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Civista Bancshares Inc (CIVB)
NASDAQ:CIVB
Earnings Data
Report Date
Feb 05, 2026Before Open (Confirmed)
Period Ending
2025 (Q4)Consensus EPS Forecast
0.61Last Year’s EPS
0.63Same Quarter Last Year
Moderate Buy
Based on 4 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The earnings call reflected a strong financial performance with significant increases in net income and efficiency improvements. Successful capital raising and deposit growth were major positives. However, challenges with loan declines and increased expenses due to acquisition costs were noted. The overall sentiment suggests confidence in future growth and stability.Company Guidance
Significant Increase in Net Income
Net income for the third quarter of $12.8 million, a 53% increase over the third quarter of 2024, and a 16% increase over the linked quarter.
Successful Capital Raise
Completed a follow-on common stock offering raising $80.5 million of new capital, which will support growth and reduce overnight borrowings.
Increase in Noninterest Income
Noninterest income increased by 46.2% over the linked quarter, driven by increased leasing activity and other income categories.
Improved Efficiency Ratio
Efficiency ratio improved to 61.5% from 64.5% in the linked quarter and 70.5% in the prior year third quarter.
Increase in Core Deposits
Core deposits increased by $87 million year-to-date, with a $56.4 million increase in core deposit funding during the quarter.
Strong Credit Quality
Allowance for credit losses to nonperforming loans improved to 177% at September 30, compared to 122% at December 31, 2024.
CIVB Earnings History
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 |
|---|---|---|---|
Oct 23, 2025 | $21.55 | $21.28 | -1.25% |
Jul 24, 2025 | $21.21 | $20.72 | -2.31% |
Apr 24, 2025 | $20.44 | $20.51 | +0.34% |
Jan 30, 2025 | $20.99 | $20.87 | -0.57% |
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 Feb 05, 2026, Before Open (Confirmed).
What is Civista Bancshares Inc (CIVB) earnings time?
Civista Bancshares Inc (CIVB) earnings time is at Feb 05, 2026, 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 (Q4) is 0.61.