Civista Bancshares (FRA:44Q) Debt-to-Equity : 1.31 (As of Mar. 2024)

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What is Civista Bancshares Debt-to-Equity?

Civista Bancshares's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2024 was €339.0 Mil. Civista Bancshares's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Mar. 2024 was €105.2 Mil. Civista Bancshares's Total Stockholders Equity for the quarter that ended in Mar. 2024 was €340.1 Mil. Civista Bancshares's debt to equity for the quarter that ended in Mar. 2024 was 1.31.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for Civista Bancshares's Debt-to-Equity or its related term are showing as below:

FRA:44Q' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.25 Med: 0.56 Max: 1.85
Current: 1.31

During the past 13 years, the highest Debt-to-Equity Ratio of Civista Bancshares was 1.85. The lowest was 0.25. And the median was 0.56.

FRA:44Q's Debt-to-Equity is ranked worse than
72.9% of 1391 companies
in the Banks industry
Industry Median: 0.65 vs FRA:44Q: 1.31

Civista Bancshares Debt-to-Equity Historical Data

The historical data trend for Civista Bancshares's Debt-to-Equity can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Civista Bancshares Debt-to-Equity Chart

Civista Bancshares Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Debt-to-Equity

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0.78

0.44

0.50

1.85

1.22

Civista Bancshares Quarterly Data
	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24
Debt-to-Equity	Get a 7-Day Free Trial															0.96	0.75	1.65	1.22	1.31

Competitive Comparison of Civista Bancshares's Debt-to-Equity

For the Banks - Regional subindustry, Civista Bancshares's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Civista Bancshares's Debt-to-Equity Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Civista Bancshares's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where Civista Bancshares's Debt-to-Equity falls into.

Civista Bancshares Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

Civista Bancshares's Debt to Equity Ratio for the fiscal year that ended in Dec. 2023 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(309.946	+	106.55)	/	341.126
	=	1.22

Civista Bancshares's Debt to Equity Ratio for the quarter that ended in Mar. 2024 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(339.02	+	105.156)	/	340.086
	=	1.31

Civista Bancshares (FRA:44Q) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

Civista Bancshares Debt-to-Equity Related Terms

Thank you for viewing the detailed overview of Civista Bancshares's Debt-to-Equity provided by GuruFocus.com. Please click on the following links to see related term pages.

Civista Bancshares (FRA:44Q) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Civista Bancshares Inc (FRA:44Q) » Definitions » Debt-to-Equity

Comparable Companies

Traded in Other Exchanges

CIVB:USA

Address

100 East Water Street, P.O. Box 5016, Sandusky, OH, USA, 44870

Website

https://www.civb.com

Civista Bancshares Inc is a financial holding company. Operating through its subsidiary, it engages in the business of community banking. Its business activity involves collecting customer deposits, making loans, purchasing securities, and offering trust services to its clients. The company's loan portfolio includes commercial and agriculture, commercial real estate-owner occupied, commercial real estate non-owner occupied, residential real estate, real estate construction, and consumer loans. Majority of its revenues are derived from the interest and fees gained on loans.

Civista Bancshares (FRA:44Q) Headlines

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