Civista Bancshares, Inc. (CIVB)

Civista Bancshares Statistics

Total Valuation

CIVB has a market cap or net worth of $283.57 million.

Market Cap	283.57M
Enterprise Value	n/a

Important Dates

The next confirmed earnings date is Tuesday, October 29, 2024, before market open.

Earnings Date	Oct 29, 2024
Ex-Dividend Date	Aug 6, 2024

Share Statistics

CIVB has 15.74 million shares outstanding. The number of shares has decreased by -0.55% in one year.

Shares Outstanding	15.74M
Shares Change (YoY)	-0.55%
Shares Change (QoQ)	+0.02%
Owned by Insiders (%)	4.34%
Owned by Institutions (%)	53.72%
Float	15.05M

Valuation Ratios

The trailing PE ratio is 8.56 and the forward PE ratio is 10.65.

PE Ratio	8.56
Forward PE	10.65
PS Ratio	1.87
Forward PS	1.77
PB Ratio	0.77
P/FCF Ratio	8.38
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
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	18.35
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 9.25%.

Return on Equity (ROE)	9.25%
Return on Assets (ROA)	0.88%
Return on Capital (ROIC)	n/a
Revenue Per Employee	$277,323
Profits Per Employee	$60,568
Employee Count	532
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CIVB has paid $5.30 million in taxes.

Income Tax	5.30M
Effective Tax Rate	13.66%

Stock Price Statistics

The stock price has increased by +20.82% in the last 52 weeks. The beta is 0.80, so CIVB's price volatility has been lower than the market average.

Beta (5Y)	0.80
52-Week Price Change	+20.82%
50-Day Moving Average	17.34
200-Day Moving Average	15.89
Relative Strength Index (RSI)	58.79
Average Volume (20 Days)	39,605

Short Selling Information

The latest short interest is 164,010, so 1.04% of the outstanding shares have been sold short.

Short Interest	164,010
Short Previous Month	141,631
Short % of Shares Out	1.04%
Short % of Float	1.09%
Short Ratio (days to cover)	3.53

Income Statement

In the last 12 months, CIVB had revenue of $147.54 million and earned $32.22 million in profits. Earnings per share was $2.13.

Revenue	147.54M
Gross Profit	147.54M
Operating Income	42.19M
Pretax Income	38.76M
Net Income	32.22M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.13

Balance Sheet

The company has $71.76 million in cash and $628.07 million in debt, giving a net cash position of -$556.31 million or -$35.35 per share.

Cash & Cash Equivalents	71.76M
Total Debt	628.07M
Net Cash	-556.31M
Net Cash Per Share	-$35.35
Equity (Book Value)	373.81M
Book Value Per Share	23.75
Working Capital	-3.43B

Cash Flow

In the last 12 months, operating cash flow was $36.29 million and capital expenditures -$2.07 million, giving a free cash flow of $34.22 million.

Operating Cash Flow	36.29M
Capital Expenditures	-2.07M
Free Cash Flow	34.22M
FCF Per Share	$2.17

Margins

Gross Margin	n/a
Operating Margin	28.60%
Pretax Margin	26.27%
Profit Margin	22.68%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	23.32%

Dividends & Yields

This stock pays an annual dividend of $0.64, which amounts to a dividend yield of 3.51%.

Dividend Per Share	$0.64
Dividend Yield	3.51%
Dividend Growth (YoY)	8.47%
Years of Dividend Growth	12
Payout Ratio	30.05%
Buyback Yield	0.55%
Shareholder Yield	4.06%
Earnings Yield	11.24%
FCF Yield	11.94%

Analyst Forecast

The average price target for CIVB is $18.75, which is 4.05% higher than the current price. The consensus rating is "Hold".

Price Target	$18.75
Price Target Difference	4.05%
Analyst Consensus	Hold
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