Civista Bancshares Inc (CIVB) — Cash Flow Quality Index
Civista Bancshares Inc (CIVB) has a Cash Flow Quality Index of 0.95x as of December 2025. Operating cash flow of $11.64 Million is below net income of $12.27 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore Civista Bancshares Inc long-term investment allocation to see how much of total assets are deployed in long-term investments.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Civista Bancshares Inc Cash Flow Quality Index (1996–2025)
Historical Cash Flow Quality Index for Civista Bancshares Inc across 28 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check CIVB tangible net worth ratio to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for Civista Bancshares Inc (1996–2025)
Year-by-year earnings quality comparison for Civista Bancshares Inc. For live market cap and the full company financial profile, see CIVB stock market capitalisation.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 0.39x | $18.02 Million | $46.21 Million | ▼ -74.4% |
| 2024 | 1.52x | $48.25 Million | $31.68 Million | ▲ +4.3% |
| 2023 | 1.46x | $62.70 Million | $42.96 Million | ▲ +128.5% |
| 2022 | 0.64x | $25.18 Million | $39.43 Million | ▼ -36.5% |
| 2021 | 1.01x | $40.76 Million | $40.55 Million | ▲ +0.5% |
| 2020 | 1.00x | $32.21 Million | $32.19 Million | ▼ -14.2% |
| 2019 | 1.17x | $39.53 Million | $33.88 Million | ▼ -15.9% |
| 2018 | 1.39x | $19.62 Million | $14.14 Million | ▲ +5.8% |
| 2017 | 1.31x | $20.82 Million | $15.87 Million | ▲ +27.5% |
| 2016 | 1.03x | $17.71 Million | $17.22 Million | ▼ -13.0% |
| 2015 | 1.18x | $15.07 Million | $12.74 Million | ▼ -24.3% |
| 2014 | 1.56x | $14.89 Million | $9.53 Million | ▼ -24.6% |
| 2013 | 2.07x | $12.81 Million | $6.18 Million | ▼ -31.5% |
| 2012 | 3.03x | $16.89 Million | $5.58 Million | ▼ -42.5% |
| 2011 | 5.27x | $20.84 Million | $3.96 Million | ▲ +19.4% |
| 2009 | 4.41x | $7.30 Million | $1.66 Million | ▲ +743.3% |
| 2007 | 0.52x | $3.60 Million | $6.88 Million | ▼ -65.2% |
| 2006 | 1.50x | $9.26 Million | $6.16 Million | ▲ +16.5% |
| 2005 | 1.29x | $8.60 Million | $6.66 Million | ▲ +2.9% |
| 2004 | 1.25x | $6.04 Million | $4.81 Million | ▼ -23.4% |
| 2003 | 1.64x | $9.11 Million | $5.57 Million | ▲ +63.7% |
| 2002 | 1.00x | $7.13 Million | $7.13 Million | ▲ +15.6% |
| 2001 | 0.87x | $4.58 Million | $5.29 Million | ▼ -18.4% |
| 2000 | 1.06x | $6.04 Million | $5.69 Million | ▼ -12.5% |
| 1999 | 1.21x | $7.34 Million | $6.06 Million | ▲ +110.6% |
| 1998 | 0.58x | $3.31 Million | $5.76 Million | ▼ -50.6% |
| 1997 | 1.16x | $4.00 Million | $3.43 Million | ▼ -9.9% |
| 1996 | 1.29x | $5.12 Million | $3.96 Million | — |