Filing Flows › Civista Bancshares (CIVB) › Q4 2025
Civista Bancshares (CIVB) Q4 2025 earnings results (fourth quarter 2025)
10-K filed Mar 6, 2026
Civista Bancshares (CIVB) reported revenue of $46.3M for the fourth quarter 2025 (Q4 2025), +15% from a year earlier and +5% from the quarter before. Operating margin was 31.8%, net earnings $12.3M (26.5% of revenue).
Civista Bancshares, Q4 2025: revenue $46.3M (+15% year over year), operating margin 31.8%, net earnings $12.3M, operating cash flow $9.6M. The chart follows the revenue to costs, profit and cash.
| Q4 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $46.3M | +5% | +15% |
| Operating profit | $14.7M | -6% | +30% |
| Net earnings | $12.3M | -4% | +24% |
| Operating cash flow | $9.6M | -49% | -57% |
What changed
Revenue was $46.3M in Q4 2025, up 15% year over year and up 5% from the previous quarter.
Operating profit was $14.7M, a 31.8% margin (up 3.6 points year over year). Of the extra revenue versus a year earlier, 56% reached operating profit, above the 28% margin then. Total costs grew 9% against revenue growth of 15%. Net earnings were $12.3M, up 24% year over year. The effective tax rate was 16.8%.
Operating cash flow was $9.6M (down 57% year over year), 78% of net earnings. Working capital and other items used $2.7M.
Questions
What was Civista Bancshares' revenue in the fourth quarter 2025?
Civista Bancshares (CIVB) reported revenue of $46.3M for the fourth quarter 2025 (Q4 2025), +15% from a year earlier and +5% from the quarter before.
Was Civista Bancshares profitable in the fourth quarter 2025?
Operating profit was $14.7M (31.8% of revenue) and net earnings $12.3M.
Source: Civista Bancshares 10-K on SEC EDGAR.