Civista Bancshares Statistics
Total Valuation
CIVB has a market cap or net worth of $340.18 million. The enterprise value is $730.50 million.
Important Dates
The next estimated earnings date is Monday, July 28, 2025, before market open.
| Earnings Date | Jul 28, 2025 |
| Ex-Dividend Date | Apr 29, 2025 |
Share Statistics
CIVB has 15.52 million shares outstanding. The number of shares has increased by 2.11% in one year.
| Current Share Class | 15.52M |
| Shares Outstanding | 15.52M |
| Shares Change (YoY) | +2.11% |
| Shares Change (QoQ) | +0.16% |
| Owned by Insiders (%) | 3.63% |
| Owned by Institutions (%) | 55.89% |
| Float | 14.95M |
Valuation Ratios
The trailing PE ratio is 9.77 and the forward PE ratio is 7.69.
| PE Ratio | 9.77 |
| Forward PE | 7.69 |
| PS Ratio | 2.22 |
| Forward PS | 1.95 |
| PB Ratio | 0.86 |
| P/TBV Ratio | 1.28 |
| P/FCF Ratio | 7.29 |
| P/OCF Ratio | 6.69 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 20.87 |
| EV / Sales | 4.76 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 15.58 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 10.30 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 9.25%.
| Return on Equity (ROE) | 9.25% |
| Return on Assets (ROA) | 0.88% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $291,317 |
| Profits Per Employee | $66,419 |
| Employee Count | 527 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, CIVB has paid $5.83 million in taxes.
| Income Tax | 5.83M |
| Effective Tax Rate | 14.10% |
Stock Price Statistics
The stock price has increased by +60.29% in the last 52 weeks. The beta is 0.68, so CIVB's price volatility has been lower than the market average.
| Beta (5Y) | 0.68 |
| 52-Week Price Change | +60.29% |
| 50-Day Moving Average | 21.73 |
| 200-Day Moving Average | 20.48 |
| Relative Strength Index (RSI) | 48.36 |
| Average Volume (20 Days) | 34,448 |
Short Selling Information
The latest short interest is 217,693, so 1.40% of the outstanding shares have been sold short.
| Short Interest | 217,693 |
| Short Previous Month | 184,912 |
| Short % of Shares Out | 1.40% |
| Short % of Float | 1.46% |
| Short Ratio (days to cover) | 5.41 |
Income Statement
In the last 12 months, CIVB had revenue of $153.52 million and earned $35.00 million in profits. Earnings per share was $2.26.
| Revenue | 153.52M |
| Gross Profit | 153.52M |
| Operating Income | 45.76M |
| Pretax Income | 38.76M |
| Net Income | 35.00M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $2.26 |
Full Income StatementBalance Sheet
The company has $94.26 million in cash and $483.03 million in debt, giving a net cash position of -$388.77 million or -$25.05 per share.
| Cash & Cash Equivalents | 94.26M |
| Total Debt | 483.03M |
| Net Cash | -388.77M |
| Net Cash Per Share | -$25.05 |
| Equity (Book Value) | 397.43M |
| Book Value Per Share | 25.61 |
| Working Capital | -3.51B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $51.11 million and capital expenditures -$4.22 million, giving a free cash flow of $46.88 million.
| Operating Cash Flow | 51.11M |
| Capital Expenditures | -4.22M |
| Free Cash Flow | 46.88M |
| FCF Per Share | $3.02 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 29.81% |
| Pretax Margin | 26.91% |
| Profit Margin | 23.12% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 30.54% |
Dividends & Yields
This stock pays an annual dividend of $0.68, which amounts to a dividend yield of 3.08%.
| Dividend Per Share | $0.68 |
| Dividend Yield | 3.08% |
| Dividend Growth (YoY) | 3.13% |
| Years of Dividend Growth | 13 |
| Payout Ratio | 30.12% |
| Buyback Yield | -2.11% |
| Shareholder Yield | 0.97% |
| Earnings Yield | 10.24% |
| FCF Yield | 13.72% |
Dividend DetailsAnalyst Forecast
The average price target for CIVB is $25.67, which is 17.11% higher than the current price. The consensus rating is "Buy".
| Price Target | $25.67 |
| Price Target Difference | 17.11% |
| Analyst Consensus | Buy |
| Analyst Count | 4 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair 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 | 4 |