Pulling SEC filings + quote and writing the call…

CIVISTA BANCSHARES, INC.
Next earnings Jul 23, 2026 · consensus $0.61 EPS, $49.0M rev
Last earnings +3.4% on 2026-04-22
Strong net margin (242.9%); but revenue declined -0.5% YoY.
Sources: SEC EDGAR (CIK 0000944745, latest 10-Q filed 2026-05-08) · EODHD · as of 6/26/2026, 8:04:12 PM.
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Middling fundamentals offset by an attractive price (~250% below fair value) — worth a look on the value angle.
CIVISTA BANCSHARES, INC. shows $19.0M in FY2025 revenue (-0.5% YoY), a 242.9% net margin, and 8.5% ROE.
The risks, catalysts, 12-month price target and the cited SEC figures behind this rating — with Pro.
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| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $19.6M | $24.5M | $30.4M | $19.1M | $19.0M |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $40.5M | $39.4M | $43.0M | $31.7M | $46.2M |
| Diluted EPS | $2.63 | $2.60 | $2.73 | $2.01 | $2.64 |
| Net margin | 206.5% | 160.7% | 141.1% | 165.7% | 242.9% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
1049 tracked peers · median
Dates from 8-K (Item 2.02); beat/miss = reported EPS vs consensus (Finnhub, recent quarters); move = prior close → close on/after.
| 2026-06-08 | Oliver Mary Patricia Director | Award | 1.21K | |
| 2026-06-08 | PERFECT CLYDE A JR Insider | Award | 1.21K | |
| 2026-06-08 | Wise Lorina W Director | Award | 1.21K | |
| 2026-06-08 | Mattlin Julie A Director | Award | 1.21K | |
| 2026-06-08 | WURM GERALD B Insider | Award | 1.21K | |
| 2026-06-08 | Weaks Nathan E Insider | Award | 1.21K | |
| 2026-06-08 | Congrove Darci L Director | Award | 1.21K | |
| 2026-06-08 | Macioce Mark J. Director | Award | 1.21K | |
| 2026-05-19 | Oliver Mary Patricia Director | Acquired (J) | 54.89 | |
| 2026-05-19 | WURM GERALD B Insider | Acquired (J) | 728.99 | |
| 2026-05-19 | WURM GERALD B Insider | Acquired (J) | 298.92 | |
| 2026-05-19 | Macioce Mark J. Director | Acquired (J) | 21.60 |
Recent news tone vs the market's typical (which skews positive). A soft signal, not a recommendation.