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 CIVB operating cash to total liabilities to assess how comfortably operating cash covers total debt obligations.
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. For the full cash flow conversion analysis, see Civista Bancshares Inc operating cash flow efficiency.
Annual Cash Flow Quality Index for Civista Bancshares Inc (1996–2025)
Year-by-year earnings quality comparison for Civista Bancshares Inc.
| 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 | — |