NASDAQ: CIVBCivista Bancshares Inc Stock
$19.93+0.07 (+0.35%)
Updated Apr 21, 2025
CIVB Price
$19.93
Fair Value Price
$6.33
Market Cap
$308.51M
52 Week Low
$13.60
52 Week High
$23.70
P/E
9.92x
P/B
0.79x
P/S
2.22x
PEG
0.72x
Dividend Yield
2.41%
Revenue
$149.09M
Earnings
$31.68M
Gross Margin
100%
Operating Margin
24.53%
Profit Margin
21.3%
Debt to Equity
9.55
Operating Cash Flow
$48M
Beta
0.84
Next Earnings
Apr 28, 2025
Ex-Dividend
N/A
Next Dividend
N/A
CIVB Overview
Civista Bancshares, Inc. operates as the financial holding company for Civista Bank that provides community banking services. It collects a range of customer deposits; and offers commercial and agriculture, commercial and residential real estate, farm real estate, real estate construction, consumer, and other loans, as well as letters of credit. The company also purchases securities; and provides trust and third-party insurance services. It operates approximately 42 locations in Northern, Central, Southwestern, and Northwestern Ohio, as well as Southeastern Indiana and Northern Kentucky. The company was formerly known as First Citizens Banc Corp and changed its name to Civista Bancshares, Inc. in May 2015. Civista Bancshares, Inc. was founded in 1884 and is headquartered in Sandusky, Ohio.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine CIVB's potential to beat the market
CHold
- Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More
Zen Rating Component Grades
C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Bank
Industry Rating
F
CIVB
Ranked#41 of 296
Ranked#41 of 296
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $12.60 | B | |
| $14.23 | B | |
| $30.90 | B |
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CIVB News
Overview
Due Diligence Score
–
Industry Average (33)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how CIVB scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
CIVB ($19.93) is overvalued by 214.77% relative to our estimate of its Fair Value price of $6.33 based on Discounted Cash Flow (DCF) modelling
Below Fair Value Valuation
CIVB ($19.93) is not significantly undervalued (214.77%) relative to our estimate of its Fair Value price of $6.33 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
CIVB ($19.93) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more CIVB due diligence checks available for Premium users.
Valuation
CIVB fair value
Fair Value of CIVB stock based on Discounted Cash Flow (DCF)
Price
$19.93
Fair Value
$6.33
Overvalued by
214.77%
CIVB ($19.93) is overvalued by... subscribe to Premium to read more.
Below Fair Value Valuation
CIVB ($19.93) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
CIVB ($19.93) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
CIVB price to earnings (PE)
For valuing profitable companies with steady earnings
Company
9.92x
Industry
13.07x
Market
27.14x
CIVB is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
CIVB is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
CIVB price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
0.79x
Industry
1.07x
CIVB is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
CIVB price to earnings growth (PEG)
For valuing profitable companies with growth potential
CIVB is good value based... subscribe to Premium to read more.
PEG Value Valuation
CIVB's financial health
Profit margin
Revenue
$39.7M
Net Income
$9.9M
Profit Margin
24.9%
CIVB's Earnings (EBIT) of $36.57M... subscribe to Premium to read more.
Interest Coverage Financials
CIVB's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$4.1B
Liabilities
$3.7B
Debt to equity
9.55
CIVB's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
CIVB's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$22.6M
Investing
-$71.7M
Financing
$37.6M
CIVB's operating cash flow ($48.25M)... subscribe to Premium to read more.
Debt Coverage Financials
CIVB vs Bank Stocks
Civista Bancshares Stock FAQ
Company
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