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Civista Bancshares cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$27.6M in Q3 2026 · $66.5M over twelve months

Operating cash flow$27.6M
Free cash flow+$27.6M
Cash / net income1.7×

Analysis

In Q3 2026, Civista Bancshares generated $27.6M of operating cash flow. That is $8.6M more than in Q3 2025 ($19.0M).

Over the twelve months to Sep 30, 2026, operating cash flow was $66.5M; the largest uses were other financing ($101M), dividends ($14.5M), buybacks ($2.5M); besides operations, cash came from other investing ($56.4M); the cash balance rose by $4.9M.

Operating cash flow was $27.6M against net income of $16.0M — 1.7× profit, cash ran ahead of reported earnings.

Free cash flow

Civista Bancshares: free cash flow by quarterCivista Bancshares: free cash flow by quarter$22.4MQ4 2024$3.5MQ1 2025$11.1MQ2 2025$19.0MQ3 2025$9.6MQ4 2025$12.2MQ1 2026$17.1MQ2 2026$27.6MQ3 2026
Operating cash flow less capital spending.
Civista Bancshares: operating cash flow against capital spendingCivista Bancshares: operating cash flow against capital spendingOperating cash flowCapital spending$22.4M$0Q4 2024$3.6M$161KQ1 2025$11.1M$0Q2 2025$19.0M$0Q3 2025$9.6M$0Q4 2025$12.2M$0Q1 2026$17.1M$0Q2 2026$27.6M$0Q3 2026
Latest (Q3 2026): Operating cash flow $27.6M, Capital spending $0.

Capital allocation, year by year

Civista Bancshares: where the cash came from (up) and went (down), by fiscal yearCivista Bancshares: where the cash came from (up) and went (down), by fiscal yearOperating cash flowShares issuedAsset salesCapital spendingAcquisitionsBuybacksDividendsFY2021: Operating cash flow $40.8MFY2021: Asset sales $13KFY2021: Capital spending −$1.9MFY2021: Buybacks −$22.3MFY2021: Dividends −$8.0M$40.8MFY2021FY2022: Operating cash flow $25.2MFY2022: Asset sales $183KFY2022: Capital spending −$6.5MFY2022: Acquisitions −$51.6MFY2022: Buybacks −$16.9MFY2022: Dividends −$8.5M$25.4MFY2022FY2023: Operating cash flow $62.7MFY2023: Capital spending −$3.4MFY2023: Buybacks −$1.6MFY2023: Dividends −$9.6M$62.7MFY2023FY2024: Operating cash flow $48.2MFY2024: Asset sales $4.2MFY2024: Capital spending −$4.2MFY2024: Buybacks −$164KFY2024: Dividends −$10.1M$52.5MFY2024FY2025: Operating cash flow $43.3MFY2025: Shares issued $75.7MFY2025: Asset sales $1.4MFY2025: Capital spending −$1.2MFY2025: Buybacks −$178KFY2025: Dividends −$11.8M$120MFY2025
Over these 5 years operating cash flow totalled $220M; the largest uses were acquisitions ($51.6M) and dividends ($48.0M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$67.7M
Debtnone
Net cash$67.7M

Civista Bancshares funds itself: free cash flow was $66.5M over the last twelve months, with $67.7M of cash and investments and no debt on the balance sheet.

Where the cash came from and went

Civista Bancshares: sources (+) and uses (−) of cash, Q3 2026Civista Bancshares: sources (+) and uses (−) of cash, Q3 2026Other investing−$33.5MOperating cash flow$27.6MOther financing$17.9MCash drawn (+) / kept (−)−$6.0MDividends−$3.7MBuybacks−$2.2M
Civista Bancshares: sources (+) and uses (−) of cash, TTM to Q3 2026Civista Bancshares: sources (+) and uses (−) of cash, TTM to Q3 2026Other financing−$101MOperating cash flow$66.5MOther investing$56.4MDividends−$14.5MCash drawn (+) / kept (−)−$4.9MBuybacks−$2.5M

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsCash drawn (+) / kept (−)Free cash flow
Q3 2026$27.6M—−$2.2M−$3.7M−$6.0M$27.6M
Q2 2026$17.1M——−$3.7M$21.8M$17.1M
Q1 2026$12.2M—−$318K−$3.7M−$6.2M$12.2M
Q4 2025$9.6M—−$4K−$3.3M−$14.6M$9.6M
Q3 2025$19.0M—−$7K−$3.3M$11.1M$19.0M
Q2 2025$11.1M——−$2.6M$16.6M$11.1M
Q1 2025$3.6M−$161K−$167K−$2.6M−$27.3M$3.5M
Q4 2024$22.4M——−$2.5M$11.5M$22.4M

Civista Bancshares: income statement and cash flow

Civista Bancshares, Q3 2026: revenue $49.1M (+11% year over year), operating margin 40.4%. The chart follows the revenue to costs, profit and cash.

Civista Bancshares: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.