Civista Bancshares, Inc. (CIVB)

NCM – Real Time Price. Currency in USD

28.59

+0.14 (0.51%)

Market open: Aug 12, 2026, 9:49 AM EDT

28.45

0.00 (0.00%)

Previous after-hours: Aug 11, 2026, 7:34 PM EDT

Stock details

Previous close: 28.45$
Day's range: 28.15 - 28.66$
52-week range: 19.67 - 29.97$
Volume: 147 147
Average volume: 128 981
Beta: 0.2
EPS (TTM): 2.69
PE ratio (TTM): 10.57
Forward P/E: 10.03
Market cap: 591 286 235
Shares outstanding: 20 783 347
Dividend yield: $2.49 (2.49%)
Next earnings date: 2026-10-23
Sector: Financials
Industry: Banks - Regional

About the company

Civista Bancshares, Inc. operates as the financial holding company for Civista Bank that provides banking services in the United States. The company offers personal and commercial checking accounts; retirement, money market, time, and savings accounts; safe deposit boxes; wire transfers; and automated teller services. It also provides internet banking; ACH origination; telephone banking; and mobile/digital banking services, ... read more

CEO: Dennis Shaffer
Country: United States
IPO Date
Employees: 548
Fiscal Year End: January - December
Website: https://www.civb.com

Revenue Breakdown

Community Banking / 100.00%

News

No Data

There are no news for this stock.

Chart: CIVB

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Overall Score

4.6 / 1046%

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $231.5M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.4) is well below the industry average (0.1), showcasing prudent financial management

The company has no interest-bearing debt, showcasing excellent financial strength

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.05	2.82	1.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	0.41	0.05	7.0
Debt to Assets	0.05	0.09	9.0
Interest coverage	N/A	N/A	10
Weighted average score			5.6

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	155M	220M	244M	255M	261M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	47M	51M	37M	55M	66M
Net Income	39M	41M	31M	46M	54M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	36.09	0.44	10
Net margin %	29.96	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	N/A	0.00	1.0
Weighted average score			4.6

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	1.16	1.46	3.0
ROE	10.38	14.94	7.0
ROIC	8.38	0.00	6.0
ROCE	N/A	0.00	1.0
Weighted average score			4.3

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	10.42	2.21	5.0
Next quarter	6.74	-4.22	3.0
Current year	12.25	1.67	5.0
Next year	4.69	2.47	3.5
Weighted average score			4.1

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	0.48	-4.67	-6.75	2.83	2.0
Y/Y	4.29	30	-2.81	240.16	6.3
3y average	19.04	9.91	5.82	97.33	7.5
5y average	15.54	10.39	9.56	48.43	8.0
Weighted average score					6.0

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	10.51	11.16	6.8
PEG (5yr expected)	N/A	98.42	1.0
P/S	3.10	3.37	4.4
P/B	1.03	1.53	7.4
Weighted average score			4.9

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR7.33%

FCF 5 year CAGR4

Fair value29.15$

Stock price28.45$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	3.23	3.23	8.0
Payout ratio	25.74	25.74	4.0
5-year dividend growth rate	8.61	8.61	9.0
Years of dividend increase	4.00	4.00	4.0
Weighted average score			6.3

Fair Value

$29.15

UndervaluedStock priceOvervalued

$28.45

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Dennis Shaffer

Country

United States

IPO Date

Employees

548

Fiscal Year End

January - December

Website

https://www.civb.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.05

2.82

1.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

0.41

0.05

7.0

Debt to Assets

0.05

0.09

9.0

Interest coverage

N/A

Weighted average score

5.6

METRIC

2022

2023

2024

2025

TTM

Total Revenue

155M

220M

244M

255M

261M

Gross Profit

N/A

Operating Income

47M

51M

37M

55M

66M

Net Income

39M

41M

31M

46M

54M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

36.09

0.44

Net margin %

29.96

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

N/A

0.00

1.0

Weighted average score

4.6

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

1.16

1.46

3.0

ROE

10.38

14.94

7.0

ROIC

8.38

0.00

6.0

ROCE

N/A

0.00

1.0

Weighted average score

4.3

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

10.42

2.21

5.0

Next quarter

6.74

-4.22

3.0

Current year

12.25

1.67

5.0

Next year

4.69

2.47

3.5

Weighted average score

4.1

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

0.48

-4.67

-6.75

2.83

2.0

Y/Y

4.29

-2.81

240.16

6.3

3y average

19.04

9.91

5.82

97.33

7.5

5y average

15.54

10.39

9.56

48.43

8.0

Weighted average score

6.0

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

10.51

11.16

6.8

PEG (5yr expected)

N/A

98.42

1.0

P/S

3.10

3.37

4.4

P/B

1.03

1.53

7.4

Weighted average score

4.9

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

3.23

8.0

Payout ratio

25.74

4.0

5-year dividend growth rate

8.61

9.0

Years of dividend increase

4.00

4.0

Weighted average score

6.3

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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Civista Bancshares, Inc. (CIVB)

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Civista Bancshares, Inc. (CIVB)

Stock details

About the company

Revenue Breakdown

News

Chart: CIVB

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$29.15

$28.45

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: CIVB

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$29.15

$28.45

Economic Moat