Civista Bancshares, Inc. (CIVB)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$28.16-2.26%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
QuarterlyIQ Insights · CIVB
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Met or beat guidance 100% of the last 2 guided quarters · 1.4% avg surprise
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
• Net interest margin increased 35 basis points to 3.93% for the third quarter of 2026, compared to 3.58% for the same period in 2025, reflecting continued disciplined deposit pricing, a reduced reli…
Stated in 2 of 3 supplied quarters. Management reported: “• Net interest margin increased 35 basis points to 3.93% for the third quarter of 2026, compared to 3.58% for the same period in 2025, reflecting continued disciplined deposit pricing, a reduced reliance on higher‑cost wholesale funding, and partially supplemented by favorable loan yields and earning asset mix management.” “• Brokered deposits declined $25.0 million during the third quarter and $77.0 million since year-end 2025 as Civista continued optimizing its funding mix and reducing higher-cost funding sources.”
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 55% of the time over the next year (vs 61% for the rest of the cohort, n=10284).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“• Net interest margin increased 35 basis points to 3.93% for the third quarter of 2026, compared to 3.58% for the same period in 2025, reflecting continued disciplined deposit pricing, a reduced reli…”
“1 CEO Commentary: “Civista reported a solid start to 2026, with first‑quarter net income of $15.0 million, or $0.72 per diluted share,” said Dennis Shaffer, President and Chief Executive Officer of C…”
Disciplined Fundamentals Strong earnings driven by low-cost core deposits and stable underwriting with solid credit performance Growth Long-term growth through organic expansion in core markets and a…
Stated in 1 of 3 supplied quarters. Management reported: “Disciplined Fundamentals Strong earnings driven by low-cost core deposits and stable underwriting with solid credit performance Growth Long-term growth through organic expansion in core markets and a disciplined, opportunistic M&A strategy 4 Successful Acquisitions since 2018 All figures are as of 3Q 2026 unless otherwise stated 1.” “2025 $285M in Assets $1.5 $1.6 $1.6 $2.3 $2.3 $3.1 $3.2 $3.7 $3.9 $4.1 Terminated tax refund processing: January 2024 10 Acquisition: Closed Sept.”
““As we move forward, we remain focused on disciplined growth, prudent risk management, and delivering consistent value for shareholders,” Shaffer concluded.”
Disciplined Fundamentals Strong earnings driven by low-cost core deposits and stable underwriting with solid credit performance Growth Long-term growth through organic expansion in core markets and a…
Stated in 1 of 3 supplied quarters. Management reported: “Disciplined Fundamentals Strong earnings driven by low-cost core deposits and stable underwriting with solid credit performance Growth Long-term growth through organic expansion in core markets and a disciplined, opportunistic M&A strategy 4 Successful Acquisitions since 2018 All figures are as of 3Q 2026 unless otherwise stated 1.”
“1 CEO Commentary: “Civista reported a solid start to 2026, with first‑quarter net income of $15.0 million, or $0.72 per diluted share,” said Dennis Shaffer, President and Chief Executive Officer of C…”
See non-GAAP reconciliation in appendix NRA represents non-recurring adjustments 3Q 2026 3Q 2025 Net Income ($ in millions) Interest Income 57.8 55.2 Interest Expenses 18.4 20.7 Net Interest Income 3…
Stated in a supplied disclosure. Management reported: “See non-GAAP reconciliation in appendix NRA represents non-recurring adjustments 3Q 2026 3Q 2025 Net Income ($ in millions) Interest Income 57.8 55.2 Interest Expenses 18.4 20.7 Net Interest Income 39.4 34.5 Provision 1.3 0.2 Non-Interest Income 9.7 9.6 Non-Interest Expense 28.0 28.3 Earnings Before Tax 19.8 15.7 Net Income 16.0 12.8 Credit Quality Credit, Liquidity & Capital Credit Loss Reserves / Gross Loans Reserves / Non-performing Loans Non-performing Assets / Assets Net Charge-off Ratio1 All figures are End of Period Balances 1.”
Disciplined Fundamentals Strong earnings driven by low-cost core deposits and stable underwriting with solid credit performance Growth Long-term growth through organic expansion in core markets and a…
Stated in a supplied disclosure. Management reported: “Disciplined Fundamentals Strong earnings driven by low-cost core deposits and stable underwriting with solid credit performance Growth Long-term growth through organic expansion in core markets and a disciplined, opportunistic M&A strategy 4 Successful Acquisitions since 2018 All figures are as of 3Q 2026 unless otherwise stated 1.” “2025 $285M in Assets $1.5 $1.6 $1.6 $2.3 $2.3 $3.1 $3.2 $3.7 $3.9 $4.1 Terminated tax refund processing: January 2024 10 Acquisition: Closed Sept.”
Over the trailing year it converted 0.82x of net income into operating cash flow. Historically, Financials names rated fragile grew net income 52% of the time over the next year (vs 60% for the rest of the cohort, n=6873).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, long-term interest rates, real (inflation-adjusted) rates, Fed net liquidity (low R² over the window).
18 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated volatile grew net income 58% of the time over the next year (vs 59% for the rest of the cohort, n=7346).
Not investment advice. As of 2026-11-05.