Civista Bancshares Statistics

Total Valuation

CIVB has a market cap or net worth of $351.87 million.

Market Cap	351.87M
Enterprise Value	n/a

Important Dates

The last earnings date was Tuesday, October 29, 2024, before market open.

Earnings Date	Oct 29, 2024
Ex-Dividend Date	Nov 5, 2024

Share Statistics

CIVB has 15.74 million shares outstanding. The number of shares has increased by 1.01% in one year.

Current Share Class	15.74M
Shares Outstanding	15.74M
Shares Change (YoY)	+1.01%
Shares Change (QoQ)	+1.76%
Owned by Insiders (%)	4.35%
Owned by Institutions (%)	53.30%
Float	15.04M

Valuation Ratios

The trailing PE ratio is 11.19 and the forward PE ratio is 11.23.

PE Ratio	11.19
Forward PE	11.23
PS Ratio	2.34
Forward PS	2.13
PB Ratio	0.89
P/TBV Ratio	1.34
P/FCF Ratio	13.34
P/OCF Ratio	12.69
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
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	15.44
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 8.65%.

Return on Equity (ROE)	8.65%
Return on Assets (ROA)	0.81%
Return on Capital (ROIC)	n/a
Revenue Per Employee	$275,498
Profits Per Employee	$57,570
Employee Count	532
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CIVB has paid $4.99 million in taxes.

Income Tax	4.99M
Effective Tax Rate	13.69%

Stock Price Statistics

The stock price has increased by +42.42% in the last 52 weeks. The beta is 0.77, so CIVB's price volatility has been lower than the market average.

Beta (5Y)	0.77
52-Week Price Change	+42.42%
50-Day Moving Average	19.12
200-Day Moving Average	16.29
Relative Strength Index (RSI)	68.38
Average Volume (20 Days)	75,058

Short Selling Information

The latest short interest is 122,395, so 0.78% of the outstanding shares have been sold short.

Short Interest	122,395
Short Previous Month	121,503
Short % of Shares Out	0.78%
Short % of Float	0.81%
Short Ratio (days to cover)	2.68

Income Statement

In the last 12 months, CIVB had revenue of $146.57 million and earned $30.63 million in profits. Earnings per share was $2.00.

Revenue	146.57M
Gross Profit	146.57M
Operating Income	39.70M
Pretax Income	38.76M
Net Income	30.63M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.00

Full Income Statement

Balance Sheet

The company has $84.31 million in cash and $407.23 million in debt, giving a net cash position of -$322.92 million or -$20.52 per share.

Cash & Cash Equivalents	84.31M
Total Debt	407.23M
Net Cash	-322.92M
Net Cash Per Share	-$20.52
Equity (Book Value)	394.44M
Book Value Per Share	25.07
Working Capital	-3.44B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was $27.73 million and capital expenditures -$1.36 million, giving a free cash flow of $26.37 million.

Operating Cash Flow	27.73M
Capital Expenditures	-1.36M
Free Cash Flow	26.37M
FCF Per Share	$1.68

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	27.09%
Pretax Margin	24.86%
Profit Margin	21.45%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	23.32%

Dividends & Yields

This stock pays an annual dividend of $0.64, which amounts to a dividend yield of 2.86%.

Dividend Per Share	$0.64
Dividend Yield	2.86%
Dividend Growth (YoY)	4.92%
Years of Dividend Growth	12
Payout Ratio	32.04%
Buyback Yield	-1.01%
Shareholder Yield	1.85%
Earnings Yield	8.70%
FCF Yield	7.49%

Dividend Details

Analyst Forecast

The average price target for CIVB is $19.67, which is -12.03% lower than the current price. The consensus rating is "Buy".

Price Target	$19.67
Price Target Difference	-12.03%
Analyst Consensus	Buy
Analyst Count	4
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Forecasts

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	3