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Civista Bancshares Inc (CIVB)
NASDAQ:CIVB
US Market
CIVB
Civista Bancshares
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Civista Bancshares (CIVB) Ratios

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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 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 7.66 0.11 0.11 0.22 0.23
Quick Ratio
 7.66 0.11 0.11 0.22 0.23
Cash Ratio
 0.84 0.02 0.02 0.02 0.01
Solvency Ratio
 0.01 0.01 0.01 0.02 0.01
Operating Cash Flow Ratio
 0.18 0.01 0.01 0.02 <0.01
Short-Term Operating Cash Flow Coverage
 0.18 0.26 0.14 0.19 0.06
Net Current Asset Value
$ -2.98B$ -3.38B$ -3.32B$ -2.74B$ -2.60B
Leverage Ratios
Debt-to-Assets Ratio
 0.05 0.07 0.11 0.12 0.18
Debt-to-Equity Ratio
 0.38 0.52 1.16 1.22 1.92
Debt-to-Capital Ratio
 0.27 0.34 0.54 0.55 0.66
Long-Term Debt-to-Capital Ratio
 0.16 0.17 0.22 0.24 0.40
Financial Leverage Ratio
 7.78 7.98 10.55 10.38 10.87
Debt Service Coverage Ratio
 0.23 0.18 0.10 0.14 0.10
Interest Coverage Ratio
 0.65 0.67 0.41 0.88 2.95
Debt to Market Cap
 0.40 0.73 1.39 1.63 1.95
Interest Debt Per Share
 13.91 20.94 35.11 33.75 44.04
Net Debt to EBITDA
 2.40 3.72 8.11 6.24 11.34
Profitability Margins
Gross Profit Margin
67.16%66.35%60.58%71.64%88.43%
EBIT Margin
20.97%21.66%15.12%23.27%30.75%
EBITDA Margin
21.10%21.66%19.68%28.95%34.51%
Operating Profit Margin
20.97%21.66%15.12%23.27%30.75%
Pretax Profit Margin
24.78%21.66%15.12%23.27%30.75%
Net Profit Margin
20.63%18.13%13.10%19.76%25.77%
Continuous Operations Profit Margin
20.63%18.13%13.10%19.76%25.77%
Net Income Per EBT
83.24%83.66%86.63%84.89%83.82%
EBT Per EBIT
118.18%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.19%1.07%0.77%1.11%1.08%
Return on Equity (ROE)
10.21%8.50%8.16%11.55%11.78%
Return on Capital Employed (ROCE)
1.24%7.95%6.68%9.40%8.17%
Return on Invested Capital (ROIC)
4.56%5.31%3.57%4.90%3.96%
Return on Tangible Assets
1.23%1.10%0.80%1.15%1.13%
Earnings Yield
9.83%11.88%9.78%15.37%11.97%
Efficiency Ratios
Receivables Turnover
 0.00 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
 6.33 6.28 5.13 3.83 2.39
Asset Turnover
 0.06 0.06 0.06 0.06 0.04
Working Capital Turnover Ratio
 -0.19 -0.08 -0.08 -0.09 -0.08
Cash Conversion Cycle
 0.00 20.67 89.01 112.72 113.44
Days of Sales Outstanding
 0.00 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
 0.00 20.67 89.01 112.72 113.44
Cash Flow Ratios
Operating Cash Flow Per Share
 0.87 2.59 3.13 4.14 1.68
Free Cash Flow Per Share
 0.80 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 0.97 0.91 0.95 0.74
Dividend Paid and CapEx Coverage Ratio
 1.35 3.49 3.39 4.81 1.68
Capital Expenditure Coverage Ratio
 12.19 39.12 11.53 18.28 3.87
Operating Cash Flow Coverage Ratio
 0.09 0.16 0.11 0.14 0.04
Operating Cash Flow to Sales Ratio
 0.07 0.18 0.20 0.29 0.16
Free Cash Flow Yield
3.19%11.35%13.59%21.21%5.67%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 10.17 8.42 10.23 6.50 8.36
Price-to-Sales (P/S) Ratio
 2.10 1.53 1.34 1.29 2.15
Price-to-Book (P/B) Ratio
 0.94 0.72 0.83 0.75 0.98
Price-to-Free Cash Flow (P/FCF) Ratio
 31.39 8.81 7.36 4.72 17.64
Price-to-Operating Cash Flow Ratio
 28.80 8.59 6.72 4.46 13.08
Price-to-Earnings Growth (PEG) Ratio
 0.51 0.27 -0.39 1.30 -7.33
Price-to-Fair Value
 0.94 0.72 0.83 0.75 0.98
Enterprise Value Multiple
 12.34 10.77 14.92 10.68 17.58
Enterprise Value
 644.42M 594.72M 710.38M 672.02M 928.02M
EV to EBITDA
 12.34 10.77 14.92 10.68 17.58
EV to Sales
 2.60 2.33 2.94 3.09 6.07
EV to Free Cash Flow
 38.95 13.47 16.12 11.34 49.69
EV to Operating Cash Flow
 35.76 13.13 14.72 10.72 36.85
Tangible Book Value Per Share
 19.78 22.84 16.56 15.64 13.25
Shareholders’ Equity Per Share
 26.67 31.04 25.22 24.55 22.37
Tax and Other Ratios
Effective Tax Rate
 0.17 0.16 0.13 0.15 0.16
Revenue Per Share
 11.95 14.56 15.70 14.35 10.22
Net Income Per Share
 2.46 2.64 2.06 2.83 2.63
Tax Burden
 0.83 0.84 0.87 0.85 0.84
Interest Burden
 1.18 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
 0.32 0.29 0.28 0.28 0.34
Stock-Based Compensation to Revenue
 0.00 0.00 <0.01 <0.01 <0.01
Income Quality
 1.47 0.98 1.52 1.46 0.64
Currency in USD