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CIVB Stock Chart & Stats
$28.58
$0.29(1.03%)
At close: 4:00 PM EDT
$28.58
$0.29(1.03%)
Day’s Range― - ―
52-Week Range$18.95 - $29.67
Previous Close$28.58
Volume125.19K
Average Volume (3M)106.13K
Market Cap
$603.96M
Enterprise Value$754.11
Total Cash (Recent Filing)$83.53M
Total Debt (Recent Filing)$210.83M
Price to Earnings (P/E)10.8
Beta0.86
Next Earnings
Oct 23, 2026EPS Estimate
0.7Next Dividend Ex-DateN/A
Dividend Yield2.41%
Share Statistics
EPS (TTM)2.72
Shares Outstanding20,783,348
10 Day Avg. Volume178,429
30 Day Avg. Volume106,125
Financial Highlights & Ratios
PEG Ratio0.27
Price to Book (P/B)0.72
Price to Sales (P/S)1.53
P/FCF Ratio9.24
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$31.67Price Target Upside10.80% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)2.86
Revenue Forecast (FY)$194.52M
Bulls Say, Bears Say
Bulls Say
Strengthened Balance Sheet / Lower LeverageLeverage has materially declined to a debt-to-equity of ~0.38 and equity has increased, giving Civista a more conservative capital structure. This durable improvement supports loss absorption, dividend consistency, organic growth and selective M&A without stressing capital ratios over the next several quarters.
Net Interest Margin Expansion And SustainabilityNIM has expanded to 3.89% driven by higher earning yields and lower cost of funds, and management guides to roughly flat to modest expansion near-term. Sustained margin improvement boosts core earnings power, supporting net interest income durability even if loan growth is mid-single digit.
Robust Loan Production And Growing PipelinesStrong originations ($351M quarterly) and materially larger pipelines (residential +14%, commercial +42%) underpin management's mid-single-digit loan growth target. Durable originations and $250M undrawn construction lines provide asset growth optionality and recurring fee opportunities over multiple quarters.
Bears Say
Deposit Competition And Funding PressureDeclining deposits and migration into higher-rate accounts indicate sustained competitive pressure for core funding. Over months this can raise funding costs, force more expensive deposit repricing or reliance on wholesale funding, and compress margins or slow loan growth if not offset by cheaper alternatives.
Material Unrealized Securities MarkdownsA sizeable AFS portfolio with $34.9M of unrealized losses (5.2%) poses mark-to-market risk if rates move or sales are needed in stress. Realizing losses would hit capital or earnings and could constrain capital deployment, making balance-sheet flexibility more vulnerable over a multi-month horizon.
Volatile Cash Flows And Cooling Revenue GrowthWhile recent operating cash flow improved, historical volatility and a slightly negative TTM revenue trend reduce predictability of free cash flow conversion. This variability complicates capital planning, reinvestment pacing and sustaining dividend/buyback policies across the next several quarters.
Civista Bancshares News
CIVB FAQ
What was Civista Bancshares Inc’s price range in the past 12 months?
Civista Bancshares Inc lowest stock price was $18.95 and its highest was $29.66 in the past 12 months.
What is Civista Bancshares Inc’s market cap?
Civista Bancshares Inc’s market cap is $603.96M.
When is Civista Bancshares Inc’s upcoming earnings report date?
Civista Bancshares Inc’s upcoming earnings report date is Oct 23, 2026 which is in 82 days.
How were Civista Bancshares Inc’s earnings last quarter?
Civista Bancshares Inc released its earnings results on Jul 23, 2026. The company reported $0.69 earnings per share for the quarter, beating the consensus estimate of $0.67 by $0.02.
Is Civista Bancshares Inc overvalued?
According to Wall Street analysts Civista Bancshares Inc’s price is currently Undervalued.
Does Civista Bancshares Inc pay dividends?
Civista Bancshares Inc pays a Quarterly dividend of $0.18 which represents an annual dividend yield of 2.41%. See more information on Civista Bancshares Inc dividends here
What is Civista Bancshares Inc’s EPS estimate?
Civista Bancshares Inc’s EPS estimate is 0.7.
How many shares outstanding does Civista Bancshares Inc have?
Civista Bancshares Inc has 20,783,348 shares outstanding.
What happened to Civista Bancshares Inc’s price movement after its last earnings report?
Civista Bancshares Inc reported an EPS of $0.69 in its last earnings report, beating expectations of $0.67. Following the earnings report the stock price went up 0.426%.
Which hedge fund is a major shareholder of Civista Bancshares Inc?
Currently, no hedge funds are holding shares in CIVB
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Civista Bancshares Stock Smart Score
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
$31.67 (10.80% Upside)
$31.67 (10.80% Upside)
Blogger Sentiment
Bullish
CIVB Sentiment 75%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 119.4K Shares
Last Quarter.
Last Quarter.
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
13.33%
12-Months-Change
Fundamentals
Return on Equity
2.41%
Trailing 12-Months
Asset Growth
2.59%
Trailing 12-Months
Company Description
Civista Bancshares Inc
Serving as the financial holding company for Civista Bank, Civista Bancshares, Inc. delivers comprehensive community banking services. The company actively gathers various customer deposits and provides a broad spectrum of lending products, encompassing commercial, agricultural, residential and commercial real estate, farm real estate, and construction loans, as well as consumer credit and letters of credit. Beyond banking, it also acquires securities and offers trust services alongside third-party insurance. With approximately 42 branch locations, Civista Bancshares extends its reach across Northern, Central, Southwestern, and Northwestern Ohio, in addition to Southeastern Indiana and Northern Kentucky. Founded in 1884, the company is headquartered in Sandusky, Ohio, and officially changed its name from First Citizens Banc Corp to Civista Bancshares, Inc. in May 2015.
CIVB Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call emphasized multiple strong operating and capital metrics: sizable year-over-year net income growth (+30%), meaningful pre-provision net revenue expansion (+36% YoY), NIM expansion, substantial organic loan production and growing pipelines, improved efficiency, and steady capital generation and dividend policy. Headwinds include sequential net income and noninterest income volatility, deposit competitive pressures and migration to higher-rate accounts, unrealized securities losses, and elevated loan payoffs that partially offset originations. Management expects modest expense reinvestments, continued reduction of brokered funding, mid-single-digit loan growth for the remainder of 2026, and limited near-term M&A activity. Overall the positives (strong profitability, margin expansion, loan production, capital strength and liquidity) outweigh the negatives (sequential volatility, funding competition and mark-to-market securities losses), leading to a constructive outlook.View all CIVB earnings summariesCIVB Stock 12 Month Forecast
Average Price Target
$31.67
▲(10.80% Upside)
Technical Analysis
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Ownership Overview
2.40% Insiders
18.65% Mutual Funds
2.90% Other Institutional Investors
61.04% Public Companies and
Individual Investors