Civista Bancshares, Inc. (CIVB)

Civista Bancshares Statistics

Total Valuation

CIVB has a market cap or net worth of $422.37 million. The enterprise value is $700.75 million.

Market Cap	422.37M
Enterprise Value	700.75M

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 19.31 million shares outstanding. The number of shares has increased by 6.86% in one year.

Current Share Class	19.31M
Shares Outstanding	19.31M
Shares Change (YoY)	+6.86%
Shares Change (QoQ)	+21.05%
Owned by Insiders (%)	3.04%
Owned by Institutions (%)	46.98%
Float	18.72M

Valuation Ratios

The trailing PE ratio is 8.21 and the forward PE ratio is 8.71.

PE Ratio	8.21
Forward PE	8.71
PS Ratio	2.18
Forward PS	2.19
PB Ratio	0.85
P/TBV Ratio	1.15
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	16.13
EV / Sales	4.30
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
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 increased by +4.54% 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	+4.54%
50-Day Moving Average	20.96
200-Day Moving Average	21.13
Relative Strength Index (RSI)	58.63
Average Volume (20 Days)	115,911

Short Selling Information

The latest short interest is 277,395, so 1.44% of the outstanding shares have been sold short.

Short Interest	277,395
Short Previous Month	297,545
Short % of Shares Out	1.44%
Short % of Float	1.48%
Short Ratio (days to cover)	2.28

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	56.44M
Pretax Income	51.87M
Net Income	43.45M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.66

Balance Sheet

The company has $63.50 million in cash and $341.88 million in debt, giving a net cash position of -$278.38 million or -$14.41 per share.

Cash & Cash Equivalents	63.50M
Total Debt	341.88M
Net Cash	-278.38M
Net Cash Per Share	-$14.41
Equity (Book Value)	499.03M
Book Value Per Share	25.84
Working Capital	-3.43B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

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	n/a

Dividends & Yields

This stock pays an annual dividend of $0.68, which amounts to a dividend yield of 3.13%.

Dividend Per Share	$0.68
Dividend Yield	3.13%
Dividend Growth (YoY)	6.25%
Years of Dividend Growth	13
Payout Ratio	25.53%
Buyback Yield	-6.86%
Shareholder Yield	-3.75%
Earnings Yield	10.29%
FCF Yield	n/a

Analyst Forecast

The average price target for CIVB is $25.40, which is 16.14% higher than the current price. The consensus rating is "Buy".

Price Target	$25.40
Price Target Difference	16.14%
Analyst Consensus	Buy
Analyst Count	5
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	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	2