CIVISTA BANCSHARES, INC. CIVB
Nasdaq · XNAS · stock · State Commercial Banks
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3/9
Piotroski F — financial health
—
Altman Z″ — distress risk
25.6%
Dividend payout · safe
Financials (annual, from 10-K)
| FY | Revenue | Net income | Gross profit | Free cash flow | Equity |
|---|---|---|---|---|---|
| 2025 | $19.0M | $46.2M | — | $42.1M | $543.5M |
| 2024 | $19.1M | $31.7M | — | $44.1M | $388.5M |
| 2023 | $30.4M | $43.0M | — | $59.3M | $372.0M |
| 2022 | $24.5M | $39.4M | — | $18.7M | $328.8M |
| 2021 | $19.6M | $40.5M | — | $38.8M | $355.2M |
| 2020 | $16.9M | $32.2M | — | $30.7M | $350.1M |
Recent insider activity (Form 4)
| Insider | Role | Date | Action | Shares | Price |
|---|---|---|---|---|---|
| Weaks Nathan E | 2026-06-08 | Grant | 1,210 | — | |
| Congrove Darci L | director | 2026-06-08 | Grant | 1,210 | — |
| WURM GERALD B | 2026-06-08 | Grant | 1,210 | — | |
| Wise Lorina W | director | 2026-06-08 | Grant | 1,210 | — |
| Mattlin Julie A | director | 2026-06-08 | Grant | 1,210 | — |
| Oliver Mary Patricia | director | 2026-06-08 | Grant | 1,210 | — |
| PERFECT CLYDE A JR | 2026-06-08 | Grant | 1,210 | — | |
| Macioce Mark J. | director | 2026-06-08 | Grant | 1,210 | — |
Why these scores methodology →
Piotroski F-score: 3/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Source: SEC EDGAR filings · CIK 0000944745 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.