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 cash conversion from operations to assess how effectively this company generates cash.
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 Civista Bancshares Inc (CIVB) total reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
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 market cap.
| 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 | — |