Civista Bancshares Statistics
Total Valuation
CIVB has a market cap or net worth of $473.04 million. The enterprise value is $756.52 million.
Important Dates
The last earnings date was Thursday, October 23, 2025, before market open.
| Earnings Date | Oct 23, 2025 |
| Ex-Dividend Date | Nov 4, 2025 |
Share Statistics
CIVB has 20.75 million shares outstanding. The number of shares has increased by 5.99% in one year.
| Current Share Class | 20.75M |
| Shares Outstanding | 20.75M |
| Shares Change (YoY) | +5.99% |
| Shares Change (QoQ) | +21.05% |
| Owned by Insiders (%) | 2.77% |
| Owned by Institutions (%) | 63.10% |
| Float | 20.16M |
Valuation Ratios
The trailing PE ratio is 8.56 and the forward PE ratio is 9.01.
| PE Ratio | 8.56 |
| Forward PE | 9.01 |
| PS Ratio | 2.27 |
| Forward PS | 2.47 |
| PB Ratio | 0.88 |
| P/TBV Ratio | 1.28 |
| P/FCF Ratio | 9.27 |
| P/OCF Ratio | 8.44 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 17.41 |
| EV / Sales | 4.64 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 14.83 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 6.87 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 9.81%.
| Return on Equity (ROE) | 9.81% |
| Return on Assets (ROA) | 1.07% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $309,478 |
| Profits Per Employee | $82,442 |
| Employee Count | 527 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, CIVB has paid $8.03 million in taxes.
| Income Tax | 8.03M |
| Effective Tax Rate | 15.48% |
Stock Price Statistics
The stock price has decreased by -1.76% in the last 52 weeks. The beta is 0.70, so CIVB's price volatility has been lower than the market average.
| Beta (5Y) | 0.70 |
| 52-Week Price Change | -1.76% |
| 50-Day Moving Average | 21.24 |
| 200-Day Moving Average | 21.17 |
| Relative Strength Index (RSI) | 65.40 |
| Average Volume (20 Days) | 67,513 |
Short Selling Information
The latest short interest is 278,669, so 1.34% of the outstanding shares have been sold short.
| Short Interest | 278,669 |
| Short Previous Month | 277,395 |
| Short % of Shares Out | 1.34% |
| Short % of Float | 1.38% |
| Short Ratio (days to cover) | 2.54 |
Income Statement
In the last 12 months, CIVB had revenue of $163.10 million and earned $43.45 million in profits. Earnings per share was $2.66.
| Revenue | 163.10M |
| Gross Profit | 163.10M |
| Operating Income | 56.45M |
| Pretax Income | 51.87M |
| Net Income | 43.45M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $2.66 |
Full Income StatementBalance Sheet
The company has $67.19 million in cash and $350.67 million in debt, giving a net cash position of -$283.48 million or -$13.66 per share.
| Cash & Cash Equivalents | 67.19M |
| Total Debt | 350.67M |
| Net Cash | -283.48M |
| Net Cash Per Share | -$13.66 |
| Equity (Book Value) | 499.03M |
| Book Value Per Share | 25.84 |
| Working Capital | -3.40B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $56.06 million and capital expenditures -$5.03 million, giving a free cash flow of $51.03 million.
| Operating Cash Flow | 56.06M |
| Capital Expenditures | -5.03M |
| Free Cash Flow | 51.03M |
| FCF Per Share | $2.46 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 34.61% |
| Pretax Margin | 31.80% |
| Profit Margin | 26.88% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 31.29% |
Dividends & Yields
This stock pays an annual dividend of $0.68, which amounts to a dividend yield of 2.98%.
| Dividend Per Share | $0.68 |
| Dividend Yield | 2.98% |
| Dividend Growth (YoY) | 6.25% |
| Years of Dividend Growth | 13 |
| Payout Ratio | 25.53% |
| Buyback Yield | -5.99% |
| Shareholder Yield | -3.01% |
| Earnings Yield | 9.18% |
| FCF Yield | 10.79% |
Dividend DetailsAnalyst Forecast
The average price target for CIVB is $25.40, which is 11.31% higher than the current price. The consensus rating is "Buy".
| Price Target | $25.40 |
| Price Target Difference | 11.31% |
| Analyst Consensus | Buy |
| Analyst Count | 5 |
| 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 |
