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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) Interest Coverage Ratio (2016 - 2025)

Civista Bancshares' Interest Coverage Ratio history spans 10 years, with the latest figure at 1.47 for Q4 2025.

  • For Q4 2025, Interest Coverage Ratio fell 22.79% year-over-year to 1.47; the TTM value through Dec 2025 reached 1.17, down 10.1%, while the annual FY2025 figure was 0.14, 64.91% up from the prior year.
  • Interest Coverage Ratio reached 1.47 in Q4 2025 per CIVB's latest filing, down from 1.09 in the prior quarter.
  • In the past five years, Interest Coverage Ratio ranged from a high of 0.78 in Q4 2023 to a low of 11.29 in Q3 2021.
  • Average Interest Coverage Ratio over 5 years is 3.71, with a median of 1.57 recorded in 2023.
  • Peak YoY movement for Interest Coverage Ratio: crashed 101.96% in 2021, then soared 83.2% in 2023.
  • A 5-year view of Interest Coverage Ratio shows it stood at 2.62 in 2021, then soared by 30.21% to 1.83 in 2022, then skyrocketed by 57.5% to 0.78 in 2023, then tumbled by 54.68% to 1.2 in 2024, then decreased by 22.79% to 1.47 in 2025.
  • Per Business Quant, the three most recent readings for CIVB's Interest Coverage Ratio are 1.47 (Q4 2025), 1.09 (Q3 2025), and 1.06 (Q2 2025).