Civista Bancshares Income Statement - Quarterly (NASDAQ:CIVB)

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$17.15 $1.35 (7.3%) CIVB stock closing price Dec 02, 2016 (Closing)

Financial analysis of Civista Bancshares involves more than just checking the Civista Bancshares stock price, by looking at the financial statements of the company in detail. The income statement gives the investor an understanding of the topline and bottomline numbers of the company and helps investors evaluate if a company has been growing or not. The income statement is always for an accounting period, typically for a year or quarter, and affects the stock. In this case, the CIVB stock is bound to reflect the impact of the QoQ decline of $0.79M. The operating expenses (also check: Civista Bancshares assets and Civista Bancshares free cash flow) as shown in the Civista Bancshares profit and loss statement 2016-Q3 total to $11.69M. This line item has increased from $10.22M compared with last quarter. View details of revenue and profits for Civista Bancshares for latest & last 40 quarters.

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Fiscal year is Jan - Dec. 2016-Q3 2016-Q2 2016-Q1 2015-Q4 2015-Q3 2015-Q2 2015-Q1 2014-Q4 2014-Q3 2014-Q2
Civista Bancshares Net Sales or Revenues
Cost Of Goods Sold (COGS)0.5M0.48M0.49M0.5M0.51M0.53M0.54M0.56M0.55M0.57M
Civista Bancshares Gross Profit
Research & Development Expense----------
Selling General & Admin Expense11.02M9.57M10.72M10.56M10.87M11.14M10.86M10.33M10.46M10.52M
Income Before Depreciation Depletion Amortization5.49M7.75M7.09M5.08M4.9M4.71M4.76M3.63M3.66M3.64M
Depreciation Depletion Amortization0.17M0.17M0.18M0.2M0.18M0.19M0.14M0.16M0.2M0.2M
Non Operating Income----------
Interest Expense0.33M0.31M0.32M0.33M0.3M0.29M0.3M0.33M0.43M0.52M
Civista Bancshares Pretax Income
Provision for Income Taxes1.3M2.08M1.86M1.38M1.15M1.11M1.14M0.88M0.72M0.67M
Minority Interest----------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations3.68M5.18M4.73M3.2M3.25M3.12M3.17M2.27M2.31M2.24M
Extraordinary Items & Discontinued Operations----------
Civista Bancshares Net Income (Profit/Loss)
Average Shares used to compute Diluted EPS10.97M10.95M10.94M10.92M10.92M10.91M10.91M10.91M10.91M10.91M
Average Shares used to compute Basic EPS8.04M7.88M7.86M7.84M7.84M7.83M7.76M7.71M7.71M7.71M
Income Before Nonrecurring Items3.68M3.68M4.73M3.2M3.25M3.12M3.17M2.27M2.31M2.24M
Income from Nonrecurring Items-1.5M--------
Civista Bancshares Earnings Per Share Basic Net
Civista Bancshares Earnings Per Share Diluted Net
EPS Diluted Before Nonrecurring Items0.340.340.430.290.300.
Preferred Dividends Acc Pd----------
Dividends Common----------
Dividend Per Share Common0.
All figures in USD. M: Millions of USD, B: Billions of USD.
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The key things to look for in an income statement while doing Civista Bancshares stock analysis are:
  • Topline: A growing topline, as seen from the Civista Bancshares revenue chart, as is not the case with Civista Bancshares indicates a sagging business. One needs to compare the QoQ or YoY topline growth of CIVB stock with its peers like FBMI stock and BYLK stock to see if the growth compares well with what can be expected for a company in that industry.
  • Bottom line: The word bottom line comes because it is usually the last line of the income statement and refers to the actual profits after deducting all expenses from the revenues. CIVB stock had a poor bottom line growth.
The income statement is also called statement of revenue and expense. The financials along with Civista Bancshares historical stock prices provides a lot of details about the firm. .

Civista Bancshares Income Statement - Key Financial Ratios

PE ratio (price earnings ratio)
PS ratio (
price sales ratio
Operating margin
Net profit margin
Dividend yield