CIVISTA BANCSHARES, INC. — Form 8-K
Filed October 22, 2026 · analyzed by the 8-K Agent
8-K
▲ Likely positive
significance 28/100
What the filing says
Civista Bancshares reported Q3 2026 net income of $16.0 million ($0.77 diluted EPS), up $3.3 million (25.5%) from Q3 2025's $12.8 million. Net interest margin expanded 35 basis points to 3.93% YoY, with cost of funds declining 30 bps. Total loans increased $38.0 million (1.2%) sequentially; efficiency ratio improved to 55.3% from 61.4% YoY. Company declared $0.18/share quarterly dividend (annualized 2.73% yield). Nine-month 2026 net income: $45.3 million ($2.18 diluted EPS) vs. $33.9 million ($2.04) in 9M 2025.
Why this rating
Earnings growth is modest relative to $4.3B asset base (0.37% quarterly return on assets). Results reflect FSB merger integration benefits, but absolute profit scale unchanged.
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