Filing Flows › Civista Bancshares (CIVB) › How it makes money
How Civista Bancshares (CIVB) makes money
Civista Bancshares (CIVB) made $49.1M of revenue in the third quarter 2026 (Q3 2026), +11% from a year earlier. Net interest income brought in $39.4M (80%); Noninterest income brought in $9.7M (20%). Of every dollar of revenue, 40¢ was left as operating profit, 33¢ was left as net earnings.
Drawing the Sankey…
Revenue by segment, Q3 2026
| Segment | Revenue | Share | Q/Q | Y/Y |
|---|---|---|---|---|
| Net interest income | $39.4M | 80.3% | +2% | +14% |
| Noninterest income | $9.7M | 19.7% | +7% | +0.2% |
Where each dollar of revenue goes
| Line | Q3 2026 | % of revenue |
|---|---|---|
| Revenue | $49.1M | 100.0% |
| Operating profit | $19.8M | 40.4% |
| Income tax | $3.8M | 7.7% |
| Net earnings | $16.0M | 32.6% |
| Operating cash flow | $27.6M | 56.2% |
Revenue, quarter by quarter
| Quarter | Revenue | Y/Y |
|---|---|---|
| Q3 2026 | $49.1M | +11% |
| Q2 2026 | $47.6M | +15% |
| Q1 2026 | $47.3M | +16% |
| Q4 2025 | $46.3M | +15% |
| Q3 2025 | $44.2M | +12% |
| Q2 2025 | $41.4M | +9% |
| Q1 2025 | $40.6M | +11% |
From Civista Bancshares' 10-Q filed Nov 5, 2026 (on EDGAR).
Questions
How does Civista Bancshares make money?
Civista Bancshares (CIVB) made $49.1M of revenue in the third quarter 2026 (Q3 2026), +11% from a year earlier. Net interest income brought in $39.4M (80%); Noninterest income brought in $9.7M (20%). Of every dollar of revenue, 40¢ was left as operating profit, 33¢ was left as net earnings.
What is Civista Bancshares' biggest business?
Net interest income: $39.4M in the third quarter 2026, 80% of revenue, +14% from a year earlier.
What is Civista Bancshares' profit margin?
Net earnings were $16.0M, 32.6% of revenue, in the third quarter 2026; the operating margin was 40.4%.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.