Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $13.3M | $13.6M | $15.3M | $17.8M | $16.9M | $19.6M | $24.5M | $30.4M | $19.1M | $19.0M |
| Revenue growth | — | 2.5% | 12.3% | 16.1% | -4.7% | 15.9% | 25.0% | 24.1% | -37.2% | -0.5% |
| Net income | $17.2M | $15.9M | $14.1M | $33.9M | $32.2M | $40.5M | $39.4M | $43.0M | $31.7M | $46.2M |
| Net margin | 129.4% | 116.4% | 92.3% | 190.5% | 190.0% | 206.5% | 160.7% | 141.1% | 165.7% | 242.9% |
| EPS (diluted) | $1.57 | $1.28 | $1.02 | $2.01 | $2.00 | $2.63 | $2.60 | $2.73 | $2.01 | $2.64 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $17.7M | $20.8M | $19.6M | $38.8M | $32.7M | $40.8M | $25.2M | $62.7M | $48.2M | $43.3M |
| Capital expenditures | $2.44M | $1.01M | $1.47M | $3.20M | $1.97M | $1.93M | $6.51M | $3.43M | $4.19M | $1.16M |
| Free cash flow | $15.3M | $19.8M | $18.2M | $35.6M | $30.7M | $38.8M | $18.7M | $59.3M | $44.1M | $42.1M |
| Share buybacks | — | $4.00K | — | $3.91M | $13.5M | $22.3M | $16.9M | $1.63M | $164K | $178K |
| Dividends paid | $3.25M | $3.68M | $4.75M | $7.19M | $7.12M | $8.04M | $8.49M | $9.60M | $10.1M | $11.8M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | — | $40.5M | $41.8M | $46.6M | $137M | $264M | $43.4M | $60.4M | $63.2M | $77.3M |
| Total assets | $1.38B | $1.53B | $2.14B | $2.31B | $2.77B | $3.01B | $3.64B | $3.86B | $4.10B | $4.34B |
| Total liabilities | $1.24B | $1.34B | $1.84B | $1.98B | $2.42B | $2.66B | $3.30B | $3.49B | $3.71B | $3.79B |
| Shareholders' equity | $138M | $184M | $299M | $330M | $350M | $355M | $329M | $372M | $389M | $543M |
| Retained earnings | $19.3M | $31.7M | $41.3M | $68.0M | $93.0M | $126M | $156M | $184M | $205M | $240M |
| Shares (wtd avg diluted) | 11.0M | 12.4M | 13.9M | 16.9M | 16.1M | 15.3M | 15.0M | 15.2M | 15.4M | 17.4M |
Every figure is extracted from CIVISTA BANCSHARES, INC.’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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