Civista Bancshares Inc (CIVB) — Financial Flexibility Index
Civista Bancshares Inc (CIVB) has a Financial Flexibility Index of 0.00x as of December 2025. Free cash flow of $12.18 Million (operating CF $11.64 Million minus capex $542.00K) represents 0% of total liabilities ($3.79 Billion). Check how aggressively does Civista Bancshares Inc reinvest cash to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Civista Bancshares Inc Financial Flexibility Index (1996–2025)
Historical Financial Flexibility Index trend for Civista Bancshares Inc across 30 annual periods. For the full cash flow conversion analysis, see Civista Bancshares Inc (CIVB) cash flow conversion.
Annual Financial Flexibility Index for Civista Bancshares Inc (1996–2025)
Year-by-year free cash flow to debt coverage for Civista Bancshares Inc. Explore CIVB debt coverage from operations to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.01x | $19.18 Million | $18.02 Million | $3.79 Billion | ▼ -64.2% |
| 2024 | 0.01x | $52.43 Million | $48.25 Million | $3.71 Billion | ▼ -25.4% |
| 2023 | 0.02x | $66.13 Million | $62.70 Million | $3.49 Billion | ▲ +91.5% |
| 2022 | 0.01x | $31.69 Million | $25.18 Million | $3.20 Billion | ▼ -38.4% |
| 2021 | 0.02x | $42.69 Million | $40.76 Million | $2.66 Billion | ▲ +13.7% |
| 2020 | 0.01x | $34.18 Million | $32.21 Million | $2.42 Billion | ▼ -34.5% |
| 2019 | 0.02x | $42.73 Million | $39.53 Million | $1.98 Billion | ▲ +88.3% |
| 2018 | 0.01x | $21.10 Million | $19.62 Million | $1.84 Billion | ▼ -29.6% |
| 2017 | 0.02x | $21.83 Million | $20.82 Million | $1.34 Billion | ▲ +0.2% |
| 2016 | 0.02x | $20.15 Million | $17.71 Million | $1.24 Billion | ▲ +13.1% |
| 2015 | 0.01x | $17.07 Million | $15.07 Million | $1.19 Billion | ▲ +2.5% |
| 2014 | 0.01x | $15.37 Million | $14.89 Million | $1.10 Billion | ▲ +4.3% |
| 2013 | 0.01x | $13.97 Million | $12.81 Million | $1.04 Billion | ▼ -22.0% |
| 2012 | 0.02x | $17.80 Million | $16.89 Million | $1.03 Billion | ▼ -21.2% |
| 2011 | 0.02x | $22.09 Million | $20.84 Million | $1.01 Billion | ▼ -3.3% |
| 2010 | 0.02x | $22.68 Million | $21.49 Million | $1.00 Billion | ▲ +189.7% |
| 2009 | 0.01x | $7.83 Million | $7.30 Million | $1.00 Billion | ▼ -63.0% |
| 2008 | 0.02x | $20.62 Million | $19.81 Million | $976.99 Million | ▲ +349.0% |
| 2007 | 0.00x | $4.67 Million | $3.60 Million | $993.10 Million | ▼ -67.4% |
| 2006 | 0.01x | $9.66 Million | $9.26 Million | $669.51 Million | ▼ -3.7% |
| 2005 | 0.01x | $9.95 Million | $8.60 Million | $663.83 Million | ▲ +63.9% |
| 2004 | 0.01x | $6.67 Million | $6.04 Million | $729.30 Million | ▼ -58.1% |
| 2003 | 0.02x | $12.37 Million | $9.11 Million | $567.30 Million | ▲ +60.8% |
| 2002 | 0.01x | $7.87 Million | $7.13 Million | $579.95 Million | ▲ +14.2% |
| 2001 | 0.01x | $5.21 Million | $4.58 Million | $438.94 Million | ▼ -22.6% |
| 2000 | 0.02x | $6.77 Million | $6.04 Million | $441.33 Million | ▼ -25.8% |
| 1999 | 0.02x | $8.77 Million | $7.34 Million | $424.02 Million | ▲ +127.9% |
| 1998 | 0.01x | $4.13 Million | $3.31 Million | $455.15 Million | ▼ -41.5% |
| 1997 | 0.02x | $4.51 Million | $4.00 Million | $291.07 Million | ▼ -30.9% |
| 1996 | 0.02x | $6.02 Million | $5.12 Million | $268.35 Million | — |