Civista Bancshares Statistics
Total Valuation
CIVB has a market cap or net worth of $478.47 million. The enterprise value is $693.05 million.
Important Dates
The next confirmed earnings date is Wednesday, April 22, 2026, before market open.
| Earnings Date | Apr 22, 2026 |
| Ex-Dividend Date | Feb 10, 2026 |
Share Statistics
CIVB has 20.74 million shares outstanding. The number of shares has increased by 13.19% in one year.
| Current Share Class | 20.74M |
| Shares Outstanding | 20.74M |
| Shares Change (YoY) | +13.19% |
| Shares Change (QoQ) | +7.60% |
| Owned by Insiders (%) | 2.22% |
| Owned by Institutions (%) | 62.84% |
| Float | 20.27M |
Valuation Ratios
The trailing PE ratio is 8.78 and the forward PE ratio is 8.89.
| PE Ratio | 8.78 |
| Forward PE | 8.89 |
| PS Ratio | 2.85 |
| Forward PS | 2.47 |
| PB Ratio | 0.87 |
| P/TBV Ratio | 1.20 |
| P/FCF Ratio | 11.46 |
| P/OCF Ratio | 11.16 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 15.05 |
| EV / Sales | 4.10 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 16.46 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 6.94 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 9.92%.
| Return on Equity (ROE) | 9.92% |
| Return on Assets (ROA) | 1.10% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 4.80% |
| Revenue Per Employee | $321,622 |
| Profits Per Employee | $87,540 |
| Employee Count | 526 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, CIVB has paid $9.02 million in taxes.
| Income Tax | 9.02M |
| Effective Tax Rate | 16.34% |
Stock Price Statistics
The stock price has increased by +18.76% in the last 52 weeks. The beta is 0.63, so CIVB's price volatility has been lower than the market average.
| Beta (5Y) | 0.63 |
| 52-Week Price Change | +18.76% |
| 50-Day Moving Average | 23.35 |
| 200-Day Moving Average | 22.11 |
| Relative Strength Index (RSI) | 56.57 |
| Average Volume (20 Days) | 85,050 |
Short Selling Information
The latest short interest is 269,237, so 1.30% of the outstanding shares have been sold short.
| Short Interest | 269,237 |
| Short Previous Month | 258,716 |
| Short % of Shares Out | 1.30% |
| Short % of Float | 1.33% |
| Short Ratio (days to cover) | 3.55 |
Income Statement
In the last 12 months, CIVB had revenue of $169.17 million and earned $46.05 million in profits. Earnings per share was $2.64.
| Revenue | 169.17M |
| Gross Profit | 169.17M |
| Operating Income | 59.48M |
| Pretax Income | 55.24M |
| Net Income | 46.05M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $2.64 |
Full Income StatementBalance Sheet
The company has $81.98 million in cash and $292.31 million in debt, with a net cash position of -$210.34 million or -$10.14 per share.
| Cash & Cash Equivalents | 81.98M |
| Total Debt | 292.31M |
| Net Cash | -210.34M |
| Net Cash Per Share | -$10.14 |
| Equity (Book Value) | 543.47M |
| Book Value Per Share | 26.20 |
| Working Capital | -3.57B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $43.27 million and capital expenditures -$1.16 million, giving a free cash flow of $42.12 million.
| Operating Cash Flow | 43.27M |
| Capital Expenditures | -1.16M |
| Depreciation & Amortization | n/a |
| Net Borrowing | -166.85M |
| Free Cash Flow | 42.12M |
| FCF Per Share | $2.03 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 35.16% |
| Pretax Margin | 32.65% |
| Profit Margin | 27.32% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 24.89% |
Dividends & Yields
This stock pays an annual dividend of $0.72, which amounts to a dividend yield of 3.11%.
| Dividend Per Share | $0.72 |
| Dividend Yield | 3.11% |
| Dividend Growth (YoY) | 6.15% |
| Years of Dividend Growth | 14 |
| Payout Ratio | 26.14% |
| Buyback Yield | -13.19% |
| Shareholder Yield | -10.09% |
| Earnings Yield | 9.54% |
| FCF Yield | 8.72% |
Dividend DetailsAnalyst Forecast
The average price target for CIVB is $26.00, which is 12.68% higher than the current price. The consensus rating is "Buy".
| Price Target | $26.00 |
| Price Target Difference | 12.68% |
| Analyst Consensus | Buy |
| Analyst Count | 5 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair 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 | 3 |
