CIVB FINANCIAL STATEMENTS

Civista Bancshares Inc — balance sheet, income statement and cash flow trends

CIVBCivista Bancshares Inc

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue247.4 M $+1.0%

Gross Profit166.2 M $+10.2%

Operating Income51.9 M $+25.5%

EBITDA52.2 M $+24.3%

Net Income51 M $+43.8%

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
CIVB	—	—	—	20.6%
TSKB	—	—	—	54.9%
NWG	—	—	—	20.1%
ICBCT	—	—	—	24.7%
LLOY	—	—	—	25.9%
SKBNK	—	—	—	14.2%
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity552.2 M $13%
Current Liabilities100.6 M $2%
Long-term Liabilities3.6 B $85%

Key Figures

YoY change

Total Assets4.3 B $+3.7%

Total Liabilities3.7 B $-0.1%

Total Equity552.2 M $+39.0%

Cash & ST Investments83.5 M $-76.9%

Total Debt210.8 M $-55.3%

Net Debt127.3 M $-66.5%

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
CIVB	0.98	38.2%	2.44	12.8%
TSKB	—	0.0%	-0.47	13.4%
NWG	0.25	17.0%	-14.68	5.2%
ICBCT	—	0.0%	-20.34	4.0%
LLOY	0.12	209.8%	5.39	5.0%
SKBNK	—	0.0%	-13.41	5.9%
Industry median	0.31	38.0%	-0.58	11.0%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
CIVB	0.98	38.2%	2.44	12.8%
GCBC	0.18	40.1%	-8.38	8.4%
NFBK	7.13	128.4%	31.89	12.1%
KRNY	42.94	138.9%	-0.96	10.0%
UNTY	0.15	72.2%	-1.05	11.8%
CBNK	0.72	14.6%	-3.03	10.7%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow51.8 M $+1.0%

Capital Expenditures1.4 M $-67.8%

Free Cash Flow50.4 M $+7.3%

Dividends Paid-12.9 M $-227.0%

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
CIVB	21.0%	20.4%	0.6%	101.6%
TSKB	54.9%	71.9%	17.0%	100.0%
NWG	—	—	0.0%	—
ICBCT	24.7%	29.9%	5.1%	100.0%
LLOY	—	—	0.0%	—
SKBNK	14.2%	31.2%	17.0%	100.0%
Industry median	23.6%	22.1%	1.5%	111.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
CIVB	21.0%	20.4%	0.6%	101.6%
GCBC	26.0%	25.4%	0.6%	95.5%
NFBK	24.1%	23.7%	0.4%	1,344.8%
KRNY	9.2%	8.9%	0.5%	88.8%
UNTY	19.9%	19.1%	0.7%	69.2%
CBNK	23.0%	22.1%	0.9%	124.7%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 6, 26. This content is for informational purposes only and is not investment advice.