Civista Bancshares (CIVB) Net Margin (2009 - 2026)
Civista Bancshares (CIVB) recorded Net Margin of 30.07% in Q2 2026, up 3.47 percentage points from 26.60% a year earlier but down 1.65 percentage points from the prior quarter.
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Analysis
Civista Bancshares (CIVB) Net Margin (2009 - 2026) Analysis & Trends
On a TTM basis, Civista Bancshares' Net Margin came in at 29.31% as of Jun 30, 2026, up 4.92 percentage points year-over-year; for FY2025, it came in at 26.78%, up 6.27 percentage points from FY2024.
- Annual Net Margin has a five-year change of -0.52 percentage points (FY2020 to FY2025).
- Across earlier years, Net Margin came in at 20.51% in FY2024 (-5.90 pp), 26.41% in FY2023 (-1.89 pp), 28.31% in FY2022 (-3.65 pp) and 31.96% in FY2021 (+4.65 pp).
- Quarterly Net Margin has ranged from 17.36% in Q1 2024 to 36.44% in Q4 2021 over the past five years.
- On a year-over-year basis, Net Margin has increased for six consecutive quarters, with an average year-over-year change of +3.78 percentage points over the last eight quarters.
- Peak year-over-year performance for Net Margin in the last five years was a gain of 8.08 percentage points in Q2 2025, against a drop of 12.15 percentage points in Q1 2024 at the low end.
- Per Business Quant, the preceding three quarters came in at 31.72% (Q1 2026), 26.48% (Q4 2025) and 28.88% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 920.14 Bn | 897.90 Bn | - | 29.77% |
| 2 | Banco Santander Chile | 407.42 Bn | -7,109.68 Bn | - | - |
| 3 | Bank Of America | 353.20 Bn | -2,022.91 Bn | - | 21.83% |
| 4 | Hsbc Holdings | 307.88 Bn | -2,967.28 Bn | - | 38.08% |
| 5 | Morgan Stanley | 298.41 Bn | -244.41 Bn | - | 23.36% |
| 6 | Royal Bank Of Canada | 283.46 Bn | -546.54 Bn | - | 32.48% |
| 7 | Goldman Sachs | 264.45 Bn | -3,478.99 Bn | - | 27.42% |
| 8 | Mitsubishi Ufj Financial | 259.19 Bn | -159.36 Bn | 5.24 Bn | 30.67% |
| 9 | Wells Fargo & Company | 258.28 Bn | 93.72 Bn | - | 26.08% |
| 10 | Civista Bancshares | 592.78 Mn | 504.21 Mn | - | 32.51% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 32.51% |
| Jun 30, 2026 | 29.96% |
| Mar 31, 2026 | 31.66% |
| Dec 31, 2025 | 26.85% |
| Sep 30, 2025 | 28.75% |
| Jun 30, 2025 | 26.50% |
| Mar 31, 2025 | 24.92% |
| Dec 31, 2024 | 24.51% |
| Sep 30, 2024 | 21.27% |
| Jun 30, 2024 | 18.53% |
| Mar 31, 2024 | 17.36% |
| Dec 31, 2023 | 24.84% |
| Sep 30, 2023 | 26.21% |
| Jun 30, 2023 | 24.78% |
| Mar 31, 2023 | 29.51% |
| Dec 31, 2022 | 28.50% |
| Sep 30, 2022 | 30.72% |
| Jun 30, 2022 | 25.75% |
| Mar 31, 2022 | 27.69% |
| Dec 31, 2021 | 36.44% |
API Access
Civista Bancshares Net Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=net-margin&ticker=CIVB&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "net-margin", "ticker": "CIVB", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=net-margin&ticker=CIVB&period=max&api_key=YOUR_API_KEY");
const data = await res.json();