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 CIVB strategic assets to equity ratio to assess the company's strategic physical and investment asset allocation.
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. See Civista Bancshares Inc current assets vs equity to evaluate short-term liquidity relative to the company's equity base.
Annual Financial Flexibility Index for Civista Bancshares Inc (1996–2025)
Year-by-year free cash flow to debt coverage for Civista Bancshares Inc. For the full company profile including market capitalisation, see CIVB market cap.
| 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 | — |