This annual meeting recap recaps already-reported FY2025 results and strategic priorities, with no new earnings or guidance. Monitor the upcoming Q2 2026 earnings for the first full-quarter impact of the Farmers Savings Bank acquisition and continued NIM trajectory.
Price Chart
Executive Summary
Civista Bancshares held its 2026 Annual Meeting on May 19, presenting a review of 2025 financial results. FY2025 net income rose 46% to $46.2 million, EPS grew 31% to $2.64, and net interest margin expanded 40 bps to 3.61%. Management also highlighted the acquisition of The Farmers Savings Bank (approx. $106M loans, $236M deposits) and a quarterly dividend increase to $0.18. The presentation is routine annual meeting material; no new forward guidance or material non-public information was disclosed.
Key Facts
- FY2025 net income of $46.2 million, a 46% increase vs FY2024.
- FY2025 EPS of $2.64, up from $2.01 in FY2024 (31% increase).
- Net interest margin of 3.61%, a 40 bps increase over FY2024.
- ROA of 1.11% and ROE of 10.28% in FY2025, vs 0.80% and 8.40% in FY2024.
- Acquired and converted The Farmers Savings Bank: approx. $106 million in loans and $236 million in deposits.
- Dividend increased to $0.18 per quarter in January 2026, the 6th increase since end of 2020 (64% total increase).
- Total assets of $4.3 billion as of December 31, 2025, up from $4.1 billion at year-end 2024.
- Allowance for credit losses at 1.28% with minimal delinquencies and charge-offs.
Financial Impact
FY2025 net income $46.2M (+46% YoY); EPS $2.64 (+31% YoY); NIM 3.61% (+40 bps); ROA 1.11%, ROE 10.28%
Risk Factors
- Integration risk from The Farmers Savings Bank acquisition.
- Interest rate sensitivity in a changing rate environment impacting NIM.
- Credit quality deterioration if economic conditions weaken.
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 5 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001193125-26-229611 |
| Document: civb-ex99_1.htm | 0001193125-26-229611 |
| Document: 0001193125-26-229611-index-headers.html | 0001193125-26-229611 |
| Document: 0001193125-26-229611-index.html | 0001193125-26-229611 |
| Document: 0001193125-26-229611.txt | 0001193125-26-229611 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 23, 2026 3d ago | 8-K | $28.29 | awaiting T+1 | — | $28.16 (−0.46%) |
Oct 22, 2026 5d ago | 8-K | $28.15 $28.29 | ▲ +0.50% | ▲ +1.02% | $28.16 (+0.04%) |
Oct 22, 2026 5d ago | Press Release | $28.15 $28.29 | ▲ +0.50% | ▲ +1.02% | $28.16 (+0.04%) |
Oct 21, 2026 5d ago | 8-K | $28.15 $28.29 | ▲ +0.50% | ▲ +1.02% | $28.16 (+0.04%) |
Oct 21, 2026 5d ago | Press Release | $28.15 $28.29 | ▲ +0.50% | ▲ +1.02% | $28.16 (+0.04%) |
Oct 8, 2026 19d ago | SC 13G | $26.94 $26.41 | ▼ −1.97% | ▼ −2.57% | $28.16 (+4.53%) |
Oct 1, 2026 26d ago | Press Release | $26.57 $26.98 | ▲ +1.54% | ▲ +0.80% | $28.16 (+5.98%) |
Sep 22, 2026 5w ago | Institutional Cluster | $27.03 $26.59 | ▼ −1.63% | ▼ −0.91% | $28.16 (+4.18%) |
Sep 18, 2026 5w ago | 8-K | $27.08 $27.03 | ▼ −0.18% | ▼ −0.17% | $28.16 (+3.99%) |
Sep 15, 2026 5w ago | 8-K | $27.16 $27.23 | ▲ +0.26% | ▼ −0.88% | $28.16 (+3.68%) |
US Market Status
Subscribe to SecBot
Get Real-Time SEC Filing Intelligence
Comprehensive SEC filing analysis delivered the moment filings hit EDGAR. Sentiment scoring, impact analysis, and actionable insights for every material event.
Create a free account Live analysis, Telegram alerts, watchlists and the MCP server for subscribers