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
$555.95M
Enterprise Value$665.59M
Total Cash (Recent Filing)$83.53M
Total Debt (Recent Filing)$210.83M
Price to Earnings (P/E)10.9
Beta0.80
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 Cap1.20
Enterprise Value/Revenue2.69
Enterprise Value/Gross Profit4.01
Enterprise Value/Ebitda12.75
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
Stronger Balance Sheet / Lower LeverageMaterial de‑risking of the balance sheet (debt/equity ~0.38 and higher equity) boosts resilience across cycles, providing durable capacity to absorb credit or securities volatility, support organic lending, pursue disciplined M&A, and sustain dividend/repurchase programs without stressing capital ratios.
Core Deposit Growth And Reduced Brokered FundingConsistent organic core deposit growth and steady reduction of brokered funding lower funding cost volatility and structural funding risk. A stickier, lower‑cost deposit base supports sustainable NIM, predictable loan funding, and long‑term lending capacity across the regional footprint.
NIM Expansion And Improving NIINIM expansion driven by loan repricings and higher yielding new originations is structural: as legacy variable loans reprice and new production yields remain elevated, net interest income growth can persist even if loan balances rise modestly, underpinning durable earnings power.
Bears Say
Cooling Revenue GrowthSlightly negative TTM revenue growth signals that margin gains have been compensating for weak top‑line momentum. If loan growth and fee income do not accelerate, earnings sustainability depends on continued margin expansion, constraining durable EPS upside and organic scale economies.
Unrealized Securities Mark‑to‑market LossesMaterial unrealized losses in the securities book reflect duration and rate sensitivity; prolonged higher rates can create ongoing AOCI pressure, reduce capital flexibility, and complicate liquidity/hedging decisions, limiting the bank's ability to sell or reallocate securities without impacting regulatory capital.
Deposit Competition And Funding PressureSustained local competition pushing deposit rates higher and upcoming brokered CD repricing risks can raise funding costs. Persistent upward pressure on deposit betas would compress NIM over time and raise the funding hurdle for loan growth, creating a durable headwind to margin sustainability.
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 $555.95M.
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 42 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 $0.18 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 119.4K Shares
Last Quarter.
Last Quarter.
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
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 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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Ownership Overview
2.40% Insiders
17.50% Mutual Funds
14.04% Other Institutional Investors
53.18% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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