CIVB Civista Bancshares, Inc. - Common Stock
$28.34
Price · Aug 18, 2026
Fundamentals as of Aug 6, 2026
52W Range
$20–$30
84% of range
Analyst Rating
BUY
12 analysts
Price Target
$31
+10% upside
P/E (TTM)
8.4
ROE
9.8%
Net Profit Margin
242.9%
CIVB Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$28.34
Market Cap
—
P/E (TTM)
8.4
EPS (TTM)
$2.64
Revenue (TTM)
$19M
Div Yield
—
ROE
9.8%
Debt/Equity
—
52W Range
$20 – $30
CIVB Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue & Net Income
$19M
2016-12-31
→
2025-12-31
EPS
$2.64
2016-12-31
→
2025-12-31
Free Cash Flow
$42M
2016-12-31
→
2025-12-31
Margins
242.9%
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
Metric
5Y trend
CIVB
Peer Median
P/E (TTM)
8.4
11.2
Profitability Gross, operating and net margins; ROE, ROA, ROIC
Metric
5Y trend
CIVB
Peer Median
Net Profit Margin
242.9%
26.9%
ROA
1.1%
1.3%
ROE
9.8%
12.4%
Financial Health Debt, liquidity, solvency — balance sheet strength
Metric
5Y trend
CIVB
Peer Median
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
Metric
5Y trend
CIVB
Peer Median
Revenue YoY
-0.52%
—
Revenue CAGR 3Y
-8.1%
—
Revenue CAGR 5Y
2.3%
—
EPS YoY
31.3%
—
Net Income YoY
45.9%
—
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
Metric
5Y trend
CIVB
Peer Median
Payout Ratio
25.6%
—
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield
—
Payout Ratio
25.6%
5Y Div CAGR
—
| Ex-date | Amount |
|---|---|
| Aug. 4, 2026 | $0.1800 |
| May 5, 2026 | $0.1800 |
| Feb. 10, 2026 | $0.1800 |
| Nov. 4, 2025 | $0.1700 |
| Aug. 5, 2025 | $0.1700 |
| April 29, 2025 | $0.1700 |
| Feb. 4, 2025 | $0.1700 |
| Nov. 5, 2024 | $0.1600 |
| Aug. 6, 2024 | $0.1600 |
| May 6, 2024 | $0.1600 |
| Feb. 12, 2024 | $0.1600 |
| Nov. 6, 2023 | $0.1600 |
| Aug. 7, 2023 | $0.1600 |
| May 8, 2023 | $0.1500 |
| Feb. 13, 2023 | $0.1400 |
| Nov. 7, 2022 | $0.1400 |
| Aug. 8, 2022 | $0.1400 |
| May 9, 2022 | $0.1400 |
| Feb. 14, 2022 | $0.1400 |
| Oct. 18, 2021 | $0.1400 |
CIVB Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
BUY
12 analysts
- Strong Buy 2 16.7%
- Buy 6 50.0%
- Hold 4 33.3%
- Sell 0 0.0%
- Strong Sell 0 0.0%
12-Month Price Target
6 analysts · 2026-08-17
Median
$31.00
← Below all targets
$28.34
Low
$29.00
High
$33.00
Median target
$31.00
+9.4%
Mean target
$31.17
+10.0%
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
0.09%
| Period | EPS Actual | EPS Est | Surprise |
|---|---|---|---|
| June 30, 2026 | $0.69 | $0.62 | 0.07% |
| March 31, 2026 | $0.72 | $0.63 | 0.09% |
| Dec. 31, 2025 | $0.75 | $0.58 | 0.17% |
| Sept. 30, 2025 | $0.68 | $0.61 | 0.07% |
| June 30, 2025 | $0.71 | $0.71 | 0.00% |
| March 31, 2025 | $0.66 | $0.53 | 0.13% |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| CIVB | — | 8.4 | -0.52% | 242.9% | 9.8% | — |
| SFST | $423M | 13.8 | 13.0% | 483.4% | 8.5% | — |
| NRIM | $588M | 9.3 | 30.4% | 25.3% | 20.9% | 81.7% |
| NPB | $579M | 8.0 | 29.2% | 34.5% | 14.2% | — |
| FBIZ | $452M | 9.1 | 9.9% | 29.8% | 14.1% | — |
| GCBC | $378M | 12.1 | 16.1% | 41.3% | 13.6% | — |
| HBCP | $453M | 9.8 | 10.2% | 31.0% | 10.9% | — |
| BWFG | $362M | 10.3 | 44.0% | 1245.5% | 12.0% | — |
| BSRR | $434M | 10.5 | 2.5% | 27.3% | 11.8% | — |
| OBT | $382M | 8.6 | 18.1% | 32.7% | 15.5% | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement 10
| 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 13
| 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 15
| 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 4
| 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 1
| 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 |
Growth Rates 10
| 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% | · | · | · | · | · | · | · | · | · | |
| Dividend CAGR 5Y | 10.7% | · | · | · | · | · | · | · | · | · |
Valuation (TTM) 6
| 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 10
| 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 | -32,104,364 | 18,675,864 | 15,427,798 | 15,422,102 | -30,284,652 | 15,404,435 | 15,137,337 | 15,134,619 | -30,357,832 | 15,146,292 | 15,187,097 | 15,179,210 | -29,746,819 | 15,323,294 | |
| Shares (Diluted) | · | · | · | · | · | · | · | · | · | · | · | · | · | · | -29,746,819 | 15,323,294 |
Balance Sheet 13
| 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 12
| 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 4
| 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 1
| 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 |
Valuation (TTM) 5
| 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 | $22M | $21M | · | $21M | $21M | $21M | · | $22M | $23M | $27M | · | $26M | $26M | $26M | · | $20M | |
| Net Income TTM | $53M | $49M | · | $42M | $37M | $32M | · | $32M | $34M | $40M | · | $44M | $42M | $40M | · | $37M | |
| P/E | 10.1 | 8.2 | · | 7.9 | 9.9 | 9.5 | · | 8.7 | 7.2 | 6.1 | · | 5.5 | 6.4 | 6.4 | · | 8.4 | |
| Earnings Yield | 9.9% | 12.2% | · | 12.7% | 10.1% | 10.5% | · | 11.5% | 13.9% | 16.4% | · | 18.3% | 15.6% | 15.6% | · | 11.8% | |
| Payout Ratio | · | 24.9% | · | · | · | 25.9% | · | · | · | 39.5% | · | · | · | 17.1% | · | · |
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
Income Statement
| 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 |
Cash Flow
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Free Cash Flow | $42M | $44M | $59M | $19M | $39M |
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Institutional owners (13F) 156 filers · $319.3M total · As of June 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.
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 33 (+22 vs prior Q) | 8 (-5 vs prior Q) | 48 (+2 vs prior Q) | 43 (+1 vs prior Q) | +1.0M |
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 |
|---|---|---|---|---|
| WELLINGTON MANAGEMENT GROUP LLP | $35,530,814 | 1,259,065 | 11.13% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $27,768,198 | 983,990 | 8.70% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $24,979,272 | 885,162 | 7.82% | Shares |
| VANGUARD GROUP INC | $21,418,680 | 963,937 | 6.71% | Shares |
| ALLIANCEBERNSTEIN L.P. | $20,490,694 | 899,109 | 6.42% | Shares |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $16,110,205 | 570,879 | 5.05% | Shares |
| STATE STREET CORP | $15,675,787 | 555,485 | 4.91% | Shares |
| ENDEAVOUR CAPITAL ADVISORS INC | $14,572,131 | 516,376 | 4.56% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $13,278,322 | 470,382 | 4.16% | Shares |
| ROYCE & ASSOCIATES LP | $11,045,788 | 391,417 | 3.46% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $8,207,335 | 290,834 | 2.57% | Shares |
| HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC | $7,760,726 | 275,008 | 2.43% | Shares |
| Curi Capital, LLC | $7,085,760 | 251,090 | 2.22% | Shares |
| AMERICAN CENTURY COMPANIES INC | $6,252,621 | 221,567 | 1.96% | Shares |
| BEESE FULMER INVESTMENT MANAGEMENT, INC. | $4,413,156 | 156,384 | 1.38% | Shares |
| Summit Financial Strategies, Inc. | $4,024,567 | 142,614 | 1.26% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $3,882,649 | 137,585 | 1.22% | Shares |
| RITHOLTZ WEALTH MANAGEMENT | $3,852,538 | 136,518 | 1.21% | Shares |
| Stieven Capital Advisors, L.P. | $3,582,614 | 126,953 | 1.12% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $3,428,420 | 121,489 | 1.07% | Shares |
| Hillsdale Investment Management Inc. | $3,318,982 | 117,611 | 1.04% | Shares |
| Knights of Columbus Asset Advisors LLC | $3,284,610 | 116,393 | 1.03% | Shares |
| FORT WASHINGTON INVESTMENT ADVISORS INC /OH/ | $3,002,439 | 106,394 | 0.94% | Shares |
| TWO SIGMA INVESTMENTS, LP | $2,834,191 | 100,432 | 0.89% | Shares |
| BlackRock, Inc. | $2,769,341 | 98,134 | 0.87% | Shares |
| Empowered Funds, LLC | $2,510,621 | 88,966 | 0.79% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $2,212,730 | 78,410 | 0.69% | Shares |
| FIRST TRUST ADVISORS LP | $2,156,290 | 76,410 | 0.68% | Shares |
| PRUDENTIAL FINANCIAL INC | $1,922,346 | 68,120 | 0.60% | Shares |
| GOLDMAN SACHS GROUP INC | $1,722,238 | 61,029 | 0.54% | Shares |
| Elizabeth Park Capital Advisors, Ltd. | $1,718,344 | 60,891 | 0.54% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $1,673,559 | 59,304 | 0.52% | Shares |
| Pinnacle Holdings, LLC | $1,662,722 | 58,920 | 0.52% | Shares |
| MARTINGALE ASSET MANAGEMENT L P | $1,587,517 | 56,255 | 0.50% | Shares |
| Bank of New York Mellon Corp | $1,304,328 | 46,220 | 0.41% | Shares |
| Quantinno Capital Management LP | $1,235,259 | 43,772 | 0.39% | Shares |
| Fisher Asset Management, LLC | $1,225,622 | 43,431 | 0.38% | Shares |
| VICTORY CAPITAL MANAGEMENT INC | $1,199,350 | 42,500 | 0.38% | Shares |
| BLAIR WILLIAM & CO/IL | $1,188,683 | 42,122 | 0.37% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $1,043,124 | 36,964 | 0.33% | Shares |
| BANK OF AMERICA CORP /DE/ | $1,003,531 | 35,561 | 0.31% | Shares |
| BARCLAYS PLC | $985,160 | 34,910 | 0.31% | Shares |
| MORGAN STANLEY | $897,285 | 31,796 | 0.28% | Shares |
| STATE OF WISCONSIN INVESTMENT BOARD | $870,361 | 30,842 | 0.27% | Shares |
| Connor, Clark & Lunn Investment Management Ltd. | $769,729 | 27,276 | 0.24% | Shares |
| RHUMBLINE ADVISERS | $743,900 | 26,361 | 0.23% | Shares |
| KESTRA PRIVATE WEALTH SERVICES, LLC | $736,936 | 26,114 | 0.23% | Shares |
| AMERIPRISE FINANCIAL INC | $698,022 | 24,735 | 0.22% | Shares |
| Squarepoint Ops LLC | $669,209 | 23,714 | 0.21% | Shares |
| D. E. Shaw & Co., Inc. | $650,330 | 23,045 | 0.20% | Shares |
| PARK NATIONAL CORP /OH/ | $648,355 | 22,975 | 0.20% | Shares |
| CWS Financial Advisors, LLC | $645,589 | 22,877 | 0.20% | Shares |
| CITADEL ADVISORS LLC | $642,344 | 22,762 | 0.20% | Shares |
| ALPS ADVISORS INC | $635,994 | 22,537 | 0.20% | Shares |
| Trexquant Investment LP | $620,022 | 21,971 | 0.19% | Shares |
| LPL Financial LLC | $616,141 | 21,834 | 0.19% | Shares |
| OCCUDO QUANTITATIVE STRATEGIES LP | $599,562 | 21,246 | 0.19% | Shares |
| DEUTSCHE BANK AG\ | $575,801 | 20,404 | 0.18% | Shares |
| SALZHAUER MICHAEL | $548,032 | 19,420 | 0.17% | Shares |
| TWO SIGMA ADVISERS, LP | $524,392 | 23,600 | 0.16% | Shares |
| WELLS FARGO & COMPANY/MN | $494,048 | 17,507 | 0.15% | Shares |
| Compound Planning, Inc. | $470,512 | 16,673 | 0.15% | Shares |
| VISTA INVESTMENT MANAGEMENT | $453,665 | 16,076 | 0.14% | Shares |
| JACOBS LEVY EQUITY MANAGEMENT, INC | $431,004 | 15,273 | 0.13% | Shares |
| Odyssean, LLC | $430,694 | 15,262 | 0.13% | Shares |
| XTX Topco Ltd | $404,195 | 14,323 | 0.13% | Shares |
| Sanctuary Advisors, LLC | $382,861 | 13,567 | 0.12% | Shares |
| FRANKLIN RESOURCES INC | $375,354 | 13,301 | 0.12% | Shares |
| IEQ CAPITAL, LLC | $353,586 | 12,530 | 0.11% | Shares |
| Man Group plc | $347,670 | 12,320 | 0.11% | Shares |
| MetLife Investment Management, LLC | $333,984 | 11,835 | 0.10% | Shares |
| SEI INVESTMENTS CO | $326,985 | 11,587 | 0.10% | Shares |
| Russell Investments Group, Ltd. | $316,120 | 11,202 | 0.10% | Shares |
| Mariner, LLC | $293,949 | 10,416 | 0.09% | Shares |
| Brandywine Global Investment Management, LLC | $282,216 | 12,701 | 0.09% | Shares |
| MENDON CAPITAL ADVISORS CORP | $282,200 | 10,000 | 0.09% | Shares |
| GENDELL JEFFREY L | $282,200 | 10,000 | 0.09% | Shares |
| Sterling Capital Management LLC | $274,863 | 9,740 | 0.09% | Shares |
| MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. | $271,702 | 9,628 | 0.09% | Shares |
| Schonfeld Strategic Advisors LLC | $254,909 | 9,033 | 0.08% | Shares |
| AlphaQuest LLC | $253,130 | 11,392 | 0.08% | Shares |
| COMMONWEALTH EQUITY SERVICES, LLC | $239,650 | 8,492 | 0.08% | Shares |
| Vanguard Global Advisers, LLC | $236,286 | 8,373 | 0.07% | Shares |
| Invesco Ltd. | $235,581 | 8,348 | 0.07% | Shares |
| ELCO Management Co., LLC | $233,633 | 8,279 | 0.07% | Shares |
| NEW YORK STATE COMMON RETIREMENT FUND | $223,785 | 7,930 | 0.07% | Shares |
| MERCER GLOBAL ADVISORS INC /ADV | $220,031 | 7,797 | 0.07% | Shares |
| JOHNSON INVESTMENT COUNSEL INC | $218,959 | 7,759 | 0.07% | Shares |
| Sequoia Financial Advisors, LLC | $215,827 | 7,648 | 0.07% | Shares |
| Private Advisor Group, LLC | $211,368 | 7,490 | 0.07% | Shares |
| Susquehanna Portfolio Strategies, LLC | $206,796 | 7,328 | 0.06% | Shares |
| Harborfront Financial Group LLC | $206,486 | 7,317 | 0.06% | Shares |
| NATIONS FINANCIAL GROUP INC, /IA/ /ADV | $205,786 | 7,292 | 0.06% | Shares |
| RAYMOND JAMES FINANCIAL INC | $205,667 | 7,288 | 0.06% | Shares |
| KEYBANK NATIONAL ASSOCIATION/OH | $201,773 | 7,150 | 0.06% | Shares |
| CWM, LLC | $185,078 | 8,121 | 0.06% | Shares |
| Police & Firemen's Retirement System of New Jersey | $176,065 | 6,239 | 0.06% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $157,891 | 5,595 | 0.05% | Shares |
| State of Tennessee, Department of Treasury | $151,231 | 5,359 | 0.05% | Shares |
| FEDERATED HERMES, INC. | $96,315 | 3,413 | 0.03% | Shares |
Company insiders 60 insiders · 20 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 | March 11, 2026 A | 25,914 | 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 |
| Russell L Edwards JR | Senior Vice President | March 11, 2025 A | 4,071 | 0 | 0 | $0 |
| Carl A Kessler III | Senior Vice President | March 11, 2025 A | 6,101 | 0 | 0 | $0 |
| Robert L Curry JR | Senior Vice President | March 11, 2025 A | 2,697 | 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 | 3 | 0 | $41,390 |
| 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 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 35 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 |
|---|---|---|---|---|
| BFOR · ALPS ETF Trust | 0.27% | 22,227 NS | May 31, 2026 | N-PORT |
| IWC · iShares Trust | 0.14% | 71,091 SH | Aug. 8, 2026 | Daily |
| GSSC · Goldman Sachs ETF Trust | 0.05% | 19,234 NS | May 31, 2026 | N-PORT |
| IWN · iShares Trust | 0.04% | 208,231 SH | Aug. 8, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.04% | 18,225 SH | Aug. 8, 2026 | Daily |
| AVSC · AMERICAN CENTURY ETF TRUST | 0.04% | 42,522 NS | May 31, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.03% | 78,935 NS | April 30, 2026 | N-PORT |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.02% | 120,422 SH | Aug. 8, 2026 | Daily |
| IWM · iShares Trust | 0.02% | 562,899 SH | Aug. 8, 2026 | Daily |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.02% | 1,857 SH | Aug. 8, 2026 | Daily |
| DFAT · Dimensional ETF Trust | 0.02% | 97,010 NS | April 30, 2026 | N-PORT |
| AVUV · AMERICAN CENTURY ETF TRUST | 0.02% | 166,044 NS | May 31, 2026 | N-PORT |
| RSSL · Global X Funds | 0.02% | 8,835 NS | April 30, 2026 | N-PORT |
| ITWO · ProShares Trust | 0.01% | 962 NS | May 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.01% | 74,732 NS | April 30, 2026 | N-PORT |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.01% | 11,876 SH | Aug. 8, 2026 | Daily |
| VXF · VANGUARD INDEX FUNDS | 0.01% | 241,787 SH | Aug. 8, 2026 | Daily |
| VFH · VANGUARD WORLD FUND | 0.01% | 33,055 SH | Aug. 8, 2026 | Daily |
| UWM · ProShares Trust | 0.01% | 752 NS | May 31, 2026 | N-PORT |
| URTY · ProShares Trust | 0.01% | 762 NS | May 31, 2026 | N-PORT |
| HDG · ProShares Trust | 0.00% | 19 NS | May 31, 2026 | N-PORT |
| MSSM · MORGAN STANLEY PATHWAY FUNDS | 0.00% | 637 NS | May 31, 2026 | N-PORT |
| PFM · Invesco Exchange-Traded Fund Trust | 0.00% | 592 SH | Aug. 8, 2026 | Daily |
| DFAC · Dimensional ETF Trust | 0.00% | 33,008 NS | April 30, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 6,019 NS | April 30, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 1,431 NS | April 30, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 920 NS | April 30, 2026 | N-PORT |
| IWV · iShares Trust | 0.00% | 6,136 SH | Aug. 8, 2026 | Daily |
| AVUS · AMERICAN CENTURY ETF TRUST | 0.00% | 3,136 NS | May 31, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 4,821 NS | April 30, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 12 NS | April 30, 2026 | N-PORT |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 624,463 SH | Aug. 8, 2026 | Daily |
| VIG · VANGUARD SPECIALIZED FUNDS | 0.00% | 117,380 SH | Aug. 8, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 1,752 SH | Aug. 8, 2026 | Daily |
| EBI · RBB Fund Trust | 0.00% | 12 NS | May 31, 2026 | N-PORT |