CIVB Civista Bancshares, Inc. - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 6, 2026
$26.98
· of 52w range
· above low
· to high
$19.8252w low
$29.9752w high
P/E (TTM)
10.1
EPS (TTM)
$2.68
Revenue (TTM)
$20M
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52W Range
$20–$30
Analyst Rating
BUY
Price Target
$31
P/E
10.1
ROE
11.2%
Net Profit Margin
277.3%
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CIVB Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$26.98
P/E (TTM)
10.1
EPS (TTM)
$2.68
Revenue (TTM)
$20M
ROE (TTM)
11.2%
52W Range
$20–$30
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Stock splits
| Ex-date | Split | Type |
|---|---|---|
| June 5, 1996 | 4-for-1 | Forward |
10-Year Performance Revenue, net income, margins and EPS trends
Revenue$19M2016-12-31 → 2025-12-31
EPS$2.642016-12-31 → 2025-12-31
Free Cash Flow$42M2016-12-31 → 2025-12-31
Net margin277.3%2016-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | CIVB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E (TTM) | 10.15Y avg ≈8.7 | ≈8.7 | 10.5 | Fair value | |
| PEG Ratio | ≈1.8 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | CIVB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Pretax Margin (TTM) | 334.7%5Y avg ≈216.4% | ≈216.4% | 46.5% | Top tier | |
| Net Profit Margin (TTM) | 277.3%5Y avg ≈183.4% | ≈183.4% | 35.1% | Top tier | |
| ROA (TTM) | 1.3%5Y avg ≈1.1% | ≈1.1% | 1.4% | Weak | |
| ROE (TTM) | 11.2%5Y avg ≈10.8% | ≈10.8% | 12.6% | Weak |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | CIVB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | -0.52%5Y avg ≈5.4% | ≈5.4% | · | · | |
| Revenue CAGR 3Y | -8.1%5Y avg ≈4.2% | ≈4.2% | · | · | |
| Revenue CAGR 5Y | 2.3% | · | · | · | |
| EPS YoY | 31.3%5Y avg ≈8.1% | ≈8.1% | · | · | |
| Net Income YoY | 45.9%5Y avg ≈10.4% | ≈10.4% | · | · | |
| EPS CAGR 3Y | 0.51%5Y avg ≈0.96% | ≈0.96% | · | · | |
| EPS CAGR 5Y | 5.7% | · | · | · | |
| Net Income CAGR 3Y | 5.4%5Y avg ≈2.6% | ≈2.6% | · | · | |
| Net Income CAGR 5Y | 7.5% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | CIVB | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.05Y avg ≈0.0 | ≈0.0 | 0.0 | Weak | |
| Revenue / Employee | ≈$34.7K | · | · | · |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Payout Ratio25.6%
Annualized Payout≈$0.72
5Y Div CAGR≈9.1%
Growth Streak≈13
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Aug 4, 2026 | $0.18 | USD | ≈2.4% |
| May 5, 2026 | $0.18 | USD | ≈2.8% |
| Feb 10, 2026 | $0.18 | USD | ≈2.8% |
| Nov 4, 2025 | $0.17 | USD | ≈3.2% |
| Aug 5, 2025 | $0.17 | USD | ≈3.5% |
| Apr 29, 2025 | $0.17 | USD | ≈2.9% |
| Feb 4, 2025 | $0.17 | USD | ≈3.1% |
| Nov 5, 2024 | $0.16 | USD | ≈3.1% |
| Aug 6, 2024 | $0.16 | USD | ≈4.1% |
| May 6, 2024 | $0.16 | USD | ≈4.5% |
| Feb 12, 2024 | $0.16 | USD | ≈4.0% |
| Nov 6, 2023 | $0.16 | USD | ≈4.1% |
| Aug 7, 2023 | $0.16 | USD | ≈3.2% |
| May 8, 2023 | $0.15 | USD | ≈3.9% |
| Feb 13, 2023 | $0.14 | USD | ≈2.6% |
| Nov 7, 2022 | $0.14 | USD | ≈2.4% |
| Aug 8, 2022 | $0.14 | USD | ≈2.6% |
| May 9, 2022 | $0.14 | USD | ≈2.7% |
| Feb 14, 2022 | $0.14 | USD | ≈2.2% |
| Oct 18, 2021 | $0.14 | USD | ≈2.1% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
15.0%
Next Report
Oct 21, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Jul 23, 2026 | $0.69 | $0.62 | 10.7% |
| March 31, 2026 | $0.72 | $0.63 | 14.3% | |
| Dec. 31, 2025 | $0.75 | $0.58 | 28.2% | |
| Sept. 30, 2025 | $0.68 | $0.61 | 11.0% | |
| June 30, 2025 | $0.71 | $0.71 | 0.01% | |
| March 31, 2025 | $0.66 | $0.53 | 25.6% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $19M | $19M | $30M | $25M | $20M | $17M | $18M | $15M | $14M | $13M | |
| Interest Expense | · | · | $57M | $16M | $10M | $10M | $13M | $8M | $4M | $3M | |
| Interest Income | $221M | $207M | $183M | $126M | $105M | $100M | $98M | $74M | $59M | $54M | |
| Pretax Income | $55M | $37M | $51M | $47M | $48M | $37M | $40M | $17M | $22M | $24M | |
| Income Tax | $9M | $5M | $8M | $8M | $8M | $5M | $6M | $3M | $6M | $7M | |
| Net Income | $46M | $32M | $43M | $39M | $41M | $32M | $34M | $14M | $16M | $17M | |
| EPS (Basic) | $2.64 | $2.01 | $2.73 | $2.60 | $2.63 | $2.00 | $2.12 | $1.10 | $1.48 | $1.96 | |
| EPS (Diluted) | $2.64 | $2.01 | $2.73 | $2.60 | $2.63 | $2.00 | $2.01 | $1.02 | $1.28 | $1.57 | |
| Shares (Basic) | 17,421,400 | 15,391,739 | 15,154,767 | 14,970,630 | 15,343,215 | 16,080,863 | 15,612,868 | 11,971,786 | 9,906,856 | 8,010,399 | |
| Shares (Diluted) | 17,421,400 | 15,391,739 | 15,154,767 | 14,970,630 | 15,343,215 | 16,080,863 | 16,851,740 | 13,855,707 | 12,352,616 | 10,950,961 |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| PP&E (Net) | $41M | $47M | $57M | $64M | $22M | $23M | $23M | $22M | $18M | $18M | |
| PP&E (Gross) | $126M | $132M | $125M | $106M | $60M | $59M | $57M | $54M | $43M | $41M | |
| Accum. Depreciation | $86M | $85M | $69M | $42M | $38M | $36M | $34M | $32M | $26M | $24M | |
| Goodwill | $130M | $126M | $126M | $126M | $77M | $77M | $77M | $77M | $27M | $27M | |
| Intangibles | $13M | $8M | $10M | $11M | $8M | $8M | $8M | $9M | $1M | $2M | |
| Total Assets | $4.34B | $4.10B | $3.86B | $3.64B | $3.01B | $2.77B | $2.31B | $2.14B | $1.53B | $1.38B | |
| Total Liabilities | $3.79B | $3.71B | $3.49B | $3.30B | $2.66B | $2.42B | $1.98B | $1.84B | $1.34B | $1.24B | |
| Common Stock | $420M | $312M | $311M | $310M | $278M | $277M | $276M | $267M | $154M | $119M | |
| Retained Earnings | $240M | $205M | $184M | $156M | $126M | $93M | $68M | $41M | $32M | $19M | |
| Treasury Stock | $76M | $76M | $75M | $74M | $57M | $35M | $21M | $17M | $17M | $17M | |
| AOCI | $-40M | $-53M | $-48M | $-58M | $9M | $15M | $7M | $-1M | $-1M | $-2M | |
| Stockholders' Equity | $543M | $389M | $372M | $329M | $355M | $350M | $330M | $299M | $184M | $138M | |
| Liabilities + Equity | $4.34B | $4.10B | $3.86B | $3.64B | $3.01B | $2.77B | $2.31B | $2.14B | $1.53B | $1.38B |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Stock-based Comp | $852.0K | $871.0K | $984.0K | $819.0K | $702.0K | $617.0K | $531.0K | $428.0K | $426.0K | $323.0K | |
| Deferred Tax | · | $-2M | $-675.0K | $483.0K | $1M | $-2M | $663.0K | $151.0K | $435.0K | $170.0K | |
| Amort. of Intangibles | $2M | $1M | $2M | $1M | $890.0K | $913.0K | $945.0K | $366.0K | $586.0K | $699.0K | |
| Operating Cash Flow | $43M | $48M | $63M | $25M | $41M | $33M | $39M | $20M | $21M | $18M | |
| CapEx | $1M | $4M | $3M | $7M | $2M | $2M | $3M | $1M | $1M | $2M | |
| Investing Cash Flow | $56M | $-259M | $-312M | $-410M | $-130M | $-341M | $-151M | $-34M | $-146M | $-64M | |
| Stock Issued | $76M | · | · | · | · | · | · | · | $33M | · | |
| Stock Repurchased | $178.0K | $164.0K | $2M | $17M | $22M | $13M | $4M | · | $4.0K | · | |
| Net Stock Activity | $75M | $-164.0K | $-2M | $-17M | $-22M | $-13M | $-4M | · | $33M | · | |
| Dividends Paid | $12M | $10M | $10M | $8M | $8M | $7M | $7M | $5M | $4M | $3M | |
| Financing Cash Flow | $-85M | $213M | $266M | $164M | $217M | $399M | $117M | $16M | $129M | $47M | |
| Net Change in Cash | $14M | $3M | $17M | $-221M | $127M | $90M | $5M | $2M | $4M | $1M | |
| Taxes Paid | $8M | · | · | · | · | · | · | · | · | · | |
| Free Cash Flow | $42M | $44M | $59M | $19M | $39M | $30M | $36M | $18M | $20M | $15M | |
| Levered FCF | · | · | $11M | $9M | $33M | $21M | $25M | $12M | $17M | $13M |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 242.9% | 165.7% | 141.1% | 160.7% | 206.5% | 190.0% | 190.5% | 92.3% | 22.4% | 25.9% | |
| Pretax Margin | 290.4% | 191.3% | 166.2% | 191.7% | 242.2% | 219.1% | 222.5% | 109.6% | 31.4% | 35.9% | |
| ROA | 1.1% | 0.80% | 1.1% | 1.2% | 1.4% | 1.3% | 1.5% | 0.77% | 1.1% | 1.3% | |
| ROE | 9.8% | 8.1% | 12.2% | 12.4% | 11.5% | 9.3% | 10.3% | 4.8% | 9.9% | 13.1% |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue / Share | $1.09 | $1.24 | $2.01 | $1.64 | $1.28 | $1.05 | $1.06 | $1.11 | $5.73 | $6.06 | |
| Cash Flow / Share | $2.48 | $3.13 | $4.14 | $1.68 | $2.66 | $2.00 | $2.35 | $1.44 | $1.69 | $1.62 | |
| Dividend Paid / Share | · | · | · | · | · | · | · | · | · | $0.22 | |
| EPS (TTM) | $2.64 | $2.01 | $2.73 | $2.60 | $2.63 | $2.00 | $2.01 | $1.02 | $1.28 | $1.57 |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | -0.52% | -37.2% | 24.1% | 25.0% | 15.9% | · | · | · | · | · | |
| Revenue CAGR 3Y | -8.1% | -0.88% | 21.6% | · | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 2.3% | · | · | · | · | · | · | · | · | · | |
| EPS YoY | 31.3% | -26.4% | 5.0% | -1.1% | 31.5% | · | · | · | · | · | |
| EPS CAGR 3Y | 0.51% | -8.6% | 10.9% | · | · | · | · | · | · | · | |
| EPS CAGR 5Y | 5.7% | · | · | · | · | · | · | · | · | · | |
| Net Income YoY | 45.9% | -26.3% | 9.0% | -2.8% | 25.9% | · | · | · | · | · | |
| Net Income CAGR 3Y | 5.4% | -7.9% | 10.1% | · | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 7.5% | · | · | · | · | · | · | · | · | · | |
| Dividends Paid CAGR 5Y | 10.7% | · | · | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $19M | $19M | $30M | $25M | $20M | $17M | $18M | $15M | $14M | $13M | |
| Net Income TTM | $46M | $32M | $43M | $39M | $41M | $32M | $34M | $14M | $16M | $17M | |
| P/E | 8.4 | 10.5 | 6.8 | 8.5 | 9.3 | 8.8 | 11.9 | 17.1 | 17.2 | 12.4 | |
| Earnings Yield | 11.9% | 9.6% | 14.8% | 11.8% | 10.8% | 11.4% | 8.4% | 5.9% | 5.8% | 8.1% | |
| Payout Ratio | 25.6% | 31.8% | 22.3% | 21.5% | 19.8% | 22.1% | 21.2% | 33.6% | 23.2% | 18.9% | |
| Annual Payout | $12M | $10M | $10M | $8M | $8M | $7M | $7M | $5M | $4M | $3M |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $6M | $5M | $3M | $6M | $5M | $5M | $2M | $5M | $6M | $6M | $9M | $5M | $6M | $10M | $9M | $5M | |
| Interest Expense | · | · | · | · | · | · | · | · | $23M | $22M | · | $14M | $13M | $10M | · | $2M | |
| Interest Income | $57M | $56M | $56M | $55M | $56M | $54M | $53M | $53M | $51M | $50M | $49M | $47M | $45M | $43M | $43M | $33M | |
| Pretax Income | $17M | $18M | $15M | $16M | $13M | $12M | $11M | $10M | $8M | $7M | $11M | $12M | $12M | $15M | $15M | $13M | |
| Income Tax | $3M | $3M | $2M | $3M | $2M | $2M | $1M | $2M | $1M | $835.0K | $2M | $2M | $2M | $3M | $2M | $2M | |
| Net Income | $14M | $15M | $12M | $13M | $11M | $10M | $10M | $8M | $7M | $6M | $10M | $10M | $10M | $13M | $12M | $11M | |
| EPS (Basic) | $0.69 | $0.72 | $0.59 | $0.68 | $0.71 | $0.66 | $0.62 | $0.53 | $0.45 | $0.41 | $0.61 | $0.66 | $0.64 | $0.82 | $0.78 | $0.72 | |
| EPS (Diluted) | $0.69 | $0.72 | $0.59 | $0.68 | $0.71 | $0.66 | $0.62 | $0.53 | $0.45 | $0.41 | $0.61 | $0.66 | $0.64 | $0.82 | $0.78 | $0.72 | |
| Shares (Basic) | 20,707,095 | 20,706,330 | · | 18,675,864 | 15,427,798 | 15,422,102 | · | 15,404,435 | 15,137,337 | 15,134,619 | · | 15,146,292 | 15,187,097 | 15,179,210 | · | 15,323,294 | |
| Shares (Diluted) | · | · | · | · | · | · | · | · | · | · | · | · | · | · | · | 15,323,294 |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PP&E (Net) | $37M | $39M | $41M | $41M | $43M | $45M | $47M | $50M | $52M | $54M | · | $59M | $61M | $62M | · | $30M | |
| PP&E (Gross) | · | · | $126M | · | · | · | $132M | · | · | · | · | · | · | · | · | · | |
| Accum. Depreciation | · | · | $86M | · | · | · | $85M | · | · | · | · | · | · | · | · | · | |
| Goodwill | $130M | $130M | $130M | $126M | $126M | $126M | $126M | $126M | $126M | $126M | · | $125M | $125M | $125M | · | $102M | |
| Intangibles | $12M | $12M | $13M | $7M | $7M | $8M | $8M | $8M | $9M | $9M | · | $10M | $10M | $11M | · | $12M | |
| Total Assets | $4.29B | $4.30B | $4.34B | $4.11B | $4.19B | $4.15B | $4.10B | $4.06B | $4.01B | $3.88B | · | $3.73B | $3.62B | $3.58B | · | $3.24B | |
| Total Liabilities | $3.73B | $3.75B | $3.79B | $3.61B | $3.78B | $3.75B | $3.71B | $3.67B | $3.64B | $3.51B | · | $3.40B | $3.27B | $3.24B | · | $2.94B | |
| Common Stock | $421M | $420M | $420M | $388M | $313M | $312M | $312M | $312M | $312M | $311M | · | $311M | $311M | $310M | · | $300M | |
| Retained Earnings | $262M | $251M | $240M | $231M | $221M | $213M | $205M | $198M | $192M | $188M | · | $177M | $169M | $161M | · | $147M | |
| Treasury Stock | $76M | $76M | $76M | $76M | $76M | $76M | $76M | $76M | $76M | $76M | · | $75M | $74M | $74M | · | $74M | |
| AOCI | $-40M | $-43M | $-40M | $-44M | $-54M | $-52M | $-53M | $-40M | $-54M | $-54M | · | $-79M | $-56M | $-50M | · | $-70M | |
| Stockholders' Equity | $567M | $552M | $543M | $499M | $404M | $397M | $389M | $394M | $374M | $370M | $372M | $333M | $350M | $348M | $335M | $303M | |
| Liabilities + Equity | $4.29B | $4.30B | $4.34B | $4.11B | $4.19B | $4.15B | $4.10B | $4.06B | $4.01B | $3.88B | · | $3.73B | $3.62B | $3.58B | · | $3.24B |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Amort. of Intangibles | $696.0K | $696.0K | $576.0K | $318.0K | $338.0K | $332.0K | $364.0K | $363.0K | $366.0K | $391.0K | $384.0K | $398.0K | $399.0K | $398.0K | $406.0K | $456.0K | |
| Operating Cash Flow | $17M | $12M | $10M | $19M | $11M | $4M | $22M | $13M | $12M | $752.0K | $2M | $21M | $19M | $20M | $-2M | $-20M | |
| CapEx | · | · | · | · | · | $161.0K | · | · | · | $123.0K | $1M | $806.0K | $113.0K | $1M | $3M | $536.0K | |
| Investing Cash Flow | $-14M | $38M | $66M | $66M | $-55M | $-21M | $-71M | $-23M | $-130M | $-34M | $-95M | $-131M | $-47M | $-39M | $-203M | $-113M | |
| Stock Issued | · | · | $0 | · | · | · | · | · | · | · | · | · | · | · | · | · | |
| Stock Repurchased | $0 | $318.0K | $4.0K | $7.0K | $0 | $167.0K | $0 | $12.0K | $0 | $152.0K | $10.0K | $1M | $0 | $121.0K | $153.0K | $6M | |
| Net Stock Activity | · | $-318.0K | · | · | · | $-167.0K | · | · | · | $-152.0K | · | · | · | $-121.0K | · | · | |
| Dividends Paid | $4M | $4M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $2M | $2M | $2M | $2M | |
| Financing Cash Flow | $-25M | $-44M | $-61M | $-96M | $27M | $45M | $38M | $29M | $123M | $23M | $103M | $119M | $16M | $28M | $207M | $-59M | |
| Net Change in Cash | $-22M | $6M | $15M | $-11M | $-17M | $27M | $-12M | $19M | $5M | $-10M | $10M | $9M | $-11M | $9M | $2M | $-192M | |
| Free Cash Flow | · | · | · | · | · | $3M | · | · | · | $629.0K | · | · | · | $19M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $-19M | · | · | · | $11M | · | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 252.9% | 311.3% | · | 206.4% | 215.7% | 212.0% | · | 161.1% | 122.0% | 112.1% | · | 202.9% | 163.5% | 124.5% | · | 233.4% | |
| Pretax Margin | 303.5% | 374.0% | · | 253.2% | 252.5% | 249.0% | · | 190.9% | 139.6% | 126.9% | · | 239.2% | 190.9% | 148.9% | · | 279.7% | |
| ROA | 0.34% | 0.35% | · | 0.31% | 0.27% | 0.25% | · | 0.21% | 0.19% | 0.17% | · | 0.30% | 0.30% | 0.38% | · | 0.36% | |
| ROE | 2.9% | 3.2% | · | 2.9% | 2.8% | 2.6% | · | 2.3% | 1.9% | 1.8% | · | 3.3% | 3.1% | 3.8% | · | 3.4% |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue / Share | · | · | · | · | · | · | · | · | · | · | · | · | · | · | · | $0.31 | |
| EPS (TTM) | $2.68 | $2.70 | · | $2.67 | $2.52 | $2.26 | · | $2.00 | $2.13 | $2.32 | · | $2.90 | $2.96 | $2.85 | · | $2.54 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $20M | $19M | · | $19M | $18M | $18M | · | $25M | $25M | $26M | · | $30M | $30M | $29M | · | $20M | |
| Net Income TTM | $54M | $51M | · | $44M | $39M | $35M | · | $31M | $33M | $36M | · | $45M | $46M | $44M | · | $38M | |
| P/E | 10.5 | 8.4 | · | 7.6 | 9.2 | 8.6 | · | 8.9 | 7.3 | 6.6 | · | 5.3 | 5.9 | 5.9 | · | 8.2 | |
| Earnings Yield | 9.5% | 11.8% | · | 13.2% | 10.9% | 11.6% | · | 11.2% | 13.8% | 15.1% | · | 18.7% | 17.0% | 16.9% | · | 12.2% | |
| Payout Ratio | · | 24.9% | · | · | · | 25.9% | · | · | · | 39.5% | · | · | · | 17.1% | · | · | |
| Annual Payout | $14M | $13M | · | $11M | $10M | $10M | · | $10M | $10M | $10M | · | $9M | $9M | $9M | · | $8M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Revenue | $19M | $19M | $30M | $25M | $20M |
| Net Income | $46M | $32M | $43M | $39M | $41M |
| Diluted EPS | $2.64 | $2.01 | $2.73 | $2.60 | $2.63 |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Free Cash Flow | $42M | $44M | $59M | $19M | $39M |
Institutional owners (13F) 154 filers · $400.4M total · As of Sept. 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
154
Value held
$400.4M
New positions
28
Exited positions
8
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 28 (+13 vs prior Q) | 8 (-5 vs prior Q) | 58 (+10 vs prior Q) | 39 (-4 vs prior Q) | +249K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| BlackRock, Inc. | $48,042,743 | 1,702,436 | 12.00% | Shares |
| WELLINGTON MANAGEMENT GROUP LLP | $35,530,814 | 1,259,065 | 8.87% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $28,932,914 | 1,025,247 | 7.23% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $24,979,272 | 885,162 | 6.24% | Shares |
| VANGUARD GROUP INC | $24,464,042 | 1,100,992 | 6.11% | Shares |
| ALLIANCEBERNSTEIN L.P. | $20,490,694 | 899,109 | 5.12% | Shares |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $16,110,205 | 570,879 | 4.02% | Shares |
| STATE STREET CORP | $15,675,787 | 555,485 | 3.92% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $15,469,633 | 548,033 | 3.86% | Shares |
| ENDEAVOUR CAPITAL ADVISORS INC | $14,572,131 | 516,376 | 3.64% | Shares |
| ROYCE & ASSOCIATES LP | $11,045,788 | 391,417 | 2.76% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $8,207,335 | 290,834 | 2.05% | Shares |
| HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC | $7,760,726 | 275,008 | 1.94% | Shares |
| MENDON CAPITAL ADVISORS CORP | $7,570,833 | 268,279 | 1.89% | Shares |
| Curi Capital, LLC | $7,085,760 | 251,090 | 1.77% | Shares |
| AMERICAN CENTURY COMPANIES INC | $6,252,621 | 221,567 | 1.56% | Shares |
| GOLDMAN SACHS GROUP INC | $5,833,553 | 206,717 | 1.46% | Shares |
| NORTHERN TRUST CORP | $5,419,680 | 192,051 | 1.35% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $4,756,783 | 168,561 | 1.19% | Shares |
| BEESE FULMER INVESTMENT MANAGEMENT, INC. | $4,413,156 | 156,384 | 1.10% | Shares |
| MORGAN STANLEY | $4,299,828 | 152,368 | 1.07% | Shares |
| Summit Financial Strategies, Inc. | $4,024,567 | 142,614 | 1.01% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $3,882,649 | 137,585 | 0.97% | Shares |
| RITHOLTZ WEALTH MANAGEMENT | $3,852,538 | 136,518 | 0.96% | Shares |
| Stieven Capital Advisors, L.P. | $3,582,614 | 126,953 | 0.89% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $3,428,420 | 121,489 | 0.86% | Shares |
| Hillsdale Investment Management Inc. | $3,318,982 | 117,611 | 0.83% | Shares |
| Knights of Columbus Asset Advisors LLC | $3,284,610 | 116,393 | 0.82% | Shares |
| FORT WASHINGTON INVESTMENT ADVISORS INC /OH/ | $3,002,439 | 106,394 | 0.75% | Shares |
| TWO SIGMA INVESTMENTS, LP | $2,834,191 | 100,432 | 0.71% | Shares |
| Empowered Funds, LLC | $2,510,621 | 88,966 | 0.63% | Shares |
| Bank of New York Mellon Corp | $2,322,835 | 82,312 | 0.58% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $2,212,730 | 78,410 | 0.55% | Shares |
| FIRST TRUST ADVISORS LP | $2,156,290 | 76,410 | 0.54% | Shares |
| PRUDENTIAL FINANCIAL INC | $1,922,346 | 68,120 | 0.48% | Shares |
| Elizabeth Park Capital Advisors, Ltd. | $1,718,344 | 60,891 | 0.43% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $1,673,559 | 59,304 | 0.42% | Shares |
| Pinnacle Holdings, LLC | $1,662,722 | 58,920 | 0.42% | Shares |
| MARTINGALE ASSET MANAGEMENT L P | $1,587,517 | 56,255 | 0.40% | Shares |
| Quantinno Capital Management LP | $1,235,259 | 43,772 | 0.31% | Shares |
| Fisher Asset Management, LLC | $1,225,622 | 43,431 | 0.31% | Shares |
| VICTORY CAPITAL MANAGEMENT INC | $1,199,350 | 42,500 | 0.30% | Shares |
| BLAIR WILLIAM & CO/IL | $1,188,683 | 42,122 | 0.30% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $1,043,124 | 36,964 | 0.26% | Shares |
| Nuveen, LLC | $1,031,130 | 36,539 | 0.26% | Shares |
| BANK OF AMERICA CORP /DE/ | $1,003,531 | 35,561 | 0.25% | Shares |
| BARCLAYS PLC | $1,000,681 | 35,460 | 0.25% | Shares |
| STATE OF WISCONSIN INVESTMENT BOARD | $870,361 | 30,842 | 0.22% | Shares |
| AMERIPRISE FINANCIAL INC | $847,949 | 30,048 | 0.21% | Shares |
| Connor, Clark & Lunn Investment Management Ltd. | $769,729 | 27,276 | 0.19% | Shares |
Company insiders 61 insiders · 21 officers · 22 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Dennis G Shaffer | CEO | Feb. 24, 2026 J | 1,524 | 0 | 0 | $0 |
| Ian Whinnem | SVP/CFO | March 11, 2026 A | 6,067 | 0 | 0 | $0 |
| Charles A. Parcher | President | Sept. 23, 2026 P | 3,150 | 2 | 0 | $10,700 |
| Robert L Katitus | SVP/CLO | March 11, 2026 A | 8,463 | 0 | 0 | $0 |
| Russell L Edwards JR | Senior Vice President | March 11, 2026 A | 4,855 | 0 | 0 | $0 |
| Carl A Kessler III | Senior Vice President | March 11, 2026 A | 7,248 | 0 | 0 | $0 |
| Robert L Curry JR | Senior Vice President | March 11, 2026 A | 3,695 | 0 | 0 | $0 |
| Donna M. Waltz-Jaskolski | Senior Vice President | March 11, 2026 A | 6,075 | 0 | 0 | $0 |
| Lance A. Morrison | SVP, Legal Counsel | March 11, 2026 A | 7,129 | 0 | 0 | $0 |
| Michael D. Mulford | Senior Vice President | March 11, 2026 A | 2,365 | 0 | 0 | $0 |
| Todd A Michel | Senior Vice President | Jan. 2, 2024 F | 7,344 | 0 | 0 | $0 |
| Paul J Stark | Senior Vice President | March 14, 2023 A | 8,936 | 0 | 0 | $0 |
| John A Betts | Senior Vice President | Oct. 22, 2021 D | 2,271 | 0 | 0 | $0 |
| James E Mcgookey | Senior Vice President | April 10, 2018 A | 5,844 | 0 | 0 | $0 |
| Michael J Milchen | Sr Vice President | Dec. 19, 2013 P | 1,000 | 0 | 0 | $0 |
| Robert Lincoln Cox | Sr Vice President | Dec. 19, 2013 P | 40 | 0 | 0 | $0 |
| Leroy C Link | Senior Vice President | July 31, 2012 P | 1,149 | 0 | 0 | $0 |
| Dennis J Guerra | Sr Vice President | Dec. 21, 2010 P | 1,346 | 0 | 0 | $0 |
| Bruce A Bravard | Senior VP | May 13, 2010 P | 1,112 | 0 | 0 | $0 |
| Donna J Dalferro | Corporate Secretary | June 18, 2009 P | 3,549 | 0 | 0 | $0 |
| Charles C Riesterer | Senior Vice President | Feb. 18, 2009 P | 100 | 0 | 0 | $0 |
| Mark J. Macioce | Director | July 29, 2026 D | 332 | 0 | 0 | $0 |
| Darci L Congrove | Director | June 8, 2026 A | 4,862 | 0 | 0 | $0 |
| Lorina W Wise | Director | June 8, 2026 A | 4,549 | 0 | 0 | $0 |
| Julie A Mattlin | Director | June 8, 2026 A | 14,679 | 0 | 0 | $0 |
| Harry Singer | Director | June 8, 2026 A | 13,646 | 0 | 0 | $0 |
| Mary Patricia Oliver | Director | June 8, 2026 A | 8,851 | 0 | 0 | $0 |
| Dennis E Murray Jr | Director | Feb. 18, 2025 J | 17,807 | 0 | 0 | $0 |
| James O Miller | Director | June 10, 2024 A | 966 | 0 | 0 | $0 |
| Allen R Nickles | Director | May 8, 2023 A | 909 | 0 | 0 | $0 |
| Daniel J White | Director | March 1, 2023 A | 4 | 0 | 0 | $0 |
| William F Ritzmann | Director | May 25, 2022 A | 24,715 | 0 | 0 | $0 |
| Thomas A Depler | Director | May 27, 2021 A | 628 | 0 | 0 | $0 |
| Allen R Maurice | Director | May 15, 2018 A | 3,880 | 0 | 0 | $0 |
| John William Springer | Director | May 16, 2017 A | 1,722 | 0 | 0 | $0 |
| William Patrick Murray | Director | Feb. 3, 2015 P | 35,781 | 0 | 0 | $0 |
| John P Pheiffer | Director | March 26, 2013 S | 7,631 | 0 | 0 | $0 |
| Michael J Close | Director | Jan. 17, 2013 P | 6,200 | 0 | 0 | $0 |
| George J Williams | Director | Nov. 23, 2009 P | 37,500 | 0 | 0 | $0 |
| Laurence A Bettcher | Director | June 22, 2007 P | 28,450 | 0 | 0 | $0 |
| Robert L Ransom | Director | April 4, 2006 P | 700 | 0 | 0 | $0 |
| Robert L Bordner | Director | Feb. 24, 2006 J | 5,273 | 0 | 0 | $0 |
| Veronica G Doucette | · | Aug. 7, 2026 D | 1,175 | 0 | 0 | $0 |
| Nathan E Weaks | · | June 8, 2026 A | 4,549 | 1 | 0 | $21,490 |
| Clyde A Perfect JR | · | June 8, 2026 A | 3,203 | 0 | 0 | $0 |
| Gerald B Wurm | · | June 8, 2026 A | 4,112 | 0 | 0 | $0 |
| Richard J Dutton | · | March 11, 2026 A | 24,840 | 0 | 0 | $0 |
| John O Bacon | · | Feb. 21, 2024 A | 1,784 | 0 | 0 | $0 |
| Barry W Boerger | · | March 1, 2023 J | 5,604 | 0 | 0 | $0 |
| Elmer G Mclaughlin | · | March 15, 2022 G | 22,481 | 0 | 0 | $0 |
| Blythe A Friedley | · | May 27, 2021 A | 4,525 | 0 | 0 | $0 |
| Michael W Mclaughlin | · | Feb. 20, 2019 S | 24,589 | 0 | 0 | $0 |
| George E Steinemann | · | May 18, 2017 P | 4,550 | 0 | 0 | $0 |
| David A Voight | · | May 18, 2017 J | 2,248 | 0 | 0 | $0 |
| Lisa M Stein | · | May 16, 2017 A | 1,722 | 0 | 0 | $0 |
| Margaret A Murray | · | May 1, 2017 J | 93,656 | 0 | 0 | $0 |
| James D Heckelman | · | May 1, 2017 J | 2,850 | 0 | 0 | $0 |
| James L Nabors | · | Dec. 19, 2013 P | 40 | 0 | 0 | $0 |
| Richard A Weidrick | · | Oct. 1, 2009 P | 0 | 0 | 0 | $0 |
| George L Mylander | · | Dec. 20, 2007 P | 403,183 | 0 | 0 | $0 |
| Dorothy L Robey | · | July 1, 2005 S | 56,000 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 25 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.14% | 71,913 SH | Sept. 11, 2026 | Daily |
| DPST · Direxion Shares ETF Trust | 0.05% | 6,888 NS | July 31, 2026 | N-PORT |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.04% | 18,225 SH | Aug. 19, 2026 | Daily |
| DFSV · Dimensional ETF Trust | 0.04% | 104,189 NS | July 31, 2026 | N-PORT |
| IWM · iShares Trust | 0.02% | 573,184 SH | Sept. 11, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.02% | 120,422 SH | Aug. 19, 2026 | Daily |
| DFAT · Dimensional ETF Trust | 0.02% | 99,718 NS | July 31, 2026 | N-PORT |
| RSSL · Global X Funds | 0.02% | 10,004 NS | July 31, 2026 | N-PORT |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.02% | 1,848 SH | Oct. 2, 2026 | Daily |
| DFAS · Dimensional ETF Trust | 0.01% | 74,732 NS | July 31, 2026 | N-PORT |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.01% | 11,698 SH | Oct. 2, 2026 | Daily |
| VXF · VANGUARD INDEX FUNDS | 0.01% | 241,787 SH | Aug. 19, 2026 | Daily |
| VFH · VANGUARD WORLD FUND | 0.01% | 33,055 SH | Aug. 19, 2026 | Daily |
| DXUV · Dimensional ETF Trust | 0.00% | 788 NS | July 31, 2026 | N-PORT |
| PFM · Invesco Exchange-Traded Fund Trust | 0.00% | 592 SH | Sept. 28, 2026 | Daily |
| DFAC · Dimensional ETF Trust | 0.00% | 33,008 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 2,265 NS | July 31, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 6,019 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 920 NS | July 31, 2026 | N-PORT |
| IWV · iShares Trust | 0.00% | 6,206 SH | Sept. 3, 2026 | Daily |
| DFUS · Dimensional ETF Trust | 0.00% | 5,245 NS | July 31, 2026 | N-PORT |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 624,463 SH | Aug. 19, 2026 | Daily |
| VIG · VANGUARD SPECIALIZED FUNDS | 0.00% | 117,380 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 1,752 SH | Aug. 19, 2026 | Daily |
| IWN · iShares Trust | · | 209,031 SH | Sept. 11, 2026 | Daily |
CIVB Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 12 analysts
BUY
Median target
$31.00
+14.9%
2 16.7%
Strong Buy
6 50.0%
Buy
4 33.3%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
6 analysts · 2026-09-28Mean target $31.17 +15.5%
← Below all targets
Current price $26.98
Low$29.00
Mean$31.17
High$33.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| CIVB | · | 8.4 | -0.52% | 242.9% | 9.8% | · |
| KRNY | $611M | 16.6 | · | 20.4% | 4.8% | · |
| FBIZ | $452M | 9.1 | 9.9% | 29.8% | 14.1% | · |
| GCBC | $572M | 13.9 | 22.9% | 44.3% | 15.3% | · |
| BWB | $487M | 11.8 | 30.8% | 32.1% | 9.3% | · |
| SFST | $423M | 13.8 | 13.0% | 483.4% | 8.5% | · |
| UNTY | $516M | 9.1 | 23.1% | 44.0% | 18.1% | · |
| NRIM | $588M | 9.3 | 30.4% | 25.3% | 20.9% | 81.7% |
| BSVN | $388M | 9.1 | -1.1% | 44.7% | 18.6% | · |
| HBCP | $453M | 9.8 | 10.2% | 31.0% | 10.9% | · |
| NPB | $579M | 8.0 | 29.2% | 34.5% | 14.2% | · |
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Source: SEC 10-Q filed Aug 6, 2026