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Civista Bancshares, Inc.

CIVB Finance Major Banks
$28.29
▲ +5.8% Today
as of Oct 23, 16:47 ET
Last 30 days +2.76% Sep 14 → Oct 23
$26.23 $26.78 $27.34 $27.89 $28.44 Sep 14 Sep 22 Sep 30 Oct 07 Oct 15 Oct 23
Open
$28.00
High
$28.72
Low
$27.87
Volume
$132,001
Avg Vol
$110,484
Mkt Cap
$553M
P/E (TTM)
12.85
Beta
—
52w High
$29.97
52w Low
$21.10
Div Yield
—
Shares Out
—

Recent Press Releases & News last 60 days · 16 items

Oct 23 · 20:15 PR PR Newswire
Civista Bancshares, Inc. Appoints Jeremy Normington-Slay to Board of Directors
Oct 23 · 12:06 Simply Wall St.
Civista Bancshares (CIVB) Stock Climbs As Q3 Earnings Lift Margin Outlook
Oct 23 · 01:06 GuruFocus.com
Civista Bancshares Inc (CIVB) (Q3 2026) Earnings Call Highlights: Net Income Jumps 26% as ...
▸ Show all 16 press releases & news Free account →

CIVB earnings at a glance

The options market is pricing a move of about ±19.8% after the report, a range of roughly $22.68 to $33.90 from today's $28.29. Over its last 6 reports the stock rose the next day 4 times and fell 2, moving ±2.3% on average; after the most recent report on Jul 23, 2026 it moved +0.4%. That means options currently expect more movement than CIVB has typically delivered. CIVB beat the consensus EPS estimate in 5 of its last 6 reported quarters. Implied volatility is currently 158%. The share price of $28.29 sits near its 52-week high.

More Finance stocks · All stocks · Earnings calendar

Overview

52-week range
$21
$30
81% of range
Avg surprise (last 6)
+16.2%
Avg reaction (last 6)
+1.1%
67% positive
Latest IV / EM
158%
EM ±19.8% · $25 · Oct 16

Earnings trends

EPS — actual vs estimate Actual Estimate
$0.41$0.51$0.61$0.72$0.82 Actual $0.82Actual $0.64Actual $0.66Actual $0.41Actual $0.45Actual $0.53Actual $0.66Est $0.50Actual $0.66Est $0.69Actual $0.68Est $0.61Actual $0.75Est $0.61Actual $0.74Est $0.56Actual $0.69Est $0.67 MarJunSepMarJunSepMar/2025Jun/2025Sep/20258K8KJun/2026
Revenue vs Net Income Revenue Net income
$0$4M$8M$12M$16M Sep 24Mar 25Jun 25Sep 25Mar 26Jun 26

Earnings history

DatePeriodActual EPSEstSurpriseYoY %ΔDay reactSource
Thu Jul 23, 2026Jun/2026 $0.69 $0.67 +3.0% +1.5% +0.4% earnings
Wed Apr 22, 20268K 2026-04-22 $0.74 $0.56 +32.1% — +3.4% earnings
Thu Jan 29, 20268K 2026-01-29 $0.75 $0.61 +22.9% — +5.8% earnings
Thu Oct 23, 2025Sep/2025 $0.68 $0.61 +11.5% — -1.3% earnings
Thu Jul 24, 2025Jun/2025 $0.66 $0.69 -4.3% — -2.3% earnings
Thu Apr 24, 2025Mar/2025 $0.66 $0.50 +32.0% — +0.3% earnings
Mon Sep 30, 2024Sep 2024 $0.53 — — — — financials
Sun Jun 30, 2024Jun 2024 $0.45 — — — — financials
Sun Mar 31, 2024Mar 2024 $0.41 — — — — financials
Sat Sep 30, 2023Sep 2023 $0.66 — — — — financials
Fri Jun 30, 2023Jun 2023 $0.64 — — — — financials
Fri Mar 31, 2023Mar 2023 $0.82 — — — — financials

Financials

Income statement (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Revenue$6M$5M—$6M$5M$5M—$5M
Cost of revenue————————
Gross profit————————
Operating income————————
Net income$14M$15M—$13M$11M$10M—$8M
EPS (diluted)$0.69$0.72—$0.68$0.71$0.66—$0.53

Balance sheet (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Cash & equivalents————————
Inventory————————
Total current assets————————
Total assets$4.29B$4.30B$4.34B$4.11B$4.19B$4.15B$4.10B$4.06B
Long-term debt————————
Total liabilities$3.73B$3.75B$3.79B$3.61B$3.78B$3.75B$3.71B$3.67B
Total equity$567M$552M$543M$499M$404M$397M$389M$394M

Implied volatility — last 90 days

76%190%303%416%530% Jun 15 — IV 237% · EM ±17.2%Jun 16 — IV 285% · EM ±16.8%Jun 19 — IV 98% · EM ±21.6%Jun 22 — IV 110% · EM ±22.9%Jun 23 — IV 91% · EM ±18.6%Jun 24 — IV 101% · EM ±20.2%Jun 25 — IV 106% · EM ±20.8%Jun 26 — IV 125% · EM ±24.0%Jun 30 — IV 105% · EM ±18.1%Jul 01 — IV 108% · EM ±18.0%Jul 07 — IV 154% · EM ±20.4%Jul 08 — IV 162% · EM ±20.2%Jul 09 — IV 172% · EM ±20.4%Jul 10 — IV 183% · EM ±20.2%Jul 13 — IV 219% · EM ±18.3%Jul 14 — IV 253% · EM ±18.3%Jul 21 — IV 77% · EM ±17.8%Jul 22 — IV 78% · EM ±17.8%Jul 23 — IV 83% · EM ±18.7%Jul 27 — IV 85% · EM ±17.8%Jul 28 — IV 87% · EM ±17.8%Aug 19 — IV 400% · EM ±23.6%Aug 20 — IV 530% · EM ±22.1%Aug 24 — IV 97% · EM ±20.2%Aug 25 — IV 104% · EM ±21.2%Aug 26 — IV 98% · EM ±19.5%Aug 27 — IV 95% · EM ±18.6%Aug 28 — IV 105% · EM ±20.0%Aug 31 — IV 111% · EM ±19.6%Sep 01 — IV 110% · EM ±18.9%Sep 02 — IV 114% · EM ±19.0%Sep 03 — IV 119% · EM ±19.2%Sep 04 — IV 127% · EM ±19.8%Sep 07 — IV 143% · EM ±19.8%Sep 08 — IV 160% · EM ±21.1%Sep 09 — IV 150% · EM ±18.8%Sep 10 — IV 167% · EM ±19.7%Sep 11 — IV 181% · EM ±20.0%Sep 14 — IV 235% · EM ±19.6%Sep 15 — IV 281% · EM ±20.3%Sep 16 — IV 362% · EM ±21.4%Sep 17 — IV 448% · EM ±18.7%Sep 21 — IV 108% · EM ±22.5%Sep 22 — IV 112% · EM ±22.9%Sep 23 — IV 115% · EM ±22.9%Sep 28 — IV 110% · EM ±19.5%Sep 29 — IV 113% · EM ±19.5%Oct 02 — IV 121% · EM ±18.9%Oct 05 — IV 136% · EM ±18.9%Oct 06 — IV 150% · EM ±19.8%Oct 07 — IV 158% · EM ±19.8%

Sector peers

UNTY
Unity Bancorp, Inc.
$548M $58.14+2.8%
BWB
Bridgewater Bancshares, Inc.
$564M $20.58+2.2%
SFST
Southern First Bancshares, Inc.
$567M $61.20+1.9%
NPB
Northpointe Bancshares, Inc.
$538M $15.44+2.0%
BWFG
Bankwell Financial Group, Inc.
$521M $67.20+1.7%
FBIZ
First Business Financial Services, Inc.
$587M $72.43+2.2%

CIVB earnings FAQ

What is CIVB's expected move for earnings?

Options currently price a move of about ±19.8%, or $5.61 per share either way from $28.29.

How does CIVB stock usually react to earnings?

Across the last 6 reports the average next-day move was ±2.3%, up 4 times and down 2 times.

What is CIVB's implied volatility?

CIVB's at-the-money implied volatility is about 158% based on the latest options snapshot.

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