Civista Bancshares Statistics
Total Valuation
CIVB has a market cap or net worth of $584.49 million. The enterprise value is $743.58 million.
| Market Cap | 584.49M |
| Enterprise Value | 743.58M |
Important Dates
The last earnings date was Thursday, October 22, 2026, before market open.
| Earnings Date | Oct 22, 2026 |
| Ex-Dividend Date | Nov 3, 2026 |
Share Statistics
CIVB has 20.71 million shares outstanding. The number of shares has increased by 26.61% in one year.
| Current Share Class | 20.71M |
| Shares Outstanding | 20.71M |
| Shares Change (YoY) | +26.61% |
| Shares Change (QoQ) | -0.05% |
| Owned by Insiders (%) | 2.41% |
| Owned by Institutions (%) | 67.04% |
| Float | 20.28M |
Valuation Ratios
The trailing PE ratio is 10.10 and the forward PE ratio is 9.62.
| PE Ratio | 10.10 |
| Forward PE | 9.62 |
| PS Ratio | 3.14 |
| Forward PS | 2.99 |
| PB Ratio | 1.05 |
| P/TBV Ratio | 1.43 |
| P/FCF Ratio | 10.46 |
| P/OCF Ratio | 10.17 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 13.01 |
| EV / Sales | 3.99 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 13.29 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 0.42 |
| Debt / EBITDA | n/a |
| Debt / FCF | 4.09 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 10.95%.
| Return on Equity (ROE) | 10.95% |
| Return on Assets (ROA) | 1.37% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 5.63% |
| Revenue Per Employee | $341,697 |
| Profits Per Employee | $104,845 |
| Employee Count | 548 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, CIVB has paid $12.15 million in taxes.
| Income Tax | 12.15M |
| Effective Tax Rate | 17.42% |
Stock Price Statistics
The stock price has increased by +35.47% 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 | +35.47% |
| 50-Day Moving Average | 27.20 |
| 200-Day Moving Average | 25.67 |
| Relative Strength Index (RSI) | 65.21 |
| Average Volume (20 Days) | 117,463 |
Short Selling Information
The latest short interest is 736,245, so 3.55% of the outstanding shares have been sold short.
| Short Interest | 736,245 |
| Short Previous Month | 640,535 |
| Short % of Shares Out | 3.55% |
| Short % of Float | 3.63% |
| Short Ratio (days to cover) | 5.03 |
Income Statement
In the last 12 months, CIVB had revenue of $187.25 million and earned $57.46 million in profits. Earnings per share was $2.79.
| Revenue | 187.25M |
| Gross Profit | 187.25M |
| Operating Income | 73.85M |
| Pretax Income | 69.74M |
| Net Income | 57.46M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $2.79 |
Balance Sheet
The company has $70.88 million in cash and $229.97 million in debt, with a net cash position of -$159.09 million or -$7.68 per share.
| Cash & Cash Equivalents | 70.88M |
| Total Debt | 229.97M |
| Net Cash | -159.09M |
| Net Cash Per Share | -$7.68 |
| Equity (Book Value) | 552.74M |
| Book Value Per Share | 26.69 |
| Working Capital | -3.57B |
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 | $2.72 |
Margins
| Gross Margin | n/a |
| Operating Margin | 39.44% |
| Pretax Margin | 37.25% |
| Profit Margin | 30.76% |
| 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 2.56%.
| Dividend Per Share | $0.72 |
| Dividend Yield | 2.56% |
| Dividend Growth (YoY) | 5.88% |
| Years of Dividend Growth | 14 |
| Payout Ratio | 25.79% |
| FCF Payout Ratio | 26.51% |
| Buyback Yield | -26.61% |
| Shareholder Yield | -24.07% |
| Earnings Yield | 9.90% |
| FCF Yield | 9.56% |
Analyst Forecast
The average price target for CIVB is $30.92, which is 9.57% higher than the current price. The consensus rating is "Buy".
| Price Target | $30.92 |
| Price Target Difference | 9.57% |
| Analyst Consensus | Buy |
| Analyst Count | 6 |
| Revenue Growth Forecast (3Y) | 6.24% |
| EPS Growth Forecast (3Y) | 3.01% |
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 |