Demonstrações financeiras detalhadas de Civista Bancshares, Inc. (CIVB): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
Civista Bancshares, Inc. registou receitas de $255.0M no último exercício, com um CAGR de 5 anos de 15.1%. O lucro líquido atingiu $46.2M, com CAGR de 5 anos de 7.5%.
Margens dos últimos 12 meses: margem bruta 65.8%, margem operacional 13.5%, margem líquida 24.2%. O fluxo de caixa livre cresceu a CAGR de 6.5% em 5 anos.
Ao preço atual de $27.16, CIVB negocia a um P/L de 9.84 e um ROE de 10.05%. A capitalização de mercado é de $564M.
Demonstração de Resultados (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Receita | $69.1M | $74.1M | $90.7M | $118.6M | $126.2M | $134.2M | $153.0M | $217.5M | $241.9M | $255.0M |
| Custo da Receita | $2.0M | $4.1M | $8.3M | $14.0M | $20.2M | $10.5M | $17.7M | $61.7M | $95.3M | $85.8M |
| Lucro Bruto | $67.1M | $70.0M | $82.4M | $104.6M | $105.9M | $123.7M | $135.3M | $155.8M | $146.6M | $169.2M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $28.4M | $33.2M | $47.3M | $44.1M | $44.3M | $46.8M | $53.4M | $61.3M | $66.5M | $72.8M |
| Despesas Operacionais | $43.2M | $47.8M | $65.6M | $65.1M | $68.8M | $75.4M | $88.2M | $105.2M | $110.0M | $113.9M |
| Lucro Operacional | $23.8M | $22.2M | $16.8M | $39.6M | $37.1M | $48.4M | $47.0M | $50.6M | $36.6M | $55.2M |
| EBITDA | $25.8M | $24.1M | $18.7M | $42.7M | $40.3M | $51.2M | $52.8M | $63.0M | $47.6M | $65.1M |
| Despesas com Juros | $3.3M | $4.1M | $7.6M | $13.0M | $10.1M | $9.6M | $16.0M | $57.2M | $90.0M | $82.4M |
| Lucro Antes de Impostos | $23.8M | $22.2M | $16.8M | $39.6M | $37.1M | $48.4M | $47.0M | $50.6M | $36.6M | $55.2M |
| Imposto | $6.6M | $6.4M | $2.6M | $5.7M | $4.9M | $7.8M | $7.6M | $7.6M | $4.9M | $9.0M |
| Lucro Líquido | $17.2M | $15.9M | $14.1M | $33.9M | $32.2M | $40.5M | $39.4M | $43.0M | $31.7M | $46.2M |
| LPA | $1.96 | $1.48 | $1.02 | $2.16 | $2.00 | $2.63 | $2.60 | $2.73 | $2.01 | $2.64 |
| LPA Diluído | $1.57 | $1.28 | $1.02 | $2.01 | $2.00 | $2.63 | $2.60 | $2.73 | $2.01 | $2.64 |
| Ações em Circulação (Diluídas) | $11.0M | $12.4M | $13.9M | $16.9M | $16.1M | $15.3M | $15.0M | $15.2M | $15.4M | $17.5M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $63.8M | $65.6M | $55.8M | $39.3M |
| Lucro Bruto | $42.9M | $45.8M | $37.8M | $21.3M |
| Lucro Operacional | $15.7M | $14.7M | $8.6M | -$8.6M |
| EBITDA | $15.7M | $14.7M | $8.6M | -$8.6M |
| Lucro Líquido | $12.8M | $12.3M | $15.0M | $14.3M |
| LPA | $0.68 | $0.61 | $0.72 | $0.69 |
| LPA Diluído | $0.68 | $0.61 | $0.72 | $0.69 |
Balanço (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $36.7M | $40.5M | $42.8M | $48.5M | $128.2M | $255.2M | $44.8M | $61.6M | $64.6M | $78.5M |
| Investimentos de Curto Prazo | $195.9M | $230.2M | $346.3M | $358.5M | $363.5M | $559.9M | $615.4M | $618.3M | $265.3M | $321.4M |
| Contas a Receber | $3.9M | $4.5M | $6.7M | $7.1M | $9.4M | $7.4M | $47.5M | $67.2M | $59.0M | $14.4M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $236.4M | $275.2M | $395.8M | $414.1M | $501.1M | $822.4M | $707.8M | $747.1M | $388.9M | $414.3M |
| Imobilizado | $17.9M | $17.6M | $22.0M | $22.9M | $22.6M | $22.4M | $64.0M | $56.8M | $47.2M | $40.6M |
| Ágio | $27.1M | $27.1M | $76.9M | $76.9M | $76.9M | $76.9M | $125.7M | $125.5M | $125.5M | $130.4M |
| Ativos Intangíveis | $1.8M | $1.3M | $9.4M | $8.3M | $8.1M | $7.6M | $10.8M | $9.5M | $7.9M | $13.1M |
| Ativos Totais | $1.38B | $1.53B | $2.14B | $2.31B | $2.77B | $3.01B | $3.64B | $3.86B | $4.10B | $4.34B |
| Contas a Pagar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dívida de Curto Prazo | $28.9M | $21.8M | $22.2M | $120.2M | $28.9M | $25.5M | $418.8M | $338.0M | $339.0M | $175.0M |
| Passivos Circulantes | $1.16B | $1.24B | $1.62B | $1.82B | $2.24B | $2.47B | $3.06B | $3.32B | $3.55B | $3.64B |
| Dívida de Longo Prazo | $77.9M | $101.3M | $223.0M | $154.4M | $154.4M | $178.7M | $224.5M | $116.2M | $111.9M | $109.2M |
| Passivos Totais | $1.24B | $1.34B | $1.84B | $1.98B | $2.42B | $2.66B | $3.30B | $3.49B | $3.71B | $3.79B |
| Reservas | $19.3M | $31.7M | $41.3M | $68.0M | $93.0M | $125.6M | $156.5M | $183.8M | $205.4M | $239.8M |
| Patrimônio Líquido | $137.6M | $184.5M | $298.9M | $330.1M | $350.1M | $355.2M | $334.8M | $372.0M | $388.5M | $543.5M |
| Dívida Total | $106.9M | $123.1M | $245.2M | $274.6M | $183.3M | $204.2M | $643.4M | $454.2M | $450.9M | $284.2M |
| Dívida Líquida | -$125.7M | -$147.7M | -$143.8M | -$132.4M | -$308.3M | -$610.8M | -$16.9M | -$225.7M | $120.9M | -$115.7M |
| Capital de Giro | -$925.3M | -$964.8M | -$1.22B | -$1.40B | -$1.74B | -$1.65B | -$2.36B | -$2.58B | -$3.16B | -$3.23B |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $63.5M | $78.5M | $83.5M | $61.7M |
| Ativos Totais | $4.11B | $4.34B | $4.30B | $4.29B |
| Passivos Totais | $3.61B | $3.79B | $3.75B | $3.73B |
| Patrimônio Líquido | $499.0M | $543.5M | $552.2M | $566.8M |
| Dívida Total | $341.9M | $284.2M | $210.8M | $228.4M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $17.2M | $15.9M | $14.1M | $33.9M | $32.2M | $40.5M | $39.4M | $43.0M | $31.7M | $46.2M |
| Depreciação e Amortização | $2.0M | $1.8M | $1.9M | $3.2M | $3.2M | $2.9M | $5.8M | $12.3M | $11.0M | $9.9M |
| Compensação em Ações | $323000 | $426000 | $428000 | $531000 | $617000 | $702000 | $819000 | $984000 | $871000 | $852000 |
| Variação Capital de Giro | -$1.6M | $713000 | $360000 | $1.0M | -$1.5M | $2.0M | -$22.0M | $5.7M | $3.0M | -$7.5M |
| Fluxo de Caixa Operacional | $17.7M | $20.8M | $19.6M | $38.8M | $32.7M | $40.8M | $25.2M | $62.7M | $48.2M | $43.3M |
| CapEx | -$2.4M | -$1.0M | -$1.5M | -$3.2M | -$2.0M | -$1.9M | -$6.5M | -$3.4M | -$4.2M | -$1.2M |
| Aquisições | 0 | 0 | $143.8M | 0 | 0 | 0 | -$51.6M | 0 | 0 | $149.5M |
| Recompra de Ações | 0 | -$4000 | 0 | -$3.9M | -$13.5M | -$22.3M | -$16.9M | -$1.6M | -$164000 | -$178000 |
| Dividendos Pagos | -$3.3M | -$3.7M | -$4.7M | -$7.2M | -$7.1M | -$8.0M | -$8.5M | -$9.6M | -$10.1M | -$11.8M |
| Fluxo de Caixa Livre | $15.3M | $19.8M | $18.2M | $35.6M | $30.7M | $38.8M | $18.7M | $59.3M | $44.1M | $42.1M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | $19.0M | $9.6M | $12.2M | $17.1M |
| CapEx | -$555000 | -$222000 | -$441000 | -$395000 |
| Fluxo de Caixa Livre | $18.4M | $9.4M | $11.7M | $16.7M |
| Dividendos Pagos | -$3.3M | -$3.3M | -$3.7M | -$3.7M |
| Compensação em Ações | 0 | 0 | 0 | 0 |
Crescimento e Margens (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +7.2% | +22.5% | +30.7% | +6.4% | +6.4% | +14.0% | +42.2% | +11.2% | +5.4% |
| Crescimento Lucro Líquido (anual) | | -7.8% | -10.9% | +139.6% | -5.0% | +26.0% | -2.8% | +9.0% | -26.3% | +45.9% |
| Crescimento LPA (anual) | | -24.5% | -31.1% | +111.8% | -7.4% | +31.5% | -1.1% | +5.0% | -26.4% | +31.3% |
| Variação de Ações (anual) | | +12.8% | +12.2% | +21.6% | -4.6% | -4.6% | -2.4% | +1.2% | +1.6% | +13.7% |
| Crescimento FCF (anual) | | +29.7% | -8.3% | +96.1% | -13.8% | +26.6% | -51.9% | +217.4% | -25.7% | -4.4% |
| Margem Bruta | 97.1% | 94.5% | 90.8% | 88.2% | 84.0% | 92.2% | 88.4% | 71.6% | 60.6% | 66.4% |
| Margem Operacional | 34.5% | 30.0% | 18.5% | 33.4% | 29.4% | 36.1% | 30.7% | 23.3% | 15.1% | 21.7% |
| Margem EBITDA | 37.3% | 32.5% | 20.6% | 36.0% | 31.9% | 38.2% | 34.5% | 28.9% | 19.7% | 25.5% |
| Margem Líquida | 24.9% | 21.4% | 15.6% | 28.6% | 25.5% | 30.2% | 25.8% | 19.8% | 13.1% | 18.1% |
| Margem FCF | 22.1% | 26.7% | 20.0% | 30.0% | 24.3% | 28.9% | 12.2% | 27.3% | 18.2% | 16.5% |
| Taxa Efetiva de Imposto | 27.8% | 28.6% | 15.7% | 14.4% | 13.3% | 16.2% | 16.2% | 15.1% | 13.4% | 16.3% |
Dados por Ação (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $1.39 | $1.60 | $1.31 | $2.11 | $1.91 | $2.53 | $1.25 | $3.91 | $2.86 | $2.41 |
| Dividendo por Ação | $0.30 | $0.30 | $0.34 | $0.43 | $0.44 | $0.52 | $0.57 | $0.63 | $0.65 | $0.68 |
| Ações em Circulação (Básicas) | $8.0M | $9.9M | $13.9M | $15.7M | $16.1M | $15.3M | $15.0M | $15.2M | $15.4M | $17.5M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 10.05% |
| Retorno sobre capital investido | 3.04% |
| Retorno sobre ativos | 1.27% |
| Margem bruta | 65.82% |
| Margem operacional | 13.54% |
| Margem líquida | 24.20% |
Saúde financeira
| Dívida / Patrimônio | 0.40 |
| Liquidez corrente | 0.21 |
| Piotroski F-Score | 7 |
| Altman Z-Score | -0.65 |
Índices Chave (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| P/L | 9.91 | 14.86 | 17.08 | 11.11 | 8.77 | 9.28 | 8.47 | 6.75 | 10.47 | 8.42 |
| P/VP | 1.13 | 1.18 | 0.81 | 1.14 | 0.81 | 1.05 | 0.98 | 0.75 | 0.83 | 0.72 |
| P/V | 2.25 | 2.94 | 2.66 | 3.17 | 2.23 | 2.79 | 2.15 | 1.29 | 1.34 | 1.53 |
| Margem Bruta | 97.1% | 94.5% | 90.8% | 88.2% | 84.0% | 92.2% | 88.4% | 71.6% | 60.6% | 66.4% |
| Margem Operacional | 34.5% | 30.0% | 18.5% | 33.4% | 29.4% | 36.1% | 30.7% | 23.3% | 15.1% | 21.7% |
| Margem Líquida | 24.9% | 21.4% | 15.6% | 28.6% | 25.5% | 30.2% | 25.8% | 19.8% | 13.1% | 18.1% |