Civista Bancshares Statistics

Total Valuation

CIVB has a market cap or net worth of $324.99 million. The enterprise value is $711.26 million.

Market Cap	324.99M
Enterprise Value	711.26M

Important Dates

The last earnings date was Thursday, January 30, 2025, before market open.

Earnings Date	Jan 30, 2025
Ex-Dividend Date	Feb 4, 2025

Share Statistics

CIVB has 15.74 million shares outstanding. The number of shares has increased by 1.56% in one year.

Current Share Class	15.74M
Shares Outstanding	15.74M
Shares Change (YoY)	+1.56%
Shares Change (QoQ)	-0.05%
Owned by Insiders (%)	3.40%
Owned by Institutions (%)	54.91%
Float	15.19M

Valuation Ratios

The trailing PE ratio is 10.27 and the forward PE ratio is 8.82.

PE Ratio	10.27
Forward PE	8.82
PS Ratio	2.13
Forward PS	1.89
PB Ratio	0.84
P/TBV Ratio	1.27
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	22.94
EV / Sales	4.77
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 8.33%.

Return on Equity (ROE)	8.33%
Return on Assets (ROA)	0.80%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$280,780
Profits Per Employee	$58,403
Employee Count	531
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CIVB has paid $4.89 million in taxes.

Income Tax	4.89M
Effective Tax Rate	13.37%

Stock Price Statistics

The stock price has increased by +33.14% in the last 52 weeks. The beta is 0.80, so CIVB's price volatility has been lower than the market average.

Beta (5Y)	0.80
52-Week Price Change	+33.14%
50-Day Moving Average	21.21
200-Day Moving Average	18.28
Relative Strength Index (RSI)	42.53
Average Volume (20 Days)	47,775

Short Selling Information

The latest short interest is 150,291, so 0.95% of the outstanding shares have been sold short.

Short Interest	150,291
Short Previous Month	147,022
Short % of Shares Out	0.95%
Short % of Float	0.99%
Short Ratio (days to cover)	3.06

Income Statement

In the last 12 months, CIVB had revenue of $149.09 million and earned $31.01 million in profits. Earnings per share was $2.01.

Revenue	149.09M
Gross Profit	149.09M
Operating Income	36.57M
Pretax Income	38.76M
Net Income	31.01M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.01

Full Income Statement

Balance Sheet

The company has $64.61 million in cash and $450.88 million in debt, giving a net cash position of -$386.28 million or -$24.54 per share.

Cash & Cash Equivalents	64.61M
Total Debt	450.88M
Net Cash	-386.28M
Net Cash Per Share	-$24.54
Equity (Book Value)	388.50M
Book Value Per Share	24.69
Working Capital	-3.53B

Full Balance Sheet

Cash Flow

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

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	24.53%
Pretax Margin	24.53%
Profit Margin	21.25%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.68, which amounts to a dividend yield of 3.29%.

Dividend Per Share	$0.68
Dividend Yield	3.29%
Dividend Growth (YoY)	3.17%
Years of Dividend Growth	10
Payout Ratio	33.83%
Buyback Yield	-1.56%
Shareholder Yield	1.73%
Earnings Yield	9.54%
FCF Yield	n/a

Dividend Details

Analyst Forecast

The average price target for CIVB is $22.67, which is 9.78% higher than the current price. The consensus rating is "Buy".

Price Target	$22.67
Price Target Difference	9.78%
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	2