Civista Bancshares Statistics
Total Valuation
CIVB has a market cap or net worth of $608.23 million. The enterprise value is $779.27 million.
| Market Cap | 608.23M |
| Enterprise Value | 779.27M |
Important Dates
The last earnings date was Thursday, July 23, 2026, before market open.
| Earnings Date | Jul 23, 2026 |
| Ex-Dividend Date | Aug 4, 2026 |
Share Statistics
CIVB has 20.79 million shares outstanding. The number of shares has increased by 29.13% in one year.
| Current Share Class | 20.79M |
| Shares Outstanding | 20.79M |
| Shares Change (YoY) | +29.13% |
| Shares Change (QoQ) | +0.00% |
| Owned by Insiders (%) | 2.37% |
| Owned by Institutions (%) | 65.33% |
| Float | 20.29M |
Valuation Ratios
The trailing PE ratio is 10.86 and the forward PE ratio is 10.47.
| PE Ratio | 10.86 |
| Forward PE | 10.47 |
| PS Ratio | 3.35 |
| Forward PS | 3.10 |
| PB Ratio | 1.07 |
| P/TBV Ratio | 1.44 |
| P/FCF Ratio | 12.17 |
| P/OCF Ratio | 11.84 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 14.39 |
| EV / Sales | 4.25 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 15.46 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 4.59 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 11.19%.
| Return on Equity (ROE) | 11.19% |
| Return on Assets (ROA) | 1.28% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 5.71% |
| Revenue Per Employee | $334,748 |
| Profits Per Employee | $98,823 |
| Employee Count | 548 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, CIVB has paid $11.25 million in taxes.
| Income Tax | 11.25M |
| Effective Tax Rate | 17.16% |
Stock Price Statistics
The stock price has increased by +44.98% in the last 52 weeks. The beta is 0.66, so CIVB's price volatility has been lower than the market average.
| Beta (5Y) | 0.66 |
| 52-Week Price Change | +44.98% |
| 50-Day Moving Average | 27.22 |
| 200-Day Moving Average | 24.12 |
| Relative Strength Index (RSI) | 64.67 |
| Average Volume (20 Days) | 126,346 |
Short Selling Information
The latest short interest is 414,597, so 1.99% of the outstanding shares have been sold short.
| Short Interest | 414,597 |
| Short Previous Month | 495,011 |
| Short % of Shares Out | 1.99% |
| Short % of Float | 2.04% |
| Short Ratio (days to cover) | 2.44 |
Income Statement
In the last 12 months, CIVB had revenue of $183.44 million and earned $54.16 million in profits. Earnings per share was $2.69.
| Revenue | 183.44M |
| Gross Profit | 183.44M |
| Operating Income | 69.84M |
| Pretax Income | 65.59M |
| Net Income | 54.16M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $2.69 |
Balance Sheet
The company has $65.87 million in cash and $231.50 million in debt, with a net cash position of -$165.63 million or -$7.97 per share.
| Cash & Cash Equivalents | 65.87M |
| Total Debt | 231.50M |
| Net Cash | -165.63M |
| Net Cash Per Share | -$7.97 |
| Equity (Book Value) | 566.79M |
| Book Value Per Share | 27.26 |
| Working Capital | -3.55B |
Cash Flow
In the last 12 months, operating cash flow was $51.84 million and capital expenditures -$1.44 million, giving a free cash flow of $50.40 million.
| Operating Cash Flow | 51.84M |
| Capital Expenditures | -1.44M |
| Depreciation & Amortization | n/a |
| Net Borrowing | -263.16M |
| Free Cash Flow | 50.40M |
| FCF Per Share | $2.42 |
Margins
| Gross Margin | n/a |
| Operating Margin | 38.07% |
| Pretax Margin | 35.75% |
| Profit Margin | 29.62% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 28.32% |
Dividends & Yields
This stock pays an annual dividend of $0.72, which amounts to a dividend yield of 2.46%.
| Dividend Per Share | $0.72 |
| Dividend Yield | 2.46% |
| Dividend Growth (YoY) | 5.97% |
| Years of Dividend Growth | 14 |
| Payout Ratio | 26.72% |
| Buyback Yield | -29.13% |
| Shareholder Yield | -26.68% |
| Earnings Yield | 8.83% |
| FCF Yield | 8.21% |
Analyst Forecast
The average price target for CIVB is $31.00, which is 5.98% higher than the current price. The consensus rating is "Buy".
| Price Target | $31.00 |
| Price Target Difference | 5.98% |
| Analyst Consensus | Buy |
| Analyst Count | 6 |
| Revenue Growth Forecast (3Y) | n/a |
| EPS Growth Forecast (3Y) | 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 | 3 |