Civista Bancshares, Inc. (CIVB)

Over the past six months, Civista Bancshares completed its merger with The Farmers Savings Bank, expanding its community banking footprint in Northeast Ohio. The company announced its third, second, and first-quarter 2025 financial results, reporting increases in earnings per common share compared to the previous year. A fourth-quarter common dividend was declared. As of November 21, 2025, the stock price was $22.46 per share, with analysts issuing a "Hold" consensus rating. Robert L. Katitus was promoted to Senior Vice President and Chief Lending Officer.

The demand for Civista Bancshares, Inc.'s products and services exhibits some seasonality, particularly in income tax refund processing, mortgage banking, and real estate construction loans. Service charges and interchange revenue have been impacted by past events like the pandemic, and business accounts have seen growth due to factors like PPP loan proceeds.

Civista Bancshares, Inc. operates as a financial holding company for Civista Bank, providing community banking services in the United States. The company offers retail banking, commercial lending, wealth management services, and other services such as safe deposit boxes, wire transfers, and internet banking. The company also holds and manages a securities portfolio.

Civista Bancshares, Inc. is headquartered in Sandusky, Ohio, and operates 44 locations across Ohio, Southeastern Indiana, and Northern Kentucky through Civista Bank. The bank has expanded into Medina and Lorain Counties in Northeast Ohio through recent mergers. The Civista Leasing and Finance Division, offering commercial equipment leasing, is headquartered in Pittsburgh, Pennsylvania, and serves businesses nationwide.

There is no explicit section detailing Civista Bancshares, Inc.'s brand reputation in the past year. However, the company's consistent community banking focus, strategic mergers, and emphasis on building long-term relationships suggest a positive local brand perception. The successful completion of the merger with The Farmers Savings Bank indicates a positive reception of its growth initiatives.

Civista Bancshares, Inc. has 292 institutional owners and shareholders, holding a total of 15,202,612 shares, representing 52.10% of the company's stock. Major institutional owners include Vanguard Group Inc., Dimensional Fund Advisors LP, and Endeavour Capital Advisors Inc. Dennis Shaffer, the CEO, directly owns 0.22% of the company's shares.