Civista Bancshares (CIVB)
Runs community banking across Ohio, Indiana and Kentucky, plus nationwide equipment leasing.
$26.68
vs last close−0.35 (−1.29%)
In millions of USD, except per-share figures
| In millions | Q3 FY23Sep 2023 | Q4 FY23Dec 2023 | Q1 FY24Mar 2024 | Q2 FY24Jun 2024 | Q3 FY24Sep 2024 | Q4 FY24Dec 2024 | Q1 FY25Mar 2025 | Q2 FY25Jun 2025 | Q3 FY25Sep 2025 | Q4 FY25Dec 2025 | Q1 FY26Mar 2026 | Q2 FY26Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 54 | 60 | 58 | 61 | 62 | 62 | 61 | 62 | 64 | 66 | 56 | 39 |
| Cost of revenue | 16 | 24 | 24 | 24 | 25 | 23 | 23 | 22 | 21 | 20 | 18 | 18 |
| Gross profit | 38 | 36 | 34 | 36 | 37 | 39 | 38 | 40 | 43 | 46 | 38 | 21 |
| 26 | 25 | 27 | 28 | 27 | 28 | 27 | 27 | 27 | 31 | 29 | 30 | |
| 15 | 14 | 16 | 17 | 17 | 16 | 15 | 16 | 16 | 18 | 30 | 30 | |
| Selling & marketing | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| General & administrative | 15 | 15 | 16 | 16 | 16 | 16 | 15 | 16 | 16 | 18 | 30 | 30 |
| Other expenses | 11 | 10 | 10 | 11 | 10 | 12 | 11 | 11 | 11 | 13 | −1 | 0 |
| Operating income | 12 | 11 | 7 | 8 | 10 | 11 | 12 | 13 | 16 | 15 | 9 | −9 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 9 | 26 | |
| Interest income | 47 | 52 | 50 | 51 | 53 | 53 | 54 | 56 | 55 | 56 | 56 | 57 |
| Interest expense | 15 | 22 | 22 | 23 | 24 | 22 | 21 | 21 | 21 | 19 | 18 | 18 |
| Income before tax | 12 | 11 | 7 | 8 | 10 | 11 | 12 | 13 | 16 | 15 | 18 | 17 |
| Income tax expense | 2 | 2 | 1 | 1 | 2 | 1 | 2 | 2 | 3 | 2 | 3 | 3 |
| Net income from continuing operations | 10 | 10 | 6 | 7 | 8 | 10 | 10 | 11 | 13 | 12 | 15 | 14 |
| Net income | 10 | 10 | 6 | 7 | 8 | 10 | 10 | 11 | 13 | 12 | 15 | 14 |
| EPS, basic | $0.66 | $0.61 | $0.41 | $0.45 | $0.53 | $0.63 | $0.66 | $0.71 | $0.68 | $0.61 | $0.72 | $0.69 |
| EPS, diluted | $0.66 | $0.61 | $0.41 | $0.45 | $0.53 | $0.63 | $0.66 | $0.71 | $0.68 | $0.61 | $0.72 | $0.69 |
| Weighted average shares, basic | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 17 | 20 | 21 | 21 |
| Weighted average shares, diluted | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 15 | 17 | 20 | 21 | 21 |
| EBITDA | 13 | 12 | 8 | 8 | 10 | 11 | 12 | 13 | 16 | 15 | 9 | −9 |
| Depreciation & amortization | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EBIT | 12 | 11 | 7 | 8 | 10 | 11 | 12 | 13 | 16 | 15 | 9 | −9 |