Filing Flows › Civista Bancshares (CIVB) › Q3 2025
Civista Bancshares (CIVB) Q3 2025 earnings results (third quarter 2025)
10-Q filed Nov 5, 2025
Civista Bancshares (CIVB) reported revenue of $44.2M for the third quarter 2025 (Q3 2025), +12% from a year earlier and +7% from the quarter before. Operating margin was 35.4%, net earnings $12.8M (28.9% of revenue).
Civista Bancshares, Q3 2025: revenue $44.2M (+12% year over year), operating margin 35.4%, net earnings $12.8M, operating cash flow $19.0M. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $44.2M | +7% | +12% |
| Operating profit | $15.7M | +21% | +58% |
| Net earnings | $12.8M | +16% | +53% |
| Operating cash flow | $19.0M | +71% | +47% |
What changed
Revenue was $44.2M in Q3 2025, up 12% year over year and up 7% from the previous quarter.
Operating profit was $15.7M, a 35.4% margin (up 10.2 points year over year). Of the extra revenue versus a year earlier, 118% reached operating profit, above the 25% margin then. Total costs fell 3% while revenue rose 12%. Net earnings were $12.8M, up 53% year over year. The effective tax rate was 18.5%.
Operating cash flow was $19.0M (up 47% year over year), 149% of net earnings. Working capital and other items added $6.2M.
Questions
What was Civista Bancshares' revenue in the third quarter 2025?
Civista Bancshares (CIVB) reported revenue of $44.2M for the third quarter 2025 (Q3 2025), +12% from a year earlier and +7% from the quarter before.
Was Civista Bancshares profitable in the third quarter 2025?
Operating profit was $15.7M (35.4% of revenue) and net earnings $12.8M.
Source: Civista Bancshares 10-Q on SEC EDGAR.