Civista Bancshares Reports Q1 Net Income of $15.0M
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Apr 22 2026
0mins
Reports Q1 Tangible book value per share was $19.70; and return on average assets improved to 1.41%, compared to 1.00% last year. "Civista reported a solid start to 2026, with Q1 net income of $15.0M, or 72c per diluted share," said Dennis Shaffer, President and CEO of Civista Bancshares. "Results for the quarter reflected continued expansion in net interest margin, disciplined expense management, and stable credit performance, while we proactively managed the balance sheet in a changing operating environment. During the Q1, we continued to optimize our funding mix by reducing higher-cost sources, including brokered deposits and short-term FHLB advances, while growing core deposits," Shaffer said. "These actions contributed to lower funding costs and further strengthened our liquidity profile."
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Analyst Views on CIVB
Wall Street analysts forecast CIVB stock price to fall
2 Analyst Rating
2 Buy
0 Hold
0 Sell
Moderate Buy
Current: 26.520
Low
26.00
Averages
26.50
High
27.00
Current: 26.520
Low
26.00
Averages
26.50
High
27.00
About CIVB
Civista Bancshares, Inc. is a financial holding company. The Company, through its subsidiary, Civista Bank, is engaged in providing full-service banking, commercial lending, mortgage and wealth management services. Civista Bank, through its locations in Ohio counties of Erie, Crawford, Champaign, Cuyahoga, Franklin, Huron, Logan, Madison, Montgomery, Ottawa, Richland, Henry, Wood and Summit, in the Indiana counties of Dearborn and Ripley and in the Kentucky county of Kenton, conducts a general banking business that involves collecting customer deposits, making loans, purchasing securities, and offering Trust services. It is also engaged in a general equipment leasing and financing business through its Civista Leasing & Financing (CLF) division. Civista Wealth Management division offers investment advisory services to individuals, families, businesses, and non-profits with personalized investment management, 401(k) advisory services for employers, financial planning, and trust services.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Civista Bancshares to Release Q2 2026 Financial Results on July 23
- Earnings Release Schedule: Civista Bancshares will issue its Q2 2026 financial results before market open on July 23, 2026, reflecting the company's commitment to transparency and investor communication.
- Conference Call Details: The company will host a conference call at 1:00 PM Eastern Time on the same day, allowing analysts to participate in a Q&A session, aimed at enhancing interaction and information sharing with investors.
- Webcast Access: The earnings call will be available via live webcast on the company's website, facilitating real-time information access for investors, with an archived version provided shortly after the live event to ensure widespread information dissemination.
- Company Background: Civista Bancshares is a financial holding company headquartered in Sandusky, Ohio, with assets of $4.3 billion, and its subsidiary, Civista Bank, offers comprehensive banking services, demonstrating its solid position in the regional market.
See More
Civista Bancshares to Release Q2 2026 Financial Results on July 23
- Earnings Release Schedule: Civista Bancshares will issue its Q2 2026 financial results before market open on July 23, 2026, providing investors with the latest insights into its financial health and performance metrics.
- Conference Call Details: The company will host a conference call at 1:00 PM Eastern Time on the same day, allowing analysts to participate in a Q&A session, thereby enhancing investor engagement and transparency.
- Webcast Information: Following the earnings release, Civista will offer a live webcast accessible via the company’s website, ensuring timely dissemination and access to critical information for stakeholders.
- Company Background: Civista Bancshares, founded in 1884, is a $4.3 billion financial holding company that provides full-service banking, commercial lending, and wealth management services, demonstrating its robust growth in the financial services sector.
See More
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- Civista Bancshares, Inc.: As the financial holding company for Civista Bank, it has experienced a 9.2% rise in the Zacks Consensus Estimate for its current year earnings in the last 60 days, and its dividend yield of 2.8% slightly exceeds the industry average of 2.6%, indicating stable growth potential.
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Civista Bancshares Reports 47% Increase in Q1 Net Income
- Significant Income Growth: Civista Bancshares Inc (NASDAQ:CIVB) reported a 47% year-over-year increase in net income for Q1 2026, indicating strong performance and enhanced profitability in the market.
- Successful Core System Conversion: The company completed the core system conversion of Farmer Savings Bank, acquired in Q4 2025, which is expected to further enhance operational efficiency and customer service capabilities.
- Net Interest Margin Expansion: The net interest margin expanded by 16 basis points to 3.85%, reflecting effective strategies in asset pricing and funding cost management, thereby strengthening profitability.
- Dividend and Buyback Program: The company announced a quarterly dividend of $0.18 per share and renewed its stock repurchase program, authorizing management to repurchase up to $25 million in common shares, demonstrating confidence in future growth.
See More
Civista Bancshares to Release Q2 2026 Financial Results on July 23
- Earnings Release Schedule: Civista Bancshares will issue its Q2 2026 financial results before market open on July 23, 2026, reflecting the company's commitment to transparency and investor communication.
- Conference Call Details: The company will host a conference call at 1:00 PM Eastern Time on the same day, allowing analysts to participate in a Q&A session, aimed at enhancing interaction and information sharing with investors.
- Webcast Access: The earnings call will be available via live webcast on the company's website, facilitating real-time information access for investors, with an archived version provided shortly after the live event to ensure widespread information dissemination.
- Company Background: Civista Bancshares is a financial holding company headquartered in Sandusky, Ohio, with assets of $4.3 billion, and its subsidiary, Civista Bank, offers comprehensive banking services, demonstrating its solid position in the regional market.
See More
Civista Bancshares to Release Q2 2026 Financial Results on July 23
- Earnings Release Schedule: Civista Bancshares will issue its Q2 2026 financial results before market open on July 23, 2026, providing investors with the latest insights into its financial health and performance metrics.
- Conference Call Details: The company will host a conference call at 1:00 PM Eastern Time on the same day, allowing analysts to participate in a Q&A session, thereby enhancing investor engagement and transparency.
- Webcast Information: Following the earnings release, Civista will offer a live webcast accessible via the company’s website, ensuring timely dissemination and access to critical information for stakeholders.
- Company Background: Civista Bancshares, founded in 1884, is a $4.3 billion financial holding company that provides full-service banking, commercial lending, and wealth management services, demonstrating its robust growth in the financial services sector.
See More
Five Stocks Added to Zacks Rank #1 (Strong Buy) List
- Earnings Estimate Increase: Pagaya Technologies Ltd. (PGY) has seen its current year earnings estimate rise by 12.2% over the last 60 days, indicating the effectiveness of its product-focused strategy, which could drive stock price appreciation and enhance market confidence.
- Significant Growth Outlook: TTM Technologies, Inc. (TTMI) has experienced a 27.5% increase in its current year earnings estimate over the past 60 days, reflecting strong demand in the printed circuit board manufacturing sector, which is expected to boost overall company performance.
- Fintech Potential: Green Dot Corporation (GDOT) has seen a 12.8% increase in its current year earnings estimate over the last 60 days, showcasing its ongoing innovation and market expansion capabilities in the fintech space, likely attracting more investor interest.
- Strong Energy Sector Performance: Occidental Petroleum Corporation (OXY) has had its current year earnings estimate raised by 67.2% over the past 60 days, demonstrating robust performance in oil and gas development, which could lead to significant shareholder returns.
See More
Three Strong Income Stocks to Consider
- CrossAmerica Partners LP: This fuel distribution company has seen a remarkable 146.5% increase in the Zacks Consensus Estimate for its current year earnings over the past 60 days, and with a dividend yield of 9.7% compared to the industry average of 5.9%, it is positioned to attract significant investor interest.
- Civista Bancshares, Inc.: As the financial holding company for Civista Bank, it has experienced a 9.2% rise in the Zacks Consensus Estimate for its current year earnings in the last 60 days, and its dividend yield of 2.8% slightly exceeds the industry average of 2.6%, indicating stable growth potential.
- Occidental Petroleum Corporation: This oil and gas explorer has witnessed a 67.2% increase in the Zacks Consensus Estimate for its current year earnings over the past 60 days, and its dividend yield of 1.8% compared to the industry average of 0.0% reflects strong cash flow, boosting investor confidence.
- Quantum Computing Outlook: With the rapid advancement of quantum computing technology, major tech companies like Microsoft, Google, and Amazon are scrambling to integrate this technology, indicating that competition in computing power will intensify, and investors should watch for potential opportunities in related stocks.
See More
Top Income Stocks to Consider Today
- Kenvue Earnings Estimate Rise: Kenvue Inc. has seen its Zacks Consensus Estimate for current year earnings increase by 5.5% over the last 60 days, indicating strong growth potential in the consumer health sector, while its 4.7% dividend yield significantly surpasses the industry average of 0.0%, attracting more investor interest.
- BP Earnings Estimate Surge: BP p.l.c. has experienced a remarkable 103.5% increase in its Zacks Consensus Estimate over the past 60 days, reflecting robust performance in the global energy market, and its 4.6% dividend yield is well above the industry average of 0.6%, enhancing its investment appeal.
- Civista Earnings Estimate Growth: Civista Bancshares, Inc. has seen a 9.2% increase in its Zacks Consensus Estimate over the last 60 days, indicating solid growth as a financial holding company, while its 2.9% dividend yield slightly exceeds the industry average of 2.6%, further boosting investor confidence.
- Strong Buy Stocks Recommendation: All three stocks have received a Zacks Rank #1 (Strong Buy), reflecting market optimism about their future performance, allowing investors to capitalize on potential income growth opportunities.
See More
Civista Bancshares Reports 47% Increase in Q1 Net Income
- Significant Income Growth: Civista Bancshares Inc (NASDAQ:CIVB) reported a 47% year-over-year increase in net income for Q1 2026, indicating strong performance and enhanced profitability in the market.
- Successful Core System Conversion: The company completed the core system conversion of Farmer Savings Bank, acquired in Q4 2025, which is expected to further enhance operational efficiency and customer service capabilities.
- Net Interest Margin Expansion: The net interest margin expanded by 16 basis points to 3.85%, reflecting effective strategies in asset pricing and funding cost management, thereby strengthening profitability.
- Dividend and Buyback Program: The company announced a quarterly dividend of $0.18 per share and renewed its stock repurchase program, authorizing management to repurchase up to $25 million in common shares, demonstrating confidence in future growth.
See More
