CIVB · Civista Bancshares, Inc.
$28.51
-0.12 (-0.42%)
At close · Aug 14
Market Cap
$592.84M
Shares
20.79M
Civista Bancshares, Inc. Earnings Call Transcripts
Every quarterly earnings call for Civista Bancshares, Inc. (CIVB) — the full transcript with speaker labels, the audio replay, AI call highlights and a management-tone score, plus the matching 8-K earnings release and the quarter's 10-Q or 10-K. Investor days and conferences appear here too.
Revenue & result across quarters
Revenue Net income YoY up YoY down artefacts
▲9.4%
$4.76M
$11.11M
'22 Q3
22-10-27
▲88.8%
$8.88M
$12.15M
'22 Q4
23-02-07
▲65%
$10.36M
$12.89M
'23 Q1
23-04-28
▲32.8%
$6.14M
$10.03M
'23 Q2
23-07-28
▲7.5%
$5.12M
$10.39M
'23 Q3
23-10-27
▼0.5%
$8.84M
$9.65M
'23 Q4
24-02-08
▼45.2%
$5.67M
$6.36M
'24 Q1
24-04-30
▼5.7%
$5.79M
$7.06M
'24 Q2
24-07-29
▲1.4%
$5.19M
$8.37M
'24 Q3
24-10-29
▼72.1%
$2.47M
$9.89M
'24 Q4
25-01-30
▼15.4%
$4.79M
$10.17M
'25 Q1
25-04-24
▼11.8%
$5.11M
$11.02M
'25 Q2
25-07-11
▲19%
$6.18M
$12.76M
'25 Q3
25-10-23
▲19.1%
$2.94M
$12.27M
'25 Q4
26-01-29
▲0.4%
$4.82M
$14.99M
'26 Q1
26-04-22
LATEST
▲10.8%
$5.66M
$14.31M
'26 Q2
26-07-23
Earnings call
FY26 · Q2
2026-07-23
Second Quarter 2026 Earnings Call
Revenue
$5.66M
▲ 10.8% YoY Diluted EPS
$0.69
▼ 2.8% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY26 · Q1
2026-04-22
Civista Bancshares, Inc. Q1 FY2026 Earnings Call
Confident tone
Loan Production and Payoffs
Net Interest Margin and Funding Costs
Noninterest Income and Expense
Revenue
$4.82M
▲ 0.4% YoY Diluted EPS
$0.72
▲ 9.1% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q4
2026-01-29
Civista Bancshares, Inc. Q4 FY2025 Earnings Call
Confident tone
Loan growth and CRE concentration
Farmers Savings Bank acquisition and integration
Leasing business performance and outlook
Revenue
$2.94M*
▲ 19.1% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY25 · Q3
2025-10-23
Civista Bancshares, Inc. Q3 FY2025 Earnings Call
Confident tone
Loan portfolio and payoffs
Net interest margin
Noninterest income and expenses
Revenue
$6.18M
▲ 19% YoY Diluted EPS
$0.68
▲ 28.3% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q2
2025-07-11
Civista Bancshares, Inc. Q2 FY2025 Earnings Call
Confident tone
Farmers Acquisition
Leasing Division
Capital Raise
Revenue
$5.11M
▼ 11.8% YoY Diluted EPS
$0.71
▲ 57.8% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q1
2025-04-24
Civista Bancshares, Inc. Q1 FY2025 Earnings Call
Positive tone
Net interest margin and funding cost
Credit quality
Deposit growth and core funding
Revenue
$4.79M
▼ 15.4% YoY Diluted EPS
$0.66
▲ 61% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q4
2025-01-30
Civista Bancshares, Inc. Q4 FY2024 Earnings Call
Positive tone
Core deposit growth initiatives
Net interest margin expansion
Expense control and efficiency
Revenue
$2.47M*
▼ 72.1% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY24 · Q3
2024-10-29
Civista Bancshares, Inc. Q3 FY2024 Earnings Call
Positive tone
Deposit Growth Initiatives
Expense Control and Efficiency
Net Interest Margin and Funding Costs
Revenue
$5.19M
▲ 1.4% YoY Diluted EPS
$0.53
▼ 19.7% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q2
2024-07-29
Civista Bancshares, Inc. Q2 FY2024 Earnings Call
Balanced tone
Credit quality and charge-offs
Deposit costs peaking
NIM pressure and transition from exited tax refund processor
Revenue
$5.79M
▼ 5.7% YoY Diluted EPS
$0.45
▼ 29.7% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q1
2024-04-30
Civista Bancshares, Inc. Q1 FY2024 Earnings Call
Cautious tone
Overdraft and service charge changes
Net interest margin compression
Allowance for credit losses increase
Revenue
$5.67M
▼ 45.2% YoY Diluted EPS
$0.41
▼ 50% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q4
2024-02-08
Civista Bancshares, Inc. Q4 FY2023 Earnings Call
Positive tone
Credit quality
Net interest margin and funding costs
Leasing division integration
Revenue
$8.84M*
▼ 0.5% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY23 · Q3
2023-10-27
Civista Bancshares, Inc. Q3 FY2023 Earnings Call
Revenue
$5.12M
▲ 7.5% YoY Diluted EPS
$0.66
▼ 8.3% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q2
2023-07-28
Civista Bancshares, Inc. Q2 FY2023 Earnings Call
Revenue
$6.14M
▲ 32.8% YoY Diluted EPS
$0.64
▲ 20.8% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q1
2023-04-28
Civista Bancshares, Inc. Q1 FY2023 Earnings Call
Revenue
$10.36M
▲ 65% YoY Diluted EPS
$0.82
▲ 43.9% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q4
2023-02-07
Civista Bancshares, Inc. Q4 FY2022 Earnings Call
Revenue
$8.88M*
▲ 88.8% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY22 · Q3
2022-10-27
Civista Bancshares, Inc. Q3 FY2022 Earnings Call
Revenue
$4.76M
▲ 9.4% YoY Diluted EPS
$0.72
▲ 12.5% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q2
2022-07-28
Civista Bancshares, Inc. Q2 FY2022 Earnings Call
Revenue
$4.62M
▲ 0.1% YoY Diluted EPS
$0.53
▼ 10.2% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q1
2022-04-28
Civista Bancshares, Inc. Q1 FY2022 Earnings Call
Revenue
$6.27M
▲ 5.2% YoY Diluted EPS
$0.57
▼ 16.2% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q4
2022-02-04
Civista Bancshares, Inc. Q4 FY2021 Earnings Call
Revenue
$4.70M*
▲ 18% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY21 · Q3
2021-10-27
Civista Bancshares, Inc. Q3 FY2021 Earnings Call
Revenue
$4.35M
▲ 14% YoY Diluted EPS
$0.64
▲ 33.3% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q2
2021-07-23
Civista Bancshares, Inc. Q2 FY2021 Earnings Call
Revenue
$4.62M
▲ 28% YoY Diluted EPS
$0.59
▲ 43.9% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q1
2021-04-23
Civista Bancshares, Inc. Q1 FY2021 Earnings Call
Revenue
$5.96M
▲ 7.7% YoY Diluted EPS
$0.68
▲ 44.7% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q4
2021-02-05
Civista Bancshares, Inc. Q4 FY2020 Earnings Call
Revenue
$3.98M*
▼ 0.8% YoY Diluted EPS
$0.64
▲ 36.2% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY20 · Q3
2020-10-23
Civista Bancshares, Inc. Q3 FY2020 Earnings Call
Revenue
$3.82M
▼ 4.5% YoY Diluted EPS
$0.48
▲ 4.3% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q2
2020-07-24
Civista Bancshares, Inc. Q2 FY2020 Earnings Call
Revenue
$3.61M
▼ 14.7% YoY Diluted EPS
$0.41
▼ 19.6% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q1
2020-04-24
Civista Bancshares, Inc. Q1 FY2020 Earnings Call
Revenue
$5.54M
▲ 0% YoY Diluted EPS
$0.47
▼ 17.5% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY19 · Q4
2020-02-07
Civista Bancshares, Inc. Q4 FY2019 Earnings Call
Revenue
$4.02M*
▲ 3.7% YoY Diluted EPS
$0.47
▲ 4.4% YoY
Rev · 7q
Audio
Transcript
Slides
8-K10-K
Showing 1–27 of 27 earnings calls