Civista Bancshares Statistics
Total Valuation
CIVB has a market cap or net worth of $573.92 million. The enterprise value is $746.30 million.
| Market Cap | 573.92M |
| Enterprise Value | 746.30M |
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 (%) | 66.24% |
| Float | 20.29M |
Valuation Ratios
The trailing PE ratio is 10.24 and the forward PE ratio is 9.87.
| PE Ratio | 10.24 |
| Forward PE | 9.87 |
| PS Ratio | 3.13 |
| Forward PS | 2.92 |
| PB Ratio | 1.01 |
| P/TBV Ratio | 1.34 |
| P/FCF Ratio | 10.20 |
| P/OCF Ratio | 9.92 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 13.78 |
| EV / Sales | 4.07 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 13.27 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 4.28 |
| 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) | 5.52% |
| 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 +37.45% in the last 52 weeks. The beta is 0.65, so CIVB's price volatility has been lower than the market average.
| Beta (5Y) | 0.65 |
| 52-Week Price Change | +37.45% |
| 50-Day Moving Average | 28.14 |
| 200-Day Moving Average | 24.74 |
| Relative Strength Index (RSI) | 39.62 |
| Average Volume (20 Days) | 143,600 |
Short Selling Information
The latest short interest is 501,143, so 2.41% of the outstanding shares have been sold short.
| Short Interest | 501,143 |
| Short Previous Month | 414,597 |
| Short % of Shares Out | 2.41% |
| Short % of Float | 2.47% |
| Short Ratio (days to cover) | 3.98 |
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 $68.22 million in cash and $240.60 million in debt, with a net cash position of -$172.38 million or -$8.29 per share.
| Cash & Cash Equivalents | 68.22M |
| Total Debt | 240.60M |
| Net Cash | -172.38M |
| Net Cash Per Share | -$8.29 |
| Equity (Book Value) | 566.79M |
| Book Value Per Share | 27.26 |
| Working Capital | -3.52B |
Cash Flow
In the last 12 months, operating cash flow was $57.87 million and capital expenditures -$1.61 million, giving a free cash flow of $56.25 million.
| Operating Cash Flow | 57.87M |
| Capital Expenditures | -1.61M |
| Depreciation & Amortization | n/a |
| Net Borrowing | -312.80M |
| Free Cash Flow | 56.25M |
| FCF Per Share | $2.71 |
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 | 30.67% |
Dividends & Yields
This stock pays an annual dividend of $0.72, which amounts to a dividend yield of 2.61%.
| Dividend Per Share | $0.72 |
| Dividend Yield | 2.61% |
| Dividend Growth (YoY) | 5.97% |
| Years of Dividend Growth | 14 |
| Payout Ratio | 26.72% |
| Buyback Yield | -29.13% |
| Shareholder Yield | -26.52% |
| Earnings Yield | 9.44% |
| FCF Yield | 9.80% |
Analyst Forecast
The average price target for CIVB is $31.17, which is 12.94% higher than the current price. The consensus rating is "Buy".
| Price Target | $31.17 |
| Price Target Difference | 12.94% |
| 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 | 4 |