Headquartered within the financial services sector, Civista Bancshares, Inc. focuses on Banks - Regional services and products. Civista Bancshares, Inc. operates as the financial holding company for Civista Bank that provides banking services in the United States. With a market capitalization of $592.5M, it sits in small-cap territory. The company offers personal and commercial checking accounts; retirement, money market, time, and savings accounts; safe deposit boxes; wire transfers; and automated teller services.
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Civista Bancshares, Inc. carries $216.7M in total debt against $89.1M in cash reserves — debt is roughly 2.4x the cash position. Managing this leverage effectively will be important for long-term financial stability. Return on equity stands at 10.8%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 1.2% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $137.0M (2022) to $169.8M (2025), reflecting a 24% increase over the period.
The relatively low beta of 0.66 suggests CIVB is a less volatile holding compared to the broader index. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing CIVB.