Civista demonstrated strong momentum in 2025, with revenue of $169.17 million (up 13.47%) and earnings of $46.05 million (up 48.48%). The company successfully completed its merger with The Farmers Savings Bank in November 2025, and healthy loan pipelines will support loan growth going forward.
Cyborg Score Rationale
Civista demonstrates strong profitability metrics with impressive 2025 earnings growth of 48.48% and a healthy net margin of 27.21%. The successful Farmers Savings Bank integration and analyst consensus indicating a buy rating provide positive momentum. However, 3-year earnings growth has been negative at -8.6% and moderate leverage levels temper the outlook.
Top Insights
Strong 2025 performance with 13.47% revenue growth and exceptional 48.48% earnings growth
Successfully completed Farmers Savings Bank acquisition (November 2025) to expand footprint
Analyst consensus of buy rating with $26.0 average 12-month target suggesting 10.4% upside
Institutional ownership at 61.58% with positive insider buying activity (14 buys vs. 1 sell in past 12 months)
Named Competitors
Community Banking Services — Regional competitor in community banking
Community Banking Services — Regional competitor in community banking
Community Banking Services — Regional competitor in community banking
Recent Developments
(November 2025) Completed merger with The Farmers Savings Bank
(October 2025) Received all required regulatory approvals for Farmers Savings Bank merger
(July 2025) Civista Bank leadership transitions announced with CEO succession plan
(February 2026) Board approved quarterly dividend of $0.18 per common share
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