Civista Bancshares

Civista Bancshares, through the subsidiary bank, Civista Bank, is primarily engaged in the business of community banking. The Bank conducts a general banking business that involves collecting customer deposits, making loans, purchasing securities, and offering Trust services. Civista Bank's loan portfolio consists of commercial and agriculture, commercial real estate-owner occupied, commercial real estate non-owner occupied, residential real estate, real estate construction, consumer and other. Its securities are classified as available-for-sale securities. The Bank's deposits include noninterest-bearing demand deposits; interest-bearing demand deposits; savings account, including money market deposit accounts, and certificates of deposit, including individual retirement accounts.

Company Growth (employees)
Type
Public
HQ
Sandusky, US
Founded
1884
Size (employees)
337 (est)+4%
Civista Bancshares was founded in 1884 and is headquartered in Sandusky, US

Civista Bancshares Office Locations

Civista Bancshares has an office in Sandusky
Sandusky, US (HQ)
100 E Water St

Civista Bancshares Data and Metrics

Civista Bancshares Financial Metrics

Civista Bancshares's revenue was reported to be $18.8 m in Q1, 2017
USD

Revenue (Q1, 2017)

18.8 m

Gross profit (Q1, 2017)

18 m

Gross profit margin (Q1, 2017), %

96%

Net income (Q1, 2017)

4.6 m

EBIT (Q1, 2017)

12.9 m

Market capitalization (20-Jul-2017)

212.9 m

Closing share price (20-Jul-2017)

21
Civista Bancshares's current market capitalization is $212.9 m.
USDFY, 2013FY, 2014FY, 2015FY, 2016

Revenue

44.9 m46 m50.7 m69.7 m

Revenue growth, %

2%10%37%

Cost of goods sold

4.9 m4.1 m3.3 m3.3 m

Gross profit

40 m41.9 m47.4 m66.4 m

Gross profit Margin, %

89%91%93%95%

Operating expense total

43.4 m41.6 m42.9 m43.9 m

EBIT

38.9 m40.4 m46.2 m50.3 m

EBIT margin, %

87%88%91%72%

Pre tax profit

7.6 m12.7 m17.5 m23.8 m

Income tax expense

1.4 m3.2 m4.8 m6.6 m

Net Income

6.2 m9.5 m12.7 m17.2 m
USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

Revenue

16.4 m16.3 m18.3 m17.8 m17 m18.8 m

Cost of goods sold

824 k821 k818 k799 k844 k800 k

Gross profit

15.6 m15.5 m17.5 m17 m16.2 m18 m

Gross profit Margin, %

95%95%96%96%95%96%

Sales and marketing expense

308 k298 k287 k275 k249 k252 k

Operating expense total

308 k298 k287 k275 k249 k252 k

EBIT

11.5 m12 m12.2 m12.9 m12.5 m12.9 m

EBIT margin, %

70%74%67%73%74%68%

Pre tax profit

4.2 m4.4 m6.6 m7.3 m5 m6.5 m

Income tax expense

1.1 m1.2 m1.9 m2.1 m1.3 m1.9 m

Net Income

5 m7.3 m3.2 m3.1 m3.3 m4.7 m5.2 m3.7 m4.6 m
USDFY, 2013FY, 2014FY, 2015FY, 2016

Accounts Receivable

3.9 m3.9 m3.9 m3.9 m

PP&E

16.9 m14.4 m16.9 m17.9 m

Goodwill

21.7 m21.7 m27.1 m27.1 m

Total Assets

1.2 b1.2 b1.3 b1.4 b

Accounts Payable

1.1 b

Total Debt

67.2 m94.6 m100.6 m77.9 m

Total Liabilities

1.2 b

Preferred Stock

23.2 m

Retained Earnings

(10.8 m)(4.3 m)

Total Equity

128.4 m115.9 m125.2 m137.6 m

Debt to Equity Ratio

0.5 x0.8 x0.8 x0.6 x

Debt to Assets Ratio

0.1 x0.1 x0.1 x0.1 x

Financial Leverage

9.1 x10.5 x10.5 x10 x
USDQ2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

PP&E

16.3 m16.2 m16.8 m16.7 m17.3 m18 m

Goodwill

26.8 m27.1 m27.1 m27.1 m27.1 m27.1 m

Total Assets

1.3 b1.3 b1.5 b1.4 b1.4 b1.6 b

Accounts Payable

1.1 b1.1 b1.3 b1.1 b1.1 b1.3 b

Retained Earnings

9.2 m13.6 m16.5 m23.1 m

Total Equity

120 m123.3 m130.5 m136.2 m138.3 m174.7 m

Financial Leverage

11 x10.6 x11.5 x10 x9.9 x9 x
USDFY, 2013FY, 2014FY, 2015FY, 2016

Net Income

6.2 m9.5 m12.7 m17.2 m

Depreciation and Amortization

846 k769 k711 k699 k

Accounts Receivable

(172 k)29 k144 k48 k

Accounts Payable

(30 k)

Cash From Operating Activities

12.5 m14.9 m15.1 m17.7 m

Cash From Investing Activities

(55.9 m)(48.5 m)(11.9 m)(63.6 m)

Dividends Paid

(2.3 m)(3.1 m)(3.3 m)

Cash From Financing Activities

31.2 m29.3 m47 m

Interest Paid

4.9 m4.1 m3.3 m3.2 m

Income Taxes Paid

1 m1.7 m3.7 m5.9 m
USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017

Net Income

5 m7.3 m3.2 m3.1 m3.3 m4.7 m5.2 m3.7 m4.6 m

Depreciation and Amortization

192 k189 k183 k172 k172 k167 k
USDY, 2017

Revenue/Employee

56.8 k

Financial Leverage

9 x

Civista Bancshares Market Value History

Traffic Overview of Civista Bancshares

Civista Bancshares Company Life and Culture

You may also be interested in