CIVB · Civista Bancshares, Inc.
Price & Indicators
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Metrics snapshot
Useful current figures from the complete screener profile.
AI Brief
Q2 FY26 earnings call · Jul 23, 2026TL;DR. Civista reported Q2 net income of $14.3 million (up 30% YoY), driven by a 25 bps YoY NIM expansion to 3.89% and continued reduction in funding costs, though net income dipped 4.5% linked quarter; leadership transition to Chuck Parcher was announced effective August 28, 2026.
- + Net interest margin expanded 25 bps YoY to 3.89% with cost of funds down 37 bps YoY
- + Pre-provision net revenue rose 36% YoY to $18.9 million
- + Efficiency ratio improved to 58.2% from 64.5% YoY
- + Loan pipeline up 42% YoY with mid-single-digit growth expected
- + Brokered deposits reduced $25M linked quarter with continued $25M/quarter runoff planned
- + Strong capital position with tangible book value up 6.0% YTD to $20.43
- − Total deposits declined $43.6M linked quarter
- − Cost of deposits (ex-broker) rose 4 bps linked quarter to 1.59% on deposit mix migration
- − Diluted EPS down to $0.69 from $0.71 YoY due to FSB merger share issuance
- − Elevated loan payoffs ($68M in Q2) partly offset $351M in production
- − CEO transition announced with Dennis Shaffer retiring August 28, 2026
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders NeutralIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
Earlier KPI extraction records exist, but do not meet the current evidence-completeness requirements. No current verified series is available. Earlier figures remain withheld until revalidated; this is not evidence that the company reports no KPIs.
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
CIVB
this stock
Civista Bancshares, Inc.
|
$553.33M | +21.4% | -0.5% | 9.9 | 3.1% |
|
MFG
Mizuho Financial Group Inc
|
$133.98B | +48.8% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.26B | -38.9% | -3.2% | — | 0.7% |
|
CIXPF
CaixaBank/ADR
|
$103.83B | +26.7% | — | — | 0.1% |
|
IBN
Icici Bank Ltd
|
$100.21B | -7.9% | — | — | 0.6% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| CIVB | -0.3% | -2.1% | +12.4% | +2.3% | +21.4% |
| SPY | -0.2% | -0.5% | +12.2% | +0.9% | +12.9% |
| vs SPY | -0.1% | -1.7% | +0.2% | +1.4% | +8.6% |
Capital returns
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.