Civista Bancshares, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Civista Bancshares, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 2/3Sales grew in 2 of the last 3 years; profit grew in 2 of 3.
Steadier than 53% of Financial Services companies in United States.
Growth Efficiency Ratio
$21Sales grew 24% in 3 years; of every extra $100 of sales, $21 became extra profit.
Lower than 54% of Financial Services companies in United States.
Asset Productivity Ratio
+24% / +19%In 3 years sales changed by +24% while total assets changed by +19%. Both moved at about the same pace.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
97%Of every $100 the company owns, $97 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Less tangible than 64% of Financial Services companies in United States.
Tangible Net Worth Ratio
74%Of every $100 of net worth, $74 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Less tangible than 66% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Civista Bancshares, Inc. owes $0.87 for every $1 it owns. Net profit rose 46% in the year to Dec 2025, and grew 5% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
10.5Investors pay $10.5 for every $1 of Civista Bancshares, Inc.'s yearly profit, lower than 75% of Financial Services companies in United States.
P/B ratio
1.03The share price is 1.03 times Civista Bancshares, Inc.'s book value per share, lower than 69% of Financial Services companies in United States.
Market cap
$585 MThe total market value of all of Civista Bancshares, Inc.'s shares at today's price (share price × number of shares), smaller than 55% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$567 MWhat Civista Bancshares, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$27.26Net worth divided by the number of shares. The share price of $28.15 is 1.0 times this, which is the P/B above.
Return on equity (ROE)
11.2%Civista Bancshares, Inc. earned 11.2% on its shareholders' money over the last year, higher than 54% of Financial Services companies in United States.
Owes vs Owns
0.87×Civista Bancshares, Inc. owes $0.87 for every $1 it owns (high), higher than 59% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
2.70%Civista Bancshares, Inc. pays 2.70% of its share price as dividends a year, lower than 53% of dividend-paying Financial Services companies in United States.
Revenue growth
+12%Revenue rose 12% in the year to Dec 2025, and grew 7% a year on average over 3 years.
Profit growth
+46%Net profit rose 46% in the year to Dec 2025, and grew 5% a year on average over 3 years.
Profit margin
27.2%Civista Bancshares, Inc. keeps $27 of every $100 of revenue as net profit.
Questions
What is Civista Bancshares, Inc.'s P/E ratio?
Investors pay $10.5 for every $1 of Civista Bancshares, Inc.'s yearly profit, lower than 75% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Civista Bancshares, Inc.: $585 M ÷ $567 M (30 Jun 2026) = 1.0.
What is Civista Bancshares, Inc.'s return on equity?
Civista Bancshares, Inc. earned 11.2% on its shareholders' money over the last year, higher than 54% of Financial Services companies in United States.
How much does Civista Bancshares, Inc. owe compared with what it owns?
Civista Bancshares, Inc. owes $0.87 for every $1 it owns (high), higher than 59% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Civista Bancshares, Inc. pay a dividend?
Yes. Civista Bancshares, Inc. pays 2.70% of its share price as dividends a year, lower than 53% of dividend-paying Financial Services companies in United States.
Is Civista Bancshares, Inc.'s revenue growing?
Revenue rose 12% in the year to Dec 2025, and grew 7% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.