Civista Bancshares, Inc. — Earnings Quality Grade F
CIVB · Financial Services
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 31 days, change -1 days YoY
AR growth 7.3% vs revenue growth 11.8%
Revenue grew 11.8% but CFFO declined -10.3%
Small-cap context: Small-cap revenue/CFFO ratio is sensitive to growth-stage working-capital draws.
Expense Quality
No material inventory
CapEx growth -72.3% vs revenue 11.8%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 0.94. Profits backed by cash
FCF $0.0B, FCF/NI = 0.91
Accruals ratio = 0.1%. Low accruals
Cash $0.1B covers only 28% of debt $0.3B
Balance Sheet Health
Goodwill+Intangibles $0.1B = 26% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change 8% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
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Altman Z-Score — Not Applicable
Civista Bancshares, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25