Civista Bancshares Statistics
Total Valuation
CIVB has a market cap or net worth of $592.78 million. The enterprise value is $762.89 million.
| Market Cap | 592.78M |
| Enterprise Value | 762.89M |
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 (%) | 67.26% |
| Float | 20.20M |
Valuation Ratios
The trailing PE ratio is 10.25 and the forward PE ratio is 9.74.
| PE Ratio | 10.25 |
| Forward PE | 9.74 |
| PS Ratio | 3.17 |
| Forward PS | 2.97 |
| PB Ratio | 1.07 |
| P/TBV Ratio | 1.43 |
| P/FCF Ratio | 9.25 |
| P/OCF Ratio | 8.92 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 13.28 |
| EV / Sales | 4.07 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 11.90 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 0.44 |
| Debt / EBITDA | n/a |
| Debt / FCF | 3.79 |
| 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) | 5.51% |
| Revenue Per Employee | $340,455 |
| Profits Per Employee | $104,464 |
| Employee Count | 550 |
| 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 +30.66% in the last 52 weeks. The beta is 0.64, so CIVB's price volatility has been lower than the market average.
| Beta (5Y) | 0.64 |
| 52-Week Price Change | +30.66% |
| 50-Day Moving Average | 27.47 |
| 200-Day Moving Average | 26.12 |
| Relative Strength Index (RSI) | 57.81 |
| Average Volume (20 Days) | 131,990 |
Short Selling Information
The latest short interest is 726,715, so 3.51% of the outstanding shares have been sold short.
| Short Interest | 726,715 |
| Short Previous Month | 736,245 |
| Short % of Shares Out | 3.51% |
| Short % of Float | 3.60% |
| Short Ratio (days to cover) | 5.80 |
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 | 74.09M |
| 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 $72.74 million in cash and $242.85 million in debt, with a net cash position of -$170.11 million or -$8.21 per share.
| Cash & Cash Equivalents | 72.74M |
| Total Debt | 242.85M |
| Net Cash | -170.11M |
| Net Cash Per Share | -$8.21 |
| Equity (Book Value) | 552.74M |
| Book Value Per Share | 26.69 |
| Working Capital | -3.54B |
Cash Flow
In the last 12 months, operating cash flow was $66.48 million and capital expenditures -$2.37 million, giving a free cash flow of $64.11 million.
| Operating Cash Flow | 66.48M |
| Capital Expenditures | -2.37M |
| Depreciation & Amortization | n/a |
| Net Borrowing | -112.06M |
| Free Cash Flow | 64.11M |
| FCF Per Share | $3.10 |
Margins
| Gross Margin | n/a |
| Operating Margin | 39.57% |
| Pretax Margin | 37.25% |
| Profit Margin | 30.76% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 34.24% |
Dividends & Yields
This stock pays an annual dividend of $0.72, which amounts to a dividend yield of 2.52%.
| Dividend Per Share | $0.72 |
| Dividend Yield | 2.52% |
| Dividend Growth (YoY) | 5.88% |
| Years of Dividend Growth | 14 |
| Payout Ratio | 25.78% |
| FCF Payout Ratio | 23.26% |
| Buyback Yield | -26.61% |
| Shareholder Yield | -24.09% |
| Earnings Yield | 9.76% |
| FCF Yield | 10.82% |
Analyst Forecast
The average price target for CIVB is $31.33, which is 9.47% higher than the current price. The consensus rating is "Buy".
| Price Target | $31.33 |
| Price Target Difference | 9.47% |
| Analyst Consensus | Buy |
| Analyst Count | 6 |
| Revenue Growth Forecast (3Y) | 6.85% |
| EPS Growth Forecast (3Y) | 3.97% |
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 | |
| Graham Formula Value | |
| Graham Formula 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 |