Monitor the Stephens conference on Sep 23-24 for any updated guidance or M&A commentary. The presentation reiterates a 10-12% total shareholder return outlook, but no new forward guidance was provided.
Price Chart
Executive Summary
Civista Bancshares filed an 8-K to announce its participation at the Stephens 16th Annual Bank Forum and furnished its Q2 2026 investor presentation. The presentation highlights strong Q2 results: net income grew 30% YoY to $14.3M, net interest margin expanded 25 bps YoY to 3.89%, and ROAA improved to 1.34%. The filing is a routine investor relations update with no new material information beyond what was already reported.
Key Facts
- Net income of $14.3M in Q2 2026, up 30% from $11.0M in Q2 2025
- Net interest margin of 3.89%, up 25 bps YoY from 3.64%
- ROAA of 1.34% vs 1.06% in Q2 2025; ROAE of 10.23% vs 11.02%
- Total assets of $4.29B, total deposits of $3.46B, gross loans & leases of $3.25B
- Tangible book value per share of $20.43, up from $17.48 YoY
- Dividend payout ratio of 26.14%; quarterly dividend of $0.18 per share
- Price to tangible book value of 1.38x, below peer median of ~1.46x
- Company projects 10-12% total shareholder return driven by TBV growth and dividends
Financial Impact
Q2 2026 net income $14.3M (+30% YoY); NIM 3.89% (+25 bps YoY); ROAA 1.34% (+28 bps YoY)
Risk Factors
- CRE concentration at 264% of risk-based capital
- ROAE declined YoY from 11.02% to 10.23% due to equity issuance
- Non-performing assets at 0.71% of total assets
Investment Themes
Documents Analyzed
This report is based on 5 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001193125-26-395696 |
| Document: civb-ex99_1.htm | 0001193125-26-395696 |
| Document: 0001193125-26-395696-index-headers.html | 0001193125-26-395696 |
| Document: 0001193125-26-395696-index.html | 0001193125-26-395696 |
| Document: 0001193125-26-395696.txt | 0001193125-26-395696 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 23, 2026 4d ago | 8-K | $28.22 $28.16 | ▼ −0.21% | ▼ −0.77% | $28.16 (−0.21%) |
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 6d ago | 8-K | $28.15 $28.29 | ▲ +0.50% | ▲ +1.02% | $28.16 (+0.04%) |
Oct 21, 2026 6d 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 6w ago | 8-K | $27.16 $27.23 | ▲ +0.26% | ▼ −0.88% | $28.16 (+3.68%) |
US Market Status
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