Sep 2026 (Q3 FY26) — Oct 22, 2026
Civista Bancshares Q3 FY26 — Strong Earnings Growth and NIM Expansion
Read the full callCivista Bancshares earnings: last reported Thu, 22 Oct 2026, for the quarter ended Sep 2026.
Reported
Each figure keeps its basis and period; nothing is filled in.
| Metric | Value | Change | Basis | Period | Note |
|---|---|---|---|---|---|
| Revenue | 5.7 | +10.8% YoY | Quarterly, as filed | Quarter to Jun 2026 | Revenue from operations as filed. |
| Operating margin | Operating profit / revenue | Quarter to Jun 2026 | Not in the filed figures for the quarter to jun 2026. No older figure is substituted. | ||
| Net profit | 14.3 | +30.0% YoY | Quarterly, as filed | Quarter to Jun 2026 | Profit after tax as filed. |
Guidance
3 of 3 judged targets kept · 9 open · verdicts reflect calls analysed to Sep 2026.
| Target | Original wording | Said | Latest call | Verdict |
|---|---|---|---|---|
| Net interest margin | flat from Q2 2026, plus or minus 1 to 2 basis points | Jun 2026 | our net interest margin expanded by 4 basis points over our linked quarter to 3.93% | Achieved |
| Net interest margin | upper 3.80s to low 3.90s | Jun 2026 | Going forward, we anticipate probably plus or minus 1 to 2 basis points above where we came in for third quarter, including that offset for the subject. | Revised Up |
| Brokered deposit reduction | $25 million | Jun 2026 | we were able to further reduce our dependence on broker deposits by $25 million during the quarter. | On Track |
9 of CIVISTA BANCSHARES, INC.'s 12 targets are still open. See which are on track and which have gone quiet. The 3 above are the free sample; 9 more targets are in the full ledger.
Claimed
Qualified
Price
1Y: $21.55 on 22 Oct 2025 → $28.29. High $29.3 (28 Jul 2026), low $21.18 (18 Nov 2025).
Overview
Guidance
3 of 3 judged targets kept · 9 open · verdicts reflect calls analysed to Sep 2026.
| Target | Original wording | Said | Latest call | Verdict |
|---|---|---|---|---|
| Net interest margin | flat from Q2 2026, plus or minus 1 to 2 basis points | Jun 2026 | our net interest margin expanded by 4 basis points over our linked quarter to 3.93% | Achieved |
| Net interest margin | upper 3.80s to low 3.90s | Jun 2026 | Going forward, we anticipate probably plus or minus 1 to 2 basis points above where we came in for third quarter, including that offset for the subject. | Revised Up |
| Brokered deposit reduction | $25 million | Jun 2026 | we were able to further reduce our dependence on broker deposits by $25 million during the quarter. | On Track |
Claimed
Qualified
The full ledger
A free account opens 5 company ledgers a month. All 12 tracked commitments, with each call’s wording and source.
Call summaries
Civista Bancshares Q3 FY26 — Strong Earnings Growth and NIM Expansion
Read the full callCivista Bancshares Q2 FY26 — Strong PPNR Growth and NIM Expansion
Read the full callEvery analysed call
Financials
Net profit, year on year: +30% (quarter to jun 2026 against jun 2025).
| Line item | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 5 | 2 | 5 | 5 | 6 | — | 5 | 6 |
| Profit before tax | 10 | 11 | 12 | 13 | 16 | 15 | 18 | 17 |
| Tax rate | 15.6% | 13.1% | 14.8% | 14.6% | 18.5% | 16.8% | 16.8% | 16.7% |
| Net profit | 8 | 10 | 10 | 11 | 13 | 12 | 15 | 14 |
| EPS ($ per share) | 0.53 | — | 0.66 | 0.71 | 0.68 | — | 0.72 | 0.69 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Equity capital | 267 | 276 | 277 | 278 | 310 | 311 | 312 | 420 |
| Reserves | 41 | 68 | 93 | 126 | 156 | 184 | 205 | 240 |
| Total liabilities | 1,840 | 1,979 | 2,419 | 2,658 | 3,305 | 3,489 | 3,710 | 3,793 |
| Fixed assets | 22 | 23 | 23 | 22 | 64 | 57 | 47 | 41 |
| Total assets | 2,139 | 2,310 | 2,769 | 3,013 | 3,639 | 3,861 | 4,098 | 4,336 |
| Line item | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|
| Cash from operations | 20 | 39 | 33 | 41 | 25 | 63 | 48 | 43 |
| Cash from investing | -34 | -151 | -341 | -130 | -410 | -312 | -259 | 56 |
| Cash from financing | 16 | 117 | 399 | 217 | 164 | 266 | 213 | -85 |
| Net cash flow | 2 | 5 | 90 | 127 | -221 | 17 | 3 | 14 |
| Capital expenditure | -1 | -3 | -2 | -2 | -7 | -3 | -4 | -1 |
| Free cash flow | 18 | 36 | 31 | 39 | 19 | 59 | 44 | 42 |
| KPI | Jun 2026 Q2 FY26 | Sep 2026 Q3 FY26 | Change vs prior quarter |
|---|---|---|---|
| Net interest margin | 3.89%Our net interest margin expanded by 4 basis points to 3.89% as we continued our disciplined approach to managing our asset pricing and funding costs.Source: earnings call transcript | 3.93%As a result, our net interest margin expanded by 4 basis points over our linked quarter to 3.93%, and by 35 basis points over the prior year's first 9 months.Source: earnings call transcript | 0 pt |
Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.
56 filings between Nov 18, 2025 and Sep 23, 2026.
Purchases
$32.2K
3 purchases by 2 insiders
Sales
None
No insider sold shares.
Also filed: 20 other filings, 4 dispositions to the issuer.
| Insider | Bought | Sold | Last filing |
|---|---|---|---|
| Weaks Nathan E | $21.5K | — | Nov 18, 2025 |
| Parcher Charles A. | $10.7K | — | Sep 23, 2026 |
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| Sep 23, 2026 | Parcher Charles A. President | Purchase | 315 | $8.4K |
| Sep 23, 2026 | Parcher Charles A. President | Purchase | 85 | $2.3K |
| Aug 7, 2026 | Doucette Veronica G SVP/Human Resources Officer | Disposition to issuer | 528 | $15.0K |
| Jul 29, 2026 | Macioce Mark J. Director | Disposition to issuer | 58 | $1.7K |
| Jun 8, 2026 | WURM GERALD B Insider | Award | 1,210 | $0 |
| Jun 8, 2026 | PERFECT CLYDE A JR Insider | Award | 1,210 | $0 |
| Jun 8, 2026 | Congrove Darci L Director | Award | 1,210 | $0 |
| Jun 8, 2026 | Mattlin Julie A Director | Award | 1,210 | $0 |
| Jun 8, 2026 | Wise Lorina W Director | Award | 1,210 | $0 |
| Jun 8, 2026 | Macioce Mark J. Director | Award | 1,210 | $0 |
| Jun 8, 2026 | Singer Harry Director | Award | 1,210 | $0 |
| Jun 8, 2026 | Weaks Nathan E Insider | Award | 1,210 | $0 |
| Jun 8, 2026 | Oliver Mary Patricia Director | Award | 1,210 | $0 |
| May 19, 2026 | WURM GERALD B Insider | Other | 299 | $0 |
| May 19, 2026 | WURM GERALD B Insider | Other | 729 | $0 |
| May 19, 2026 | Macioce Mark J. Director | Other | 22 | $0 |
| May 19, 2026 | Oliver Mary Patricia Director | Other | 55 | $0 |
| May 19, 2026 | Singer Harry Director | Other | 67 | $0 |
| Apr 29, 2026 | Singer Harry Director | Disposition to issuer | 7,900 | $195.7K |
| Apr 28, 2026 | Macioce Mark J. Director | Disposition to issuer | 250 | $6.3K |
| Mar 11, 2026 | Doucette Veronica G SVP/Human Resources Officer | Award | 908 | $0 |
| Mar 11, 2026 | MULFORD MICHAEL D. Senior Vice President | Award | 1,361 | $0 |
| Mar 11, 2026 | Morrison Lance A. SVP, Legal Counsel | Award | 1,581 | $0 |
| Mar 11, 2026 | Shaffer Dennis G CEO | Award | 6,685 | $0 |
| Mar 11, 2026 | KESSLER CARL A III Senior Vice President | Award | 1,614 | $0 |
| Mar 11, 2026 | Katitus Robert L SVP/CLO | Award | 1,544 | $0 |
| Mar 11, 2026 | DUTTON RICHARD J Senior Vice President | Award | 3,154 | $0 |
| Mar 11, 2026 | Whinnem Ian SVP/CFO | Award | 2,313 | $0 |
| Mar 11, 2026 | Waltz-Jaskolski Donna M. Senior Vice President | Award | 1,176 | $0 |
| Mar 11, 2026 | EDWARDS RUSSELL L JR Senior Vice President | Award | 1,121 | $0 |
| Mar 11, 2026 | CURRY ROBERT L JR Senior Vice President | Award | 1,323 | $0 |
| Mar 11, 2026 | Parcher Charles A. President | Award | 4,376 | $0 |
| Feb 24, 2026 | Singer Harry Director | Other | 70 | $0 |
| Feb 24, 2026 | Oliver Mary Patricia Director | Other | 57 | $0 |
| Feb 24, 2026 | WURM GERALD B Insider | Other | 317 | $0 |
| Feb 24, 2026 | Macioce Mark J. Director | Other | 22 | $0 |
| Feb 24, 2026 | WURM GERALD B Insider | Other | 772 | $0 |
| Feb 24, 2026 | Parcher Charles A. President | Other | 127 | $0 |
| Feb 24, 2026 | Shaffer Dennis G CEO | Other | 58 | $0 |
| Feb 24, 2026 | Shaffer Dennis G CEO | Other | 274 | $0 |
| Feb 24, 2026 | CURRY ROBERT L JR Senior Vice President | Other | 11 | $0 |
| Feb 24, 2026 | DUTTON RICHARD J Senior Vice President | Other | 57 | $0 |
| Feb 24, 2026 | DUTTON RICHARD J Senior Vice President | Other | 105 | $0 |
| Feb 24, 2026 | DUTTON RICHARD J Senior Vice President | Other | 60 | $0 |
| Feb 24, 2026 | Waltz-Jaskolski Donna M. Senior Vice President | Other | 30 | $0 |
| Feb 24, 2026 | Parcher Charles A. President | Other | 11 | $0 |
| Feb 24, 2026 | Shaffer Dennis G CEO | Other | 11 | $0 |
| Jan 2, 2026 | EDWARDS RUSSELL L JR Senior Vice President | Tax withheld | 337 | $0 |
| Jan 2, 2026 | KESSLER CARL A III Senior Vice President | Tax withheld | 467 | $0 |
| Jan 2, 2026 | CURRY ROBERT L JR Senior Vice President | Tax withheld | 354 | $0 |
Source: SEC Form 4 filings. Form 4 reports transactions, not the cap table — absence of filings says nothing about how much an insider owns, and a quiet window is not a signal.
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