For the quarter ended December 2025, Civista Bancshares (CIVB Quick QuoteCIVB - Free Report) reported revenue of $46.34 million, up 14.8% over the same period last year. EPS came in at $0.75, compared to $0.63 in the year-ago quarter.

The reported revenue represents a surprise of +2.06% over the Zacks Consensus Estimate of $45.4 million. With the consensus EPS estimate being $0.61, the EPS surprise was +22.29%.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Civista Bancshares performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Efficiency ratio (non-GAAP): 57.7% compared to the 63.3% average estimate based on two analysts.
• Net interest margin (tax equivalent): 3.7% versus the two-analyst average estimate of 3.6%.
• Average Balance - Total interest-earning assets: $3.94 billion compared to the $3.95 billion average estimate based on two analysts.
• Net Interest Income: $36.45 million compared to the $35.8 million average estimate based on two analysts.
• Net gain on sale of loans: $1.59 million versus $1.3 million estimated by two analysts on average.
• Total Noninterest Income: $9.88 million versus the two-analyst average estimate of $9.18 million.

View all Key Company Metrics for Civista Bancshares here>>>

Shares of Civista Bancshares have returned +4.8% over the past month versus the Zacks S&P 500 composite's +0.8% change. The stock currently has a Zacks Rank #5 (Strong Sell), indicating that it could underperform the broader market in the near term.