Civista Bancshares Inc (CIVB) - Net Assets
Based on the latest financial reports, Civista Bancshares Inc (CIVB) has net assets worth $543.47 Million USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($4.34 Billion) and total liabilities ($3.79 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check Civista Bancshares Inc (CIVB) asset resilience to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $543.47 Million |
| % of Total Assets | 12.53% |
| Annual Growth Rate | 9.98% |
| 5-Year Change | 53.0% |
| 10-Year Change | 294.92% |
| Growth Volatility | 22.96 |
Civista Bancshares Inc - Net Assets Trend (1996–2025)
This chart illustrates how Civista Bancshares Inc's net assets have evolved over time, based on quarterly financial data. Also explore how large is Civista Bancshares Inc's balance sheet for the complete picture of this company's asset base.
Annual Net Assets for Civista Bancshares Inc (1996–2025)
The table below shows the annual net assets of Civista Bancshares Inc from 1996 to 2025. For live valuation and market cap data, see Civista Bancshares Inc market cap and net worth.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $543.47 Million | +39.89% |
| 2024-12-31 | $388.50 Million | +4.44% |
| 2023-12-31 | $372.00 Million | +11.10% |
| 2022-12-31 | $334.84 Million | -5.74% |
| 2021-12-31 | $355.21 Million | +1.46% |
| 2020-12-31 | $350.11 Million | +6.05% |
| 2019-12-31 | $330.13 Million | +10.45% |
| 2018-12-31 | $298.90 Million | +62.04% |
| 2017-12-31 | $184.46 Million | +34.04% |
| 2016-12-31 | $137.62 Million | +9.16% |
| 2015-12-31 | $126.07 Million | +6.92% |
| 2014-12-31 | $117.91 Million | -8.15% |
| 2013-12-31 | $128.38 Million | +23.46% |
| 2012-12-31 | $103.98 Million | +1.42% |
| 2011-12-31 | $102.53 Million | +5.75% |
| 2010-12-31 | $96.95 Million | -1.87% |
| 2009-12-31 | $98.80 Million | +28.95% |
| 2008-12-31 | $76.62 Million | -39.27% |
| 2007-12-31 | $126.16 Million | +58.74% |
| 2006-12-31 | $79.47 Million | -8.77% |
| 2005-12-31 | $87.11 Million | -1.25% |
| 2004-12-31 | $88.21 Million | +27.61% |
| 2003-12-31 | $69.12 Million | -3.58% |
| 2002-12-31 | $71.69 Million | +47.12% |
| 2001-12-31 | $48.73 Million | +1.67% |
| 2000-12-31 | $47.92 Million | -0.56% |
| 1999-12-31 | $48.20 Million | -10.32% |
| 1998-12-31 | $53.74 Million | +54.22% |
| 1997-12-31 | $34.85 Million | +1.22% |
| 1996-12-31 | $34.43 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Civista Bancshares Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 1161.7% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $239.78 Million | 44.12% |
| Common Stock | $419.77 Million | 77.24% |
| Other Comprehensive Income | $-40.31 Million | -7.42% |
| Total Equity | $543.47 Million | 100.00% |
Civista Bancshares Inc Competitors by Market Cap
The table below lists competitors of Civista Bancshares Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Peapack-Gladstone Financial
NASDAQ:PGC
|
$596.09 Million |
|
Corsair Gaming Inc
NASDAQ:CRSR
|
$596.24 Million |
|
Jiangsu Wuyang Parking Industry Group Co Ltd
SHE:300420
|
$596.27 Million |
|
YaGuang Technology Group Co Ltd
SHE:300123
|
$596.61 Million |
|
Regal Partners Ltd
AU:RPL
|
$595.86 Million |
|
Uxin Ltd
NASDAQ:UXIN
|
$595.83 Million |
|
Guizhou Taiyong Changzheng Technology Co Ltd Class A
SHE:002927
|
$595.72 Million |
|
D&O Home Collection Co Ltd
SHE:002798
|
$595.69 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Civista Bancshares Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 388,502,000 to 543,474,000, a change of 154,972,000 (39.9%).
- Net income of 46,212,000 contributed positively to equity growth.
- Dividend payments of 11,836,000 reduced retained earnings.
- Share repurchases of 178,000 reduced equity.
- New share issuances of 75,666,000 increased equity.
- Other comprehensive income increased equity by 13,042,000.
- Other factors increased equity by 32,066,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $46.21 Million | +8.5% |
| Dividends Paid | $11.84 Million | -2.18% |
| Share Repurchases | $178.00K | -0.03% |
| Share Issuances | $75.67 Million | +13.92% |
| Other Comprehensive Income | $13.04 Million | +2.4% |
| Other Changes | $32.07 Million | +5.9% |
| Total Change | $- | 39.89% |
Book Value vs Market Value Analysis
This analysis compares Civista Bancshares Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.81x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 2.22x to 0.81x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1996-12-31 | $11.29 | $25.07 | x |
| 1997-12-31 | $11.47 | $25.07 | x |
| 1998-12-31 | $12.59 | $25.07 | x |
| 1999-12-31 | $11.37 | $25.07 | x |
| 2000-12-31 | $11.70 | $25.07 | x |
| 2001-12-31 | $11.97 | $25.07 | x |
| 2002-12-31 | $14.90 | $25.07 | x |
| 2003-12-31 | $13.71 | $25.07 | x |
| 2004-12-31 | $16.91 | $25.07 | x |
| 2005-12-31 | $15.00 | $25.07 | x |
| 2006-12-31 | $14.40 | $25.07 | x |
| 2007-12-31 | $22.92 | $25.07 | x |
| 2008-12-31 | $9.94 | $25.07 | x |
| 2009-12-31 | $12.82 | $25.07 | x |
| 2010-12-31 | $12.58 | $25.07 | x |
| 2011-12-31 | $13.30 | $25.07 | x |
| 2012-12-31 | $13.49 | $25.07 | x |
| 2013-12-31 | $16.66 | $25.07 | x |
| 2014-12-31 | $10.81 | $25.07 | x |
| 2015-12-31 | $11.55 | $25.07 | x |
| 2016-12-31 | $12.57 | $25.07 | x |
| 2017-12-31 | $14.93 | $25.07 | x |
| 2018-12-31 | $21.57 | $25.07 | x |
| 2019-12-31 | $19.59 | $25.07 | x |
| 2020-12-31 | $21.77 | $25.07 | x |
| 2021-12-31 | $23.15 | $25.07 | x |
| 2022-12-31 | $22.37 | $25.07 | x |
| 2023-12-31 | $24.55 | $25.07 | x |
| 2024-12-31 | $25.22 | $25.07 | x |
| 2025-12-31 | $31.04 | $25.07 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Civista Bancshares Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 8.50%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 18.13%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 7.98x
- Recent ROE (8.50%) is above the historical average (6.34%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1996 | 11.52% | 30.43% | 0.04x | 8.79x | $522.16K |
| 1997 | 9.86% | 24.09% | 0.04x | 9.35x | $-50.45K |
| 1998 | 10.72% | 24.12% | 0.05x | 9.47x | $386.57K |
| 1999 | 12.58% | 15.71% | 0.08x | 9.80x | $1.24 Million |
| 2000 | 11.88% | 14.28% | 0.08x | 10.21x | $899.50K |
| 2001 | 10.86% | 12.76% | 0.09x | 10.01x | $420.30K |
| 2002 | 9.94% | 16.64% | 0.07x | 9.09x | $-41.90K |
| 2003 | 8.05% | 13.58% | 0.06x | 9.21x | $-1.35 Million |
| 2004 | 5.46% | 12.02% | 0.05x | 9.27x | $-4.01 Million |
| 2005 | 7.64% | 13.24% | 0.07x | 8.62x | $-2.05 Million |
| 2006 | 7.75% | 11.72% | 0.07x | 9.42x | $-1.79 Million |
| 2007 | 5.46% | 11.98% | 0.05x | 8.87x | $-5.73 Million |
| 2008 | -50.87% | -53.96% | 0.07x | 13.75x | $-46.64 Million |
| 2009 | 1.68% | 2.53% | 0.06x | 11.16x | $-8.22 Million |
| 2010 | -1.31% | -2.05% | 0.06x | 11.35x | $-10.96 Million |
| 2011 | 3.86% | 6.79% | 0.05x | 10.86x | $-6.29 Million |
| 2012 | 5.37% | 9.73% | 0.05x | 10.93x | $-4.82 Million |
| 2013 | 4.81% | 10.98% | 0.05x | 9.09x | $-6.66 Million |
| 2014 | 8.08% | 16.14% | 0.05x | 10.30x | $-2.26 Million |
| 2015 | 10.11% | 19.82% | 0.05x | 10.43x | $137.90K |
| 2016 | 12.51% | 24.92% | 0.05x | 10.01x | $3.46 Million |
| 2017 | 8.60% | 21.43% | 0.05x | 8.27x | $-2.57 Million |
| 2018 | 4.73% | 15.58% | 0.04x | 7.16x | $-15.75 Million |
| 2019 | 10.26% | 28.56% | 0.05x | 7.00x | $865.40K |
| 2020 | 9.19% | 25.51% | 0.05x | 7.91x | $-2.82 Million |
| 2021 | 11.41% | 30.21% | 0.04x | 8.48x | $5.02 Million |
| 2022 | 11.78% | 25.77% | 0.04x | 10.57x | $5.94 Million |
| 2023 | 11.55% | 19.76% | 0.06x | 10.38x | $5.76 Million |
| 2024 | 8.16% | 13.10% | 0.06x | 10.55x | $-7.17 Million |
| 2025 | 8.50% | 18.13% | 0.06x | 7.98x | $-8.14 Million |
Industry Comparison
This section compares Civista Bancshares Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $519,829,600
- Average return on equity (ROE) among peers: 6.05%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Civista Bancshares Inc (CIVB) | $543.47 Million | 11.52% | 6.98x | $596.01 Million |
| Ameris Bancorp (ABCB) | $514.76 Million | 7.94% | 9.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $148.70 Million | 9.23% | 10.41x | $5.70 Billion |
| ACNB Corporation (ACNB) | $93.75 Million | 8.98% | 9.33x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $76.38 Million | 0.59% | 3.01x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $96.99 Million | 6.06% | 10.54x | $647.19 Million |
| Amalgamated Bank (AMAL) | $585.36 Million | 15.03% | 12.62x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $577.58 Million | -0.30% | 12.45x | $962.39 Million |
| Arrow Financial Corporation (AROW) | $249.60 Million | 11.75% | 10.06x | $601.02 Million |
| Associated Banc-Corp (ASB) | $2.74 Billion | -4.81% | 7.35x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $116.55 Million | 6.07% | 10.46x | $62.60 Million |
About Civista Bancshares Inc
Civista Bancshares, Inc. operates as the financial holding company for Civista Bank that provides banking services in the United States. The company offers personal and commercial checking accounts; retirement, money market, time, and savings accounts; safe deposit boxes; wire transfers; and automated teller services. It also provides internet banking; ACH origination; telephone banking; and mobi… Read more