Civista Bancshares Inc. (CIVB)
NASDAQ (CM) NASDAQ (CM) Primary 
XFRA 
Civista Bancshares: Mixed Performance Justifies Waiting
Civista Bancshares, Inc. reported strong Q4 results with $40.4 million in revenue and net income of $9.9 million, beating estimates by $0.10 per share. Loans and deposits grew significantly, with total loan balances up 7.7% and deposits rising 7.6% year-over-year, driven by commercial real estate and home construction loans. Despite a slight decline in net interest margin and return metrics, the bank's asset quality improved, with lower loan loss provisions and increased allowances for credit losses.
Civista Bancshares (CIVB) Reports Q4 Earnings: What Key Metrics Have to Say
While the top- and bottom-line numbers for Civista Bancshares (CIVB) give a sense of how the business performed in the quarter ended December 2024, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.
Civista Bancshares (CIVB) Surpasses Q4 Earnings and Revenue Estimates
Civista Bancshares (CIVB) came out with quarterly earnings of $0.63 per share, beating the Zacks Consensus Estimate of $0.53 per share. This compares to earnings of $0.62 per share a year ago.
All You Need to Know About Civista Bancshares (CIVB) Rating Upgrade to Strong Buy
Civista Bancshares (CIVB) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #1 (Strong Buy).
Are Investors Undervaluing Civista Bancshares (CIVB) Right Now?
Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
Civista Bancshares: Raising The Earnings Estimates And Maintaining A Buy Rating
As the average loan yield is stickier than the average deposit cost, the margin will benefit from interest rate cuts. I haven't incorporated planned tariffs in my rate outlook. Loan growth is unlikely to return to the enviable level achieved earlier this year because of an economic slowdown in Civista Bancshares' markets. I've raised my earnings estimates partly because the margin has performed better than expected.
Civista Bancshares, Inc. (CIVB) Q3 2024 Earnings Call Transcript
Civista Bancshares, Inc. (NASDAQ:CIVB ) Q3 2024 Earnings Conference Call October 29, 2024 1:00 PM ET Company Participants Dennis Shaffer - President & Chief Executive Officer Richard Dutton - Senior Vice President & Chief Operating Officer Chuck Parcher - Senior Vice President & Chief Lending Officer Ian Whinnem - Senior Vice President & Chief Financial Officer Mike Mulford - Chief Credit Officer. Conference Call Participants Justin Crowley - Piper Sandler Brendan Nosal - Hovde Group Terry McEvoy - Stephens Tim Switzer - KBW Manuel Navas - D.A.
Compared to Estimates, Civista Bancshares (CIVB) Q3 Earnings: A Look at Key Metrics
Although the revenue and EPS for Civista Bancshares (CIVB) give a sense of how its business performed in the quarter ended September 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
Civista Bancshares (CIVB) Beats Q3 Earnings and Revenue Estimates
Civista Bancshares (CIVB) came out with quarterly earnings of $0.53 per share, beating the Zacks Consensus Estimate of $0.44 per share. This compares to earnings of $0.66 per share a year ago.
Civista Bancshares: Margin Likely To Drive Earnings Recovery; Valuation Isn't Bad
As the balance sheet is liability-sensitive, the margin will benefit from a falling interest-rate environment. CIVB's loan growth has been quite healthy in the past and is likely to remain decent in the future. The December 2024 target price suggests a double-digit price upside from the current market price.
Civista Bancshares, Inc. (CIVB) Q2 2024 Earnings Call Transcript
Civista Bancshares, Inc. (NASDAQ:CIVB ) Q2 2024 Earnings Conference Call July 29, 2024 1:00 PM ET Company Participants Dennis Shaffer - President and Chief Executive Officer Richard Dutton - Senior Vice President and Chief Operating Officer Charles Parcher - Senior Vice President and Chief Lending Officer Michael Mulford - Senior Vice President and Chief Credit Officer Ian Whinnem - Interim Principal Accounting Officer, Senior VP and CFO Conference Call Participants Justin Crowley - Piper Sandler Brendan Nosal - Hovde Group Terry McEvoy - Stephens Tim Switzer - KBW Manuel Navas - D.A. Davidson Operator Before we begin, I would like to remind you that this conference call may contain forward-looking statements with respect to the future performance and financial condition of Civista Bancshares, Inc., that involve risks and uncertainties.
Civista Bancshares (CIVB) Reports Q2 Earnings: What Key Metrics Have to Say
While the top- and bottom-line numbers for Civista Bancshares (CIVB) give a sense of how the business performed in the quarter ended June 2024, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.
