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Civista Bancshares (CIVB) Reports Q3 Earnings: What Key Metrics Have to Say
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Civista Bancshares (CIVB - Free Report) reported $49.08 million in revenue for the quarter ended September 2026, representing a year-over-year increase of 11.1%. EPS of $0.77 for the same period compares to $0.68 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $48.46 million, representing a surprise of +1.29%. The company delivered an EPS surprise of +10%, with the consensus EPS estimate being $0.70.
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): 55.3% compared to the 61.1% average estimate based on four analysts.
Net interest margin (tax equivalent): 3.9% compared to the 3.9% average estimate based on four analysts.
Average Balance - Total interest-earning assets: $3.99 billion versus the three-analyst average estimate of $4.02 billion.
Net Interest Income: $39.43 million versus the four-analyst average estimate of $39.23 million.
Total Noninterest Income: $9.65 million versus $9.23 million estimated by four analysts on average.
Wealth management fees: $1.46 million compared to the $1.47 million average estimate based on two analysts.
Bank owned life insurance: $0.41 million compared to the $0.39 million average estimate based on two analysts.
ATM/Interchange fees: $1.55 million compared to the $1.57 million average estimate based on two analysts.
Service charges: $1.84 million versus $1.9 million estimated by two analysts on average.
Shares of Civista Bancshares have returned +0.6% over the past month versus the Zacks S&P 500 composite's no change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.
View the Zacks #1 Rank List
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Civista Bancshares (CIVB) Reports Q3 Earnings: What Key Metrics Have to Say
Civista Bancshares (CIVB - Free Report) reported $49.08 million in revenue for the quarter ended September 2026, representing a year-over-year increase of 11.1%. EPS of $0.77 for the same period compares to $0.68 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $48.46 million, representing a surprise of +1.29%. The company delivered an EPS surprise of +10%, with the consensus EPS estimate being $0.70.
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:View all Key Company Metrics for Civista Bancshares here>>>
Shares of Civista Bancshares have returned +0.6% over the past month versus the Zacks S&P 500 composite's no change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.