Civista Bancshares (CIVB) reported $40.63 million in revenue for the quarter ended March 2025, representing a year-over-year increase of 10.2%. EPS of $0.66 for the same period compares to $0.41 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $40.09 million, representing a surprise of +1.37%. The company delivered an EPS surprise of +32.00%, with the consensus EPS estimate being $0.50.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Civista Bancshares performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Net interest margin (tax equivalent): 3.5% versus the two-analyst average estimate of 3.4%.
• Efficiency ratio (non-GAAP): 64.9% compared to the 72.1% average estimate based on two analysts.
• Net Interest Income: $32.77 million versus the two-analyst average estimate of $31.52 million.
• Net gain on sale of loans: $0.60 million versus the two-analyst average estimate of $1.15 million.
• Total Noninterest Income: $7.86 million versus $8.01 million estimated by two analysts on average.

View all Key Company Metrics for Civista Bancshares here>>>

Shares of Civista Bancshares have returned +5.4% over the past month versus the Zacks S&P 500 composite's -5.1% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.

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Civista Bancshares, Inc. (CIVB) : Free Stock Analysis Report

This article originally published on Zacks Investment Research (zacks.com).

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