Civista Bancshares (CIVB) Reports Q4 Earnings: What Key Metrics Have to Say

For the quarter ended December 2024, Civista Bancshares (CIVB) reported revenue of $40.37 million, up 3.8% over the same period last year. EPS came in at $0.63, compared to $0.62 in the year-ago quarter.The reported revenue represents a surprise of +2.00% over the Zacks Consensus Estimate of $39.58 million. With the consensus EPS estimate being $0.53, the EPS surprise was +18.87%.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): 3.4% compared to the 3.2% average estimate based on two analysts. Efficiency ratio (non-GAAP): 68.3% compared to the 71.7% average estimate based on two analysts. Net Interest Income: $31.36 million versus $30.21 million estimated by two analysts on average. Net gain on sale of loans: $1.26 million compared to the $1.50 million average estimate based on two analysts. Total Noninterest Income: $9.02 million versus $9.38 million estimated by two analysts on average. View all Key Company Metrics for Civista Bancshares here>>>Shares of Civista Bancshares have returned +2.2% over the past month versus the Zacks S&P 500 composite's +1.2% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.5 Stocks Set to DoubleEach was handpicked by a Zacks expert as the #1 favorite stock to gain +100% or more in 2024. While not all picks can be winners, previous recommendations have soared +143.0%, +175.9%, +498.3% and +673.0%.Most of the stocks in this report are flying under Wall Street radar, which provides a great opportunity to get in on the ground floor.Today, See These 5 Potential Home Runs >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Civista Bancshares, Inc. (CIVB): Free Stock Analysis ReportTo read this article on Zacks.com click here.Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks