/
Development of Business CIVISTA BANCSHARES, INC. ( CBI or the "Company") was organized under the laws of the State of Ohio on February 19, 1987 and is a registered financial holding company under the Gramm-Leach-Bliley Act of 1999, as amended (the GLBA ). CIVISTA BANK ( Civista ), owned by the Company since 1987, opened for business in 1884 as The Citizens National Bank.
298.10% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue grew 17.1% YoY.
Traditional FCF and operating-margin metrics are not meaningful for financial institutions. Evaluate using net interest margin, credit quality, and capital ratios instead.
Profitability & Returns
Revenue (TTM)
$18M
▲ +17.1% YoY
Net Income (TTM)
$51M
▲ +45.9% YoY
Net Margin
290.99%
P/E
—
Balance Sheet
Total Assets
$4.30B
Equity
$552M
Total Debt
$2M
Cash & Equiv.
$84M
5Y CAGR: -1.8%
Continue Research