Civista Bancshares, Inc. (CIVB)

Civista Bancshares Statistics

Total Valuation

CIVB has a market cap or net worth of $301.39 million. The enterprise value is $695.06 million.

Market Cap	301.39M
Enterprise Value	695.06M

Important Dates

The next estimated earnings date is Tuesday, April 29, 2025, before market open.

Earnings Date	Apr 29, 2025
Ex-Dividend Date	Feb 4, 2025

Share Statistics

CIVB has 15.48 million shares outstanding. The number of shares has increased by 1.56% in one year.

Current Share Class	15.48M
Shares Outstanding	15.48M
Shares Change (YoY)	+1.56%
Shares Change (QoQ)	-0.05%
Owned by Insiders (%)	3.55%
Owned by Institutions (%)	55.95%
Float	14.92M

Valuation Ratios

The trailing PE ratio is 9.69 and the forward PE ratio is 8.29.

PE Ratio	9.69
Forward PE	8.29
PS Ratio	2.01
Forward PS	1.75
PB Ratio	0.78
P/TBV Ratio	1.17
P/FCF Ratio	6.84
P/OCF Ratio	6.25
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	22.41
EV / Sales	4.66
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	15.78

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	10.52
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	$282,911
Profits Per Employee	$58,846
Employee Count	527
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 +27.76% in the last 52 weeks. The beta is 0.78, so CIVB's price volatility has been lower than the market average.

Beta (5Y)	0.78
52-Week Price Change	+27.76%
50-Day Moving Average	20.56
200-Day Moving Average	18.95
Relative Strength Index (RSI)	43.51
Average Volume (20 Days)	33,793

Short Selling Information

The latest short interest is 150,688, so 0.97% of the outstanding shares have been sold short.

Short Interest	150,688
Short Previous Month	150,291
Short % of Shares Out	0.97%
Short % of Float	1.01%
Short Ratio (days to cover)	4.66

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	40.69M
Pretax Income	38.76M
Net Income	31.01M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.01

Balance Sheet

The company has $69.91 million in cash and $463.58 million in debt, giving a net cash position of -$393.67 million or -$25.43 per share.

Cash & Cash Equivalents	69.91M
Total Debt	463.58M
Net Cash	-393.67M
Net Cash Per Share	-$25.43
Equity (Book Value)	388.50M
Book Value Per Share	25.08
Working Capital	-3.51B

Cash Flow

In the last 12 months, operating cash flow was $48.25 million and capital expenditures -$4.19 million, giving a free cash flow of $44.06 million.

Operating Cash Flow	48.25M
Capital Expenditures	-4.19M
Free Cash Flow	44.06M
FCF Per Share	$2.85

Margins

Gross Margin	n/a
Operating Margin	27.29%
Pretax Margin	24.53%
Profit Margin	21.25%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	29.55%

Dividends & Yields

This stock pays an annual dividend of $0.68, which amounts to a dividend yield of 3.49%.

Dividend Per Share	$0.68
Dividend Yield	3.49%
Dividend Growth (YoY)	3.17%
Years of Dividend Growth	10
Payout Ratio	33.83%
Buyback Yield	-1.56%
Shareholder Yield	1.93%
Earnings Yield	10.29%
FCF Yield	14.62%

Analyst Forecast

The average price target for CIVB is $22.67, which is 16.44% higher than the current price. The consensus rating is "Buy".

Price Target	$22.67
Price Target Difference	16.44%
Analyst Consensus	Buy
Analyst Count	4
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

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