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Asset Utilization RatioAssets AverageDebt RatioDebt to EquityEBIT MarginEBITDA MarginEBT MarginEnterprise ValueEquity AverageEquity RatioFCF MarginFCF Payout RatioGross MarginInterest Coverage RatioInvested CapitalNet MarginOperating MarginReturn on AssetsReturn on EquityReturn on Invested CapitalReturn on SalesTimes Interest Earned

Civista Bancshares (CIVB) Gross Margin (2017 - 2025)

Civista Bancshares' Gross Margin history spans 9 years, with the latest figure at 86.19% for Q4 2025.

  • For Q4 2025, Gross Margin rose 433.0% year-over-year to 86.19%; the TTM value through Dec 2025 reached 92.72%, up 364.0%, while the annual FY2025 figure was 92.71%, 363.0% up from the prior year.
  • Gross Margin reached 86.19% in Q4 2025 per CIVB's latest filing, down from 93.67% in the prior quarter.
  • In the past five years, Gross Margin ranged from a high of 101.68% in Q4 2023 to a low of 81.86% in Q4 2024.
  • Average Gross Margin over 5 years is 92.46%, with a median of 92.44% recorded in 2024.
  • Peak YoY movement for Gross Margin: tumbled -1982bps in 2024, then surged 746bps in 2025.
  • A 5-year view of Gross Margin shows it stood at 97.81% in 2021, then fell by -3bps to 95.0% in 2022, then grew by 7bps to 101.68% in 2023, then decreased by -19bps to 81.86% in 2024, then grew by 5bps to 86.19% in 2025.
  • Per Business Quant, the three most recent readings for CIVB's Gross Margin are 86.19% (Q4 2025), 93.67% (Q3 2025), and 94.34% (Q2 2025).