Civista Bancshares Statistics
Total Valuation
CIVB has a market cap or net worth of $538.29 million. The enterprise value is $665.85 million.
Important Dates
The last earnings date was Wednesday, April 22, 2026, before market open.
| Earnings Date | Apr 22, 2026 |
| Ex-Dividend Date | May 5, 2026 |
Share Statistics
CIVB has 20.78 million shares outstanding. The number of shares has increased by 21.20% in one year.
| Current Share Class | 20.78M |
| Shares Outstanding | 20.78M |
| Shares Change (YoY) | +21.20% |
| Shares Change (QoQ) | +3.04% |
| Owned by Insiders (%) | 2.31% |
| Owned by Institutions (%) | 65.38% |
| Float | 20.29M |
Valuation Ratios
The trailing PE ratio is 9.57 and the forward PE ratio is 9.41.
| PE Ratio | 9.57 |
| Forward PE | 9.41 |
| PS Ratio | 3.02 |
| Forward PS | 2.71 |
| PB Ratio | 0.97 |
| P/TBV Ratio | 1.31 |
| P/FCF Ratio | 10.68 |
| P/OCF Ratio | 10.38 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 13.09 |
| EV / Sales | 3.74 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 13.21 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 4.30 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 10.75%.
| Return on Equity (ROE) | 10.75% |
| Return on Assets (ROA) | 1.21% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 5.62% |
| Revenue Per Employee | $332,692 |
| Profits Per Employee | $95,108 |
| Employee Count | 535 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, CIVB has paid $10.27 million in taxes.
| Income Tax | 10.27M |
| Effective Tax Rate | 16.76% |
Stock Price Statistics
The stock price has increased by +12.95% 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 | +12.95% |
| 50-Day Moving Average | 24.20 |
| 200-Day Moving Average | 22.69 |
| Relative Strength Index (RSI) | 65.14 |
| Average Volume (20 Days) | 62,940 |
Short Selling Information
The latest short interest is 250,668, so 1.21% of the outstanding shares have been sold short.
| Short Interest | 250,668 |
| Short Previous Month | 286,089 |
| Short % of Shares Out | 1.21% |
| Short % of Float | 1.24% |
| Short Ratio (days to cover) | 3.22 |
Income Statement
In the last 12 months, CIVB had revenue of $177.99 million and earned $50.88 million in profits. Earnings per share was $2.71.
| Revenue | 177.99M |
| Gross Profit | 177.99M |
| Operating Income | 65.47M |
| Pretax Income | 61.31M |
| Net Income | 50.88M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $2.71 |
Full Income StatementBalance Sheet
The company has $89.12 million in cash and $216.68 million in debt, with a net cash position of -$127.56 million or -$6.14 per share.
| Cash & Cash Equivalents | 89.12M |
| Total Debt | 216.68M |
| Net Cash | -127.56M |
| Net Cash Per Share | -$6.14 |
| Equity (Book Value) | 552.24M |
| Book Value Per Share | 26.57 |
| Working Capital | -3.52B |
Full Balance SheetCash 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 | $2.43 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 36.78% |
| Pretax Margin | 34.44% |
| Profit Margin | 28.67% |
| 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 2.79%.
| Dividend Per Share | $0.72 |
| Dividend Yield | 2.79% |
| Dividend Growth (YoY) | 6.06% |
| Years of Dividend Growth | 14 |
| Payout Ratio | 25.87% |
| Buyback Yield | -21.20% |
| Shareholder Yield | -18.41% |
| Earnings Yield | 9.45% |
| FCF Yield | 9.36% |
Dividend DetailsAnalyst Forecast
The average price target for CIVB is $27.67, which is 6.83% higher than the current price. The consensus rating is "Buy".
| Price Target | $27.67 |
| Price Target Difference | 6.83% |
| Analyst Consensus | Buy |
| Analyst Count | 6 |
| 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 |
