The earnings call presented a mix of strong financial performance and strategic growth initiatives, such as increased net income, successful capital raising, and strategic acquisition plans. However, challenges such as declining noninterest income and increased noninterest expenses were also highlighted. The overall sentiment reflects optimism about future growth and strategic positioning despite these challenges.

Company Guidance -

Q3 2025

During the second quarter of 2025, Civista Bancshares reported net income of $11 million or $0.71 per diluted share, marking a 56% increase from the same period in 2024. The company also saw a 37.5% rise in pre-provision net revenue compared to the previous year. Net interest income increased by 6.2% to $34.8 million, with an expanded margin of 3.64%. The loan and lease portfolio grew at an annualized rate of 6.8%, while the cost of core deposits rose slightly to 1.48%. Despite a decline in noninterest income by 16.2% from the first quarter, primarily due to nonrecurring adjustments, noninterest expenses increased only by 1.3% due to merit salary increases. Civista announced a quarterly dividend of $0.17 per share and detailed plans for growth, including a definitive agreement to acquire Farmers Savings Bank and an $88.5 million follow-on capital offering. The company aims to keep its CRE ratio below 300% post-acquisition and expects loan growth to accelerate into high single digits in 2026.

Significant Increase in Net Income and Pre-Provision Net Revenue

Net income for the second quarter was $11 million, a 56% increase over the second quarter of 2024, and pre-provision net revenue increased by $3.3 million or 37.5% over the same period.

Successful Capital Raise and Strategic Acquisition

Civista Bancshares announced entering into a definitive agreement to acquire the former Savings Bank, and successfully closed a follow-on offering raising approximately $76.3 million net of offering costs.

Organic Loan and Lease Portfolio Growth

The loan and lease portfolio grew at an annualized rate of 6.8% during the quarter, indicating strong market performance and organizational strength.

Improvement in Efficiency Ratio

The efficiency ratio improved to 64.5% compared to 72.6% in the prior year's second quarter, reflecting better cost management.

Civista Bancshares (CIVB) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

CIVB Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 24, 2025	2025 (Q3)	0.63 / -	0.53	―	―	―
Jul 24, 2025	2025 (Q2)	0.70 / 0.71	0.45	57.78% (+0.26)	―
Apr 24, 2025	2025 (Q1)	0.52 / 0.66	0.41	60.98% (+0.25)	―
Jan 30, 2025	2024 (Q4)	0.53 / 0.63	0.62	1.61% (+0.01)	―
Oct 29, 2024	2024 (Q3)	0.44 / 0.53	0.66	-19.70% (-0.13)	―
Jul 29, 2024	2024 (Q2)	0.39 / 0.45	0.64	-29.69% (-0.19)	―
Apr 30, 2024	2024 (Q1)	0.46 / 0.41	0.82	-50.00% (-0.41)	―
Feb 08, 2024	2023 (Q4)	0.58 / 0.62	0.77	-19.48% (-0.15)	―
Oct 27, 2023	2023 (Q3)	0.61 / 0.66	0.72	-8.33% (-0.06)	―
Jul 28, 2023	2023 (Q2)	0.71 / 0.64	0.53	20.75% (+0.11)	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

CIVB Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 24, 2025	$21.40	$20.90	-2.34%
Apr 24, 2025	$20.62	$20.69	+0.34%
Jan 30, 2025	$21.17	$21.05	-0.57%
Oct 29, 2024	$18.07	$18.30	+1.27%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Civista Bancshares Inc (CIVB) report earnings?

Civista Bancshares Inc (CIVB) is schdueled to report earning on Oct 24, 2025, Before Open (Confirmed).

What is Civista Bancshares Inc (CIVB) earnings time?

Civista Bancshares Inc (CIVB) earnings time is at Oct 24, 2025, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is CIVB EPS forecast?

CIVB EPS forecast for the fiscal quarter 2025 (Q3) is 0.63.

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