MWellington Management Group LLP$35.5MDimensional Fund Advisors LP$28.9MVanguard Capital Management LLC$25.0MVanguard Group$24.5MAlliancebernstein L.P.$20.5MManufacturers Life Insurance Comp…$16.1MState Street$15.7MGeode Capital Management, LLC$15.5MEndeavour Capital Advisors$14.6M
Funds' net buying of CIVB by quarter (13F)Funds' net buying of CIVB by quarter (13F)−$703K2024-09−$1.7M2024-12−$826K2025-03$6.4M2025-06$84.9M2025-09$431K2025-12$10.4M2026-03$6.5M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on CIVB

History

Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results

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