Civista Bancshares Inc (CIVB)
NASDAQ:CIVB
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CIVB Stock Chart & Stats
$24.60
-$0.68(-3.37%)
At close: 4:00 PM EST
$24.60
-$0.68(-3.37%)
Day’s Range― - ―
52-Week Range$18.95 - $28.31
Previous CloseN/A
Volume21.13K
Average Volume (3M)106.13K
Market Cap
$515.12M
Enterprise Value$650.42M
Total Cash (Recent Filing)$83.53M
Total Debt (Recent Filing)$210.83M
Price to Earnings (P/E)7.9
Beta0.82
Next Earnings
Jul 24, 2026EPS Estimate
0.67Next Dividend Ex-DateN/A
Dividend Yield2.96%
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 Cap1.26
Enterprise Value/Revenue2.63
Enterprise Value/Gross Profit3.91
Enterprise Value/Ebitda12.46
Forecast
1Y Price Target
$27.50Price Target Upside11.79% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)2.78
Revenue Forecast (FY)$193.86M
Bulls Say, Bears Say
Bulls Say
Strengthened Balance SheetLower leverage and a larger equity base materially improve the bank’s shock absorption and strategic optionality. With debt-to-equity near 0.38, Civista can sustain dividends, pursue measured M&A or buybacks, and better withstand credit cycles while preserving regulatory and liquidity flexibility.
Core Deposit FranchiseConsistent organic core deposit growth and declining brokered funding enhance funding stability and reduce interest-rate sensitivity. A stronger core base lowers reliance on volatile wholesale funding, supports loan growth, and sustains net interest margin over multiple rate cycles.
NIM And Net Interest Income ExpansionImproving earning-asset yields and disciplined deposit costs have expanded NIM and NII, providing durable core profitability. Sustained margin improvement supports pre-provision revenue, funds capital returns, and cushions earnings against slower balance-sheet growth over the medium term.
Bears Say
Slowing Revenue GrowthA slight TTM revenue decline suggests loan balance volatility and waning fee momentum, limiting top-line scalability. Even with margin gains, slower revenue growth can constrain long-term EPS expansion, making profitability more reliant on cost control and balance-sheet repricing execution.
Unrealized Securities LossesMaterial unrealized marks in the securities book reflect interest-rate exposure that can constrain capital flexibility if rates remain elevated. While unrealized, these losses limit the cushion for credit shocks, complicate liquidity actions and could restrict future capital returns under adverse mark-to-market scenarios.
Competitive Deposit PressureIntensifying local deposit competition forces higher pricing to retain/attract balances, risking margin compression. Persistent yield competition may erode low-cost core share, raise funding costs, and require tradeoffs between growth and profitability over coming 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 $28.31 in the past 12 months.
What is Civista Bancshares Inc’s market cap?
Civista Bancshares Inc’s market cap is $515.12M.
When is Civista Bancshares Inc’s upcoming earnings report date?
Civista Bancshares Inc’s upcoming earnings report date is Jul 24, 2026 which is in 64 days.
How were Civista Bancshares Inc’s earnings last quarter?
Civista Bancshares Inc released its earnings results on Apr 22, 2026. The company reported $0.74 earnings per share for the quarter, beating the consensus estimate of $0.568 by $0.172.
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 $0.17 which represents an annual dividend yield of 2.96%. See more information on Civista Bancshares Inc dividends here
What is Civista Bancshares Inc’s EPS estimate?
Civista Bancshares Inc’s EPS estimate is 0.67.
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 $0.74 in its last earnings report, beating expectations of $0.568. Following the earnings report the stock price went up 3.407%.
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:
$27.50 (11.79% Upside)
$27.50 (11.79% Upside)
Blogger Sentiment
Bullish
CIVB Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 31.2K 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
10.21%
Trailing 12-Months
Asset Growth
3.66%
Trailing 12-Months
Company Description
Civista Bancshares Inc
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.
CIVB Company Deck
CIVB Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call conveyed strong underlying fundamentals: sizable YoY and sequential earnings growth, NIM expansion, robust core deposit growth, shrinking reliance on brokered funding, strengthened capital actions (dividend and repurchase authorization), and constructive credit metrics. Headwinds discussed were mostly tactical or transitional — loan payoffs that temporarily reduced balances, seasonal/one-time expense items from the recent acquisition, modestly higher noninterest expense YoY, and unrealized securities markdowns. Management provided forward-looking NIM and expense guidance and reiterated mid-single-digit loan and deposit growth targets, indicating confidence in sustaining performance.View all CIVB earnings summariesCIVB Stock 12 Month Forecast
Average Price Target
$27.50
▲(11.79% Upside)
Technical Analysis
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First Bank
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Blue Ridge Bankshares
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Ownership Overview
1.46% Insiders
16.92% Mutual Funds
14.04% Other Institutional Investors
54.80% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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