Filing Flows › Civista Bancshares (CIVB) › Q3 2026 › vs Q3 2025
Civista Bancshares (CIVB) Q3 2026 vs Q3 2025 (year over year)
Civista Bancshares's revenue rose $4.9M (+11%) from $44.2M in Q3 2025 to $49.1M in Q3 2026. The biggest changes: Net interest income +$4.9M (+14%); Noninterest income +$18K (+0.2%). Operating margin 40.4% against 35.4% (+4.9 pts).
Civista Bancshares, Q3 2026: revenue $49.1M (+11% year over year), operating margin 40.4%, net earnings $16.0M, operating cash flow $27.6M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 40.4% | 35.4% | +4.9 pts |
| Net margin | 32.6% | 28.9% | +3.8 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $39.4M | $34.5M | $4.9M | +14% |
| Noninterest income | $9.7M | $9.6M | $18K | +0.2% |
| Revenue | $49.1M | $44.2M | $4.9M | +11% |
| Operating profit | $19.8M | $15.7M | $4.2M | +27% |
| Costs & expenses | $29.3M | $28.5M | $746K | +3% |
| Pre-tax earnings | $19.8M | $15.7M | $4.2M | +27% |
| Credit loss provision | $823K | $378K | $445K | +118% |
| Noninterest expense | $28.0M | $28.3M | −$349K | -1% |
| Net earnings | $16.0M | $12.8M | $3.3M | +26% |
| Income tax | $3.8M | $2.9M | $898K | +31% |
| Working capital & other | $11.6M | $6.2M | $5.4M | +86% |
| Operating cash flow | $27.6M | $19.0M | $8.6M | +45% |
Questions
How much did Civista Bancshares's revenue grow year over year in Q3 2026?
Civista Bancshares's revenue rose $4.9M (+11%) from $44.2M in Q3 2025 to $49.1M in Q3 2026.
What drove Civista Bancshares's revenue change in Q3 2026?
Net interest income +$4.9M (+14%); Noninterest income +$18K (+0.2%).