Civista Bancshares, Inc. (CIVB)

Civista Bancshares Statistics

Total Valuation

CIVB has a market cap or net worth of $496.26 million. The enterprise value is $701.95 million.

Market Cap	496.26M
Enterprise Value	701.95M

Important Dates

The last earnings date was Thursday, January 29, 2026, before market open.

Earnings Date	Jan 29, 2026
Ex-Dividend Date	Feb 10, 2026

Share Statistics

CIVB has 20.75 million shares outstanding. The number of shares has increased by 13.19% in one year.

Current Share Class	20.75M
Shares Outstanding	20.75M
Shares Change (YoY)	+13.19%
Shares Change (QoQ)	+7.60%
Owned by Insiders (%)	2.18%
Owned by Institutions (%)	62.64%
Float	20.29M

Valuation Ratios

The trailing PE ratio is 9.06 and the forward PE ratio is 9.17.

PE Ratio	9.06
Forward PE	9.17
PS Ratio	2.93
Forward PS	2.54
PB Ratio	0.91
P/TBV Ratio	1.24
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	15.24
EV / Sales	4.15
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 9.92%.

Return on Equity (ROE)	9.92%
Return on Assets (ROA)	1.10%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	5.06%
Revenue Per Employee	$321,622
Profits Per Employee	$87,540
Employee Count	526
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CIVB has paid $9.02 million in taxes.

Income Tax	9.02M
Effective Tax Rate	16.34%

Stock Price Statistics

The stock price has increased by +13.38% in the last 52 weeks. The beta is 0.67, so CIVB's price volatility has been lower than the market average.

Beta (5Y)	0.67
52-Week Price Change	+13.38%
50-Day Moving Average	23.44
200-Day Moving Average	22.07
Relative Strength Index (RSI)	51.88
Average Volume (20 Days)	94,062

Short Selling Information

The latest short interest is 237,649, so 1.15% of the outstanding shares have been sold short.

Short Interest	237,649
Short Previous Month	278,907
Short % of Shares Out	1.15%
Short % of Float	1.17%
Short Ratio (days to cover)	2.43

Income Statement

In the last 12 months, CIVB had revenue of $169.17 million and earned $46.05 million in profits. Earnings per share was $2.64.

Revenue	169.17M
Gross Profit	169.17M
Operating Income	63.57M
Pretax Income	55.24M
Net Income	46.05M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.64

Balance Sheet

The company has $78.49 million in cash and $284.18 million in debt, with a net cash position of -$205.69 million or -$9.91 per share.

Cash & Cash Equivalents	78.49M
Total Debt	284.18M
Net Cash	-205.69M
Net Cash Per Share	-$9.91
Equity (Book Value)	543.47M
Book Value Per Share	26.20
Working Capital	-3.60B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	37.58%
Pretax Margin	32.65%
Profit Margin	27.32%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.72, which amounts to a dividend yield of 3.01%.

Dividend Per Share	$0.72
Dividend Yield	3.01%
Dividend Growth (YoY)	6.15%
Years of Dividend Growth	14
Payout Ratio	26.14%
Buyback Yield	-13.19%
Shareholder Yield	-10.18%
Earnings Yield	9.28%
FCF Yield	n/a

Analyst Forecast

The average price target for CIVB is $26.00, which is 8.53% higher than the current price. The consensus rating is "Buy".

Price Target	$26.00
Price Target Difference	8.53%
Analyst Consensus	Buy
Analyst Count	5
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on June 5, 1996. It was a forward split with a ratio of 4:1.

Last Split Date	Jun 5, 1996
Split Type	Forward
Split Ratio	4:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	2