CIVBCIVISTA BANCSHARES, INC.
State Commercial Banks
- Revenue
- $19M
- 0.5% YoY
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- AI in 10-K
- —
Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear94% of net incomeCash flow under 80% of net income
- Dilutive SBCClear4% of revenueOver 10% of revenue
- Payouts exceed cash flowClear28% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear3% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $20M | $25M | $30M | $19M | $19M | 0.5% |
| Net income | $41M | $39M | $43M | $32M | $46M | 46% |
| Operating cash flow | $41M | $25M | $63M | $48M | $43M | 10% |
| Capex | $2M | $7M | $3M | $4M | $1M | 72% |
| Stock-based comp | $702K | $819K | $984K | $871K | $852K | 2.2% |
| Buybacks | $22M | $17M | $2M | $164K | $178K | 8.5% |
| Dividends | $8M | $8M | $10M | $10M | $12M | 18% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $11K · 2
- Open-market sells, 12 mo
- $0 · 0
- Net
- $11K
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | $3M | $3M | 148 | 211 |
| FY2024 | $2M | $2M | 102 | 144 |
| FY2023 | $1M | $944K | 86 | 107 |
| FY2022 | $924K | $907K | 99 | 98 |
| FY2021 | $849K | $891K | 107 | 119 |