Civista Bancshares (FRA:44Q) Interest Expense: €-65.2 Mil (TTM As of Mar. 2026)

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FRA:44Q Civista Bancshares Inc FRA:44Q
58 GF Score
Price €24.80
GF Value €15.38
! 8 Warning Signs
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What is Civista Bancshares Interest Expense?

Civista Bancshares FRA:44Q -1.59% 58 Interest Expense is €-65.2 Mil as of Mar. 2026. GuruFocus rates FRA:44Q with a GF Score™ of 58/100 and a GF Value™ of €15.38. The stock has 8 warning signs investors should review.

Interest Expense is the amount reported by a company or individual as an expense for borrowed money. Civista Bancshares's interest expense for the three months ended in Mar. 2026 was € -15.6 Mil. Its interest expense for the trailing twelve months (TTM) ended in Mar. 2026 was €-65.2 Mil.

Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income(EBIT) by its Interest Expense. Civista Bancshares's Operating Income for the three months ended in Mar. 2026 was € Mil. Civista Bancshares's Interest Expense for the three months ended in Mar. 2026 was € Mil. The higher the ratio, the stronger the company's financial strength is. Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Civista Bancshares Interest Expense Historical Data

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The historical data trend for Civista Bancshares's Interest Expense 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.

Civista Bancshares Interest Expense Chart

Civista Bancshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Interest Expense
Get a 7-Day Free Trial Premium Member Only Premium Member Only -8.52 -15.06 -52.49 -85.94 -70.37

Civista Bancshares Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Interest Expense Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -18.60 -17.63 -16.47 -15.56 -15.58
FRA:44Q
58GF Score
Civista Bancshares Inc FRA:44Q
Interest Expense is just one metric. See GF Score™, valuation, warning signs, and more.
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Civista Bancshares Interest Expense Calculation

Interest Expense is the amount reported by a company or individual as an expense for borrowed money.

Interest Expense for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €-65.2 Mil.

* 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.

Frequently Asked Questions Learn more about Interest Expense →
What does a Interest Expense of €-65.2 Mil mean?
Civista Bancshares (FRA:44Q) has a Interest Expense of €-65.2 Mil as of Mar. 2026. Interest Expense is the amount a company pays on its long-term debt. View historical data on Civista Bancshares and its competitors.
Is Civista Bancshares' Interest Expense too high?
Civista Bancshares' current Interest Expense is €-65.2 Mil. Overall, Civista Bancshares has a GF Score™ of 58/100, reflecting its overall financial health beyond just this single metric.
How does Civista Bancshares' Interest Expense compare to NPB and KRNY?
Civista Bancshares' Interest Expense of €-65.2 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Expense for a Banks company?
A good Interest Expense depends on the Banks industry context. However, Interest Expense should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Interest Expense mean?
A high Interest Expense can signal that a stock is expensive relative to its fundamentals. Interest Expense is the amount a company pays on its long-term debt. View historical data on Civista Bancshares and its competitors. Civista Bancshares's current Interest Expense is €-65.2 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Civista Bancshares stock overvalued right now?
Civista Bancshares (FRA:44Q) has a current Interest Expense of €-65.2 Mil. The stock's GF Value™ is €15.38, compared to a current price of €24.80 — trading 61.2% above its estimated fair value. The current Interest Expense is €-65.2 Mil. Civista Bancshares' overall GF Score™ is 58/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Expense calculated?
Interest Expense is calculated from a company's financial statements. For Civista Bancshares (FRA:44Q), the current Interest Expense is €-65.2 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Civista Bancshares (FRA:44Q) Overvalued in 2026?

Based on GuruFocus' analysis, Civista Bancshares stock appears to be overvalued. The current stock price of €24.80 is trading 61.2% above its estimated GF Value™ of €15.38.

Key valuation signals for FRA:44Q:

  • Interest Expense: €-65.2 Mil
  • GF Value™: €15.38 vs. price of €24.80 (61.2% above fair value)
  • GF Score™: 58/100 with 8 warning signs

No single metric tells the full story. See the FRA:44Q stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Civista Bancshares Business Description

Other Exchanges CIVB:USA
Address 100 East Water Street, P.O. Box 5016, Sandusky, OH, USA, 44870
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 agricultural, commercial real estate-owner occupied, commercial real estate non-owner occupied, residential real estate, real estate construction, and consumer loans. The majority of its revenues are derived from the interest and fees gained on loans.
58GF Score

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Interest Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€24.80
Price
€15.38
GF Value