What is the 13F Pro Quality Score for CIVB?

13F Pro ranks CIVISTA BANCSHARES, INC. (CIVB) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View CIVB's current score at https://13fpro.ai/research/CIVB (free sign-up required for the full ranking).

Where does 13F Pro source CIVB data?

All CIVISTA BANCSHARES, INC. fundamentals and ownership data come directly from SEC EDGAR. CIVISTA BANCSHARES, INC. files with the SEC under CIK 944745. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is CIVB in?

CIVISTA BANCSHARES, INC. (CIVB) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is CIVB research updated on 13F Pro?

CIVB's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

CIVISTA BANCSHARES, INC.(CIVB)Stock Analysis

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13F Pro Quality Score

52.5/100

Rank #1,343 of 2,879 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

14.4/100

Profitability

97.6/100

Balance Sheet

44.9/100

Earnings Quality

56.8/100

Free Cash Flow

97.2/100

Institutional Flow

74.2/100

Revenue Scale

5.6/100

Dilution Risk

27.4/100

CIVB Stock Analysis & AI Quality Score

AI stock analysis and institutional research for CIVISTA BANCSHARES, INC. (CIVB), a Financials sector company. 13F Pro's AI-powered ranking engine scores CIVB at 52.5/100 on a 32-signal composite quality model, placing it at rank #1,343 of 2,879 stocks — the top half of the AI-ranked universe. CIVB scores in the top quartile across profitability (97.6), free cash flow (97.2). Areas of concern include revenue scale (5.6) and revenue growth (14.4), which score below median versus the broader universe. Shareholder dilution risk is elevated at 27.4/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), CIVISTA BANCSHARES, INC. reports quarterly revenue of $47.3M, net income of $15.0M, an operating margin of 38.1%. Top institutional holders of CIVB by reported 13-F value include BlackRock,, WELLINGTON MANAGEMENT GROUP LLP, DIMENSIONAL FUND ADVISORS, based on the most recent SEC filings. CIVB trades on the Nasdaq exchange and files with the SEC under CIK 944745. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate CIVB daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for CIVISTA BANCSHARES, INC. directly from SEC EDGAR. CIVISTA BANCSHARES, INC.'s 13F Pro composite quality score has ranged between 8 and 68 since 2021, currently 52.5 — a declining long-term trajectory across 56 quarterly and live scoring snapshots.

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Fun facts about CIVISTA BANCSHARES, INC.

Quirks, history, and lore behind CIVB — the kind of stuff that makes a stock memorable.

1
The Basics
A U.S. community bank holding company · listed on Nasdaq · operating across Ohio and neighboring Midwestern states.
2
The Numbers
Total assets in the range of $2–3 billion — solidly mid-sized for a community bank — with a network of branches serving retail and commercial customers across its region.
3
The History
Rooted in northern Ohio banking tradition, the company grew through acquisitions and organic expansion over decades, picking up community banks the way Midwesterners pick up casserole dishes — quietly and practically.
4
The Secret
Beyond vanilla deposits and loans, it offers mortgage banking, wealth management, and treasury services — a full-service regional bank dressed in small-town clothes.
5
The Lore
Headquartered in Sandusky, Ohio — yes, the roller-coaster capital of the world — this bank is arguably the most financially serious thing in a city famous for Cedar Point amusement park.
6
The Giveaway
Its ticker is just four letters that rhyme with its own name: a Ohio-based bancshares company whose stock symbol and corporate identity are practically one and the same syllable.

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Revenue

Q1 2026

$47.3M

Net Income

Q1 2026

$15.0M

Free Cash Flow

Q1 2026

$12.2M

Operating Margin

Q1 2026

38.1%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

-0.5% YoY

$19.0MFY 2025

FY22 $24.5MFY23 $30.4MFY24 $19.1MFY25 $19.0M

Net Income

+45.9% YoY

$46.2MFY 2025

FY22 $39.4MFY23 $43.0MFY24 $31.7MFY25 $46.2M

EPS (Diluted)

+31.3% YoY

$2.64FY 2025

FY22 $2.60FY23 $2.73FY24 $2.01FY25 $2.64

Total Assets

+5.8% YoY

$4.34BFY 2025

FY22 $3.54BFY23 $3.86BFY24 $4.10BFY25 $4.34B

Op. Cash Flow

-10.3% YoY

$43.3MFY 2025

FY22 $25.2MFY23 $62.7MFY24 $48.2MFY25 $43.3M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2020	FY 2019
Revenue	$19.0M -0.5%	$19.1M -37.2%	$30.4M +24.1%	$24.5M +44.8%	$16.9M -4.7%	$17.8M
Net Income	$46.2M +45.9%	$31.7M -26.3%	$43.0M +9.0%	$39.4M +22.5%	$32.2M -5.0%	$33.9M
EPS (Diluted)	$2.64 +31.3%	$2.01 -26.4%	$2.73 +5.0%	$2.60 +30.0%	$2.00 -0.5%	$2.01
Total Assets	$4.34B +5.8%	$4.10B +6.1%	$3.86B +9.1%	$3.54B +27.8%	$2.77B +19.9%	$2.31B
Operating Cash Flow	$43.3M -10.3%	$48.2M -23.1%	$62.7M +149.0%	$25.2M -22.9%	$32.7M -15.8%	$38.8M

AI Insight: CIVB Financial Trends

Net income more than doubled from $7M in Q2 2024 to $15M in Q1 2026 while equity grew 48% to $552M.

• Net income grew from $7M in Q2 2024 to $15M in Q1 2026, demonstrating consistent profitability improvement.

• Equity expanded 48% from $374M in Q2 2024 to $552M in Q1 2026, strengthening the balance sheet.

• Revenue shows high volatility, ranging from $2M in Q4 2024 to $6M in Q3 2025.

⚠ Operating cash flow remains highly volatile, swinging from $4M to $22M across quarters.

⚠ Revenue dropped 50% from $6M in Q3 2025 to $3M in Q4 2025 before recovering.

AI Insight: CIVB Ratio Trends

ROIC climbed from 8.6% in Q2 2024 to 13.0% in Q1 2026, with ROA reaching a peak 1.4% in the latest quarter.

• ROIC expanded from 8.6% in Q2 2024 to 13.0% in Q1 2026, marking consistent improvement in capital efficiency.

• ROA rose from 0.7% in Q2 2024 to 1.4% in Q1 2026, indicating strengthening asset productivity.

• ROE increased from 7.6% in Q2 2024 to 10.9% in Q1 2026 despite some quarterly volatility.

⚠ ROE declined from 10.9% in Q2 2025 to 9.0% in Q4 2025 before rebounding in Q1 2026.

⚠ Operating and net profit margins unavailable for most quarters, limiting visibility into efficiency trends.

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Available Research

13F Pro tracks comprehensive data for CIVISTA BANCSHARES, INC. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of CIVB

BlackRock, Inc.
$33.9M1,487,600 sh
WELLINGTON MANAGEMENT GROUP LLP
$30.5M1,337,588 sh
DIMENSIONAL FUND ADVISORS LP
$21.7M950,330 sh
ALLIANCEBERNSTEIN L.P.
$21.0M945,715 sh
VANGUARD CAPITAL MANAGEMENT LLC
$19.7M862,447 sh
ENDEAVOUR CAPITAL ADVISORS INC
$14.1M620,875 sh
MANUFACTURERS LIFE INSURANCE COMPANY, THE
$13.1M574,797 sh
GEODE CAPITAL MANAGEMENT, LLC
$11.1M487,752 sh
STATE STREET CORP
$9.1M400,008 sh
ROYCE & ASSOCIATES LP
$9.0M393,360 sh

Fund	Value	Shares
BlackRock, Inc.	$33.9M	1,487,600
WELLINGTON MANAGEMENT GROUP LLP	$30.5M	1,337,588
DIMENSIONAL FUND ADVISORS LP	$21.7M	950,330
ALLIANCEBERNSTEIN L.P.	$21.0M	945,715
VANGUARD CAPITAL MANAGEMENT LLC	$19.7M	862,447
ENDEAVOUR CAPITAL ADVISORS INC	$14.1M	620,875
MANUFACTURERS LIFE INSURANCE COMPANY, THE	$13.1M	574,797
GEODE CAPITAL MANAGEMENT, LLC	$11.1M	487,752
STATE STREET CORP	$9.1M	400,008
ROYCE & ASSOCIATES LP	$9.0M	393,360

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Is CIVB a good stock to buy?

13F Pro's AI-powered analysis of CIVISTA BANCSHARES, INC. (CIVB) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for CIVB are available on the CIVB stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own CIVB?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling CIVB. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of CIVISTA BANCSHARES, INC.'s investment landscape.