Civista Bancshares

The Company, through the subsidiary bank, Civista Bank, is primarily engaged in the business of community banking. Civista Bank, located in Erie, Crawford, Champaign, Cuyahoga, Franklin, Logan, Madison, Montgomery, Summit, Huron, Ottawa and Richland Counties, Ohio, conducts a general banking business that involves collecting customer deposits, making loans, purchasing securities, and offering Trust services. The Company'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 (AFS) securities. Its deposits include non-interest-bearing demand deposits; interest-bearing demand deposits; savings account, including money market deposit accounts, and certificates of deposit, including individual retirement accounts (IRAs).
Type
Public
HQ
Sandusky, US
Founded
1884
Size (employees)
326 (est)
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 Metrics

Civista Bancshares Financial Metrics

Civista Bancshares's revenue was reported to be $69.7 m in 2016

Revenue (Y, 2016)

$69.7 m

Revenue growth (Y, 2015 - Y, 2016), %

37%

Gross profit (Y, 2016)

$66.4 m

Gross profit margin (Y, 2016), %

95%

Net income (Y, 2016)

$17.2 m

EBIT (Y, 2016)

$50.3 m

Market capitalization (19-May-2017)

$213 m

Closing share price (19-May-2017)

$20.3
Civista Bancshares's current market capitalization is $213 m.
FY, 2013FY, 2014FY, 2015Y, 2016

Revenue

$44.9 m$46 m$50.7 m$69.7 m

Revenue growth, %

2%10%37%

Cost of goods sold

$4.9 m$4.1 m$3.3 m$3.3 m

Gross profit

$40 m$41.9 m$47.4 m$66.4 m

Gross profit Margin, %

89%91%93%95%

Operating expense total

$43.4 m$41.6 m$42.9 m$43.9 m

EBIT

$38.9 m$40.4 m$46.2 m$50.3 m

EBIT margin, %

87%88%91%72%

Pre tax profit

$7.6 m$12.7 m$17.5 m$23.8 m

Income tax expense

$1.4 m$3.2 m$4.8 m$6.6 m

Net Income

$6.2 m$9.5 m$12.7 m$17.2 m
FY, 2013FY, 2014FY, 2015FY, 2016

Accounts Receivable

$3.9 m$3.9 m$3.9 m$3.9 m

Inventories

PP&E

$16.9 m$14.4 m$16.9 m$17.9 m

Goodwill

$21.7 m$21.7 m$27.1 m$27.1 m

Total Assets

$1.2 b$1.2 b$1.3 b$1.4 b

Accounts Payable

Total Debt

$67.2 m$94.6 m$100.6 m$77.9 m

Preferred Stock

$23.2 m

Retained Earnings

($10.8 m)($4.3 m)

Total Equity

$128.4 m$115.9 m$125.2 m$137.6 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
FY, 2013FY, 2014FY, 2015FY, 2016

Net Income

$6.2 m$9.5 m$12.7 m$17.2 m

Depreciation and Amortization

$846 k$769 k$711 k$699 k

Accounts Receivable

($172 k)$29 k$144 k$48 k

Inventories

Accounts Payable

($30 k)

Cash From Operating Activities

$12.5 m$14.9 m$15.1 m$17.7 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 m$29.3 m$47 m

Interest Paid

$4.9 m$4.1 m$3.3 m$3.2 m

Income Taxes Paid

$1 m$1.7 m$3.7 m$5.9 m
Y, 2016

Revenue/Employee

$213.8 k

Debt/Equity

0.6 x

Debt/Assets

0.1 x

Financial Leverage

10 x

Civista Bancshares Market Value History

Civista Bancshares Company Life

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