Civista Bancshares (CIVB) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates

Core Insights - Civista Bancshares reported revenue of $46.34 million for the quarter ended December 2025, reflecting a year-over-year increase of 14.8% and a surprise of +2.06% over the Zacks Consensus Estimate of $45.4 million [1] - The earnings per share (EPS) for the quarter was $0.75, up from $0.63 in the same quarter last year, resulting in an EPS surprise of +22.29% compared to the consensus estimate of $0.61 [1] Financial Performance Metrics - The efficiency ratio (non-GAAP) was reported at 57.7%, better than the average estimate of 63.3% based on two analysts [4] - The net interest margin (tax equivalent) stood at 3.7%, slightly above the average estimate of 3.6% from two analysts [4] - Total interest-earning assets averaged $3.94 billion, close to the $3.95 billion average estimate from two analysts [4] - Net interest income was reported at $36.45 million, exceeding the average estimate of $35.8 million from two analysts [4] - The net gain on the sale of loans was $1.59 million, surpassing the estimated $1.3 million by two analysts [4] - Total noninterest income reached $9.88 million, higher than the average estimate of $9.18 million from two analysts [4] Stock Performance - Civista Bancshares shares have returned +4.8% over the past month, outperforming the Zacks S&P 500 composite, which changed by +0.8% [3] - The stock currently holds a Zacks Rank 5 (Strong Sell), indicating potential underperformance relative to the broader market in the near term [3]