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STOCKS

Civista Bancshares Inc (CIVB)

NASDAQ:CIVB

CIVB

Civista Bancshares

RESEARCH TOOLSreports

Civista Bancshares (CIVB) Ratios

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170 Followers

Civista Bancshares Ratios

CIVB's free cash flow for Q4 2025 was $0.70. For the 2025 fiscal year, CIVB's free cash flow was decreased by $ and operating cash flow was $0.22. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	4.32	4.32	0.11	0.22	0.23
Quick Ratio	4.32	4.32	0.11	0.22	0.23
Cash Ratio	0.44	0.44	0.02	0.02	0.01
Solvency Ratio	0.01	0.01	0.01	0.02	0.01
Operating Cash Flow Ratio	0.10	0.10	0.01	0.02	<0.01
Short-Term Operating Cash Flow Coverage	0.10	0.10	0.14	0.19	0.06
Net Current Asset Value	$ -3.03B	$ -3.03B	$ -3.32B	$ -2.74B	$ -2.60B
Leverage Ratios
Debt-to-Assets Ratio	0.07	0.07	0.11	0.12	0.18
Debt-to-Equity Ratio	0.52	0.52	1.16	1.22	1.92
Debt-to-Capital Ratio	0.34	0.34	0.54	0.55	0.66
Long-Term Debt-to-Capital Ratio	0.17	0.17	0.22	0.24	0.40
Financial Leverage Ratio	7.98	7.98	10.55	10.38	10.87
Debt Service Coverage Ratio	0.18	0.18	0.10	0.14	0.10
Interest Coverage Ratio	0.67	0.67	0.41	0.88	2.95
Debt to Market Cap	0.62	0.73	1.39	1.63	1.95
Interest Debt Per Share	18.16	20.94	35.11	33.75	44.04
Net Debt to EBITDA	3.70	3.75	8.11	6.24	11.34
Profitability Margins
Gross Profit Margin	66.04%	66.35%	60.58%	71.64%	88.43%
EBIT Margin	21.86%	21.66%	15.12%	23.27%	30.75%
EBITDA Margin	22.13%	21.66%	19.68%	28.95%	34.51%
Operating Profit Margin	21.86%	21.66%	15.12%	23.27%	30.75%
Pretax Profit Margin	21.86%	21.66%	15.12%	23.27%	30.75%
Net Profit Margin	18.29%	18.13%	13.10%	19.76%	25.77%
Continuous Operations Profit Margin	18.29%	18.13%	13.10%	19.76%	25.77%
Net Income Per EBT	83.66%	83.66%	86.63%	84.89%	83.82%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	1.07%	1.07%	0.77%	1.11%	1.08%
Return on Equity (ROE)	10.02%	8.50%	8.16%	11.55%	11.78%
Return on Capital Employed (ROCE)	1.33%	1.33%	6.68%	9.40%	8.17%
Return on Invested Capital (ROIC)	4.89%	4.89%	3.57%	4.90%	3.96%
Return on Tangible Assets	1.10%	1.10%	0.80%	1.15%	1.13%
Earnings Yield	10.53%	11.88%	9.78%	15.37%	11.97%
Efficiency Ratios
Receivables Turnover	17.50	17.66	4.10	3.24	3.22
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	6.22	6.28	5.13	3.83	2.39
Asset Turnover	0.06	0.06	0.06	0.06	0.04
Working Capital Turnover Ratio	-0.21	-0.20	-0.08	-0.09	-0.08
Cash Conversion Cycle	20.86	20.67	89.01	112.72	113.44
Days of Sales Outstanding	20.86	20.67	89.01	112.72	113.44
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	20.86	20.67	89.01	112.72	113.44
Cash Flow Ratios
Operating Cash Flow Per Share	0.89	1.03	3.13	4.14	1.68
Free Cash Flow Per Share	0.82	2.52	2.86	3.91	1.25
CapEx Per Share	0.07	0.07	0.27	0.23	0.43
Free Cash Flow to Operating Cash Flow	0.92	2.45	0.91	0.95	0.74
Dividend Paid and CapEx Coverage Ratio	1.35	1.39	3.39	4.81	1.68
Capital Expenditure Coverage Ratio	12.19	15.56	11.53	18.28	3.87
Operating Cash Flow Coverage Ratio	0.06	0.06	0.11	0.14	0.04
Operating Cash Flow to Sales Ratio	0.07	0.07	0.20	0.29	0.16
Free Cash Flow Yield	3.67%	11.35%	13.59%	21.21%	5.67%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	9.66	8.42	10.23	6.50	8.36
Price-to-Sales (P/S) Ratio	1.81	1.53	1.34	1.29	2.15
Price-to-Book (P/B) Ratio	0.82	0.72	0.83	0.75	0.98
Price-to-Free Cash Flow (P/FCF) Ratio	27.71	8.81	7.36	4.72	17.64
Price-to-Operating Cash Flow Ratio	24.76	21.58	6.72	4.46	13.08
Price-to-Earnings Growth (PEG) Ratio	-12.94	0.27	-0.39	1.30	-7.33
Price-to-Fair Value	0.82	0.72	0.83	0.75	0.98
Enterprise Value Multiple	11.90	10.79	14.92	10.68	17.58
Enterprise Value	657.85M	595.88M	710.38M	672.02M	928.02M
EV to EBITDA	11.77	10.79	14.92	10.68	17.58
EV to Sales	2.60	2.34	2.94	3.09	6.07
EV to Free Cash Flow	39.76	13.50	16.12	11.34	49.69
EV to Operating Cash Flow	36.50	33.06	14.72	10.72	36.85
Tangible Book Value Per Share	19.95	23.00	16.56	15.64	13.25
Shareholders’ Equity Per Share	26.92	31.04	25.22	24.55	22.37
Tax and Other Ratios
Effective Tax Rate	0.16	0.16	0.13	0.15	0.16
Revenue Per Share	12.51	14.56	15.70	14.35	10.22
Net Income Per Share	2.29	2.64	2.06	2.83	2.63
Tax Burden	0.84	0.84	0.87	0.85	0.84
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.25	0.29	0.27	0.28	0.34
Stock-Based Compensation to Revenue	0.00	0.00	<0.01	<0.01	<0.01
Income Quality	1.47	0.39	1.52	1.46	0.64

Currency in USD