The earnings call presented a mix of positive and negative outcomes. Significant growth in net income, strategic acquisitions, and strong loan demand were key highlights. However, challenges such as a decline in noninterest income and increased expenses were noted. The overall sentiment is balanced.

Company Guidance

During the second quarter of 2025, Civista Bancshares reported a net income of $11 million, or $0.71 per diluted share, marking a 56% increase from the previous year. The company’s net interest income reached $34.8 million, a 6.2% rise from the linked quarter, driven by an increase in earning asset yield. The loan and lease portfolio grew at an annualized rate of 6.8%, highlighting solid loan demand. Civista's cost of core deposits rose by 6 basis points to 1.48%, while the net interest margin expanded by 13 basis points to 3.64%. The company announced a quarterly dividend of $0.17 per share, reflecting a 3.20% yield. Additionally, Civista entered into an agreement to acquire Farmers Savings Bank, with plans to leverage Farmers’ $233 million in core deposits for future loan growth. The bank successfully completed a follow-on capital offering, raising $76.3 million, which is intended to support organic growth and strategic acquisitions. Noninterest income saw a decline of $1.3 million from the first quarter, primarily due to adjustments in the leasing division's core system. Noninterest expenses increased slightly by 1.3% over the first quarter, mainly due to compensation adjustments.

Significant Increase in Net Income

Net income for the second quarter was $11 million or $0.71 per diluted share, a 56% increase over the second quarter of 2024.

Positive Nonrecurring Adjustment

The second quarter results included a $757,000 positive nonrecurring adjustment related to finalizing the conversion of the leasing division's core system.

Increase in Net Interest Income

Net interest income for the quarter was $34.8 million, a 6.2% increase compared to the linked quarter.

Loan and Lease Portfolio Growth

The loan and lease portfolio grew at an annualized rate of 6.8% during the quarter, indicating continued strength in the markets.

Strategic Acquisition and Capital Offering

Announcement of a definitive agreement to acquire the former Savings Bank and an $88.5 million follow-on capital offering.

Improvement in Efficiency Ratio

Efficiency ratio improved to 64.5% from 64.9% in the linked quarter and 72.6% from the prior year's second quarter.

Strong Loan Demand

Solid loan demand across the footprint with residential loans increasing significantly by $42 million.

Strong Capital Position

Post capital raise and acquisition, Tier 1 leverage ratio increases to 10.6% and tangible common equity ratio increases to 8.6%.

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)	0.60 / -	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	$21.21	$20.72	-2.31%
Apr 24, 2025	$20.44	$20.51	+0.34%
Jan 30, 2025	$20.99	$20.87	-0.57%
Oct 29, 2024	$17.91	$18.14	+1.28%

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 0.6.

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