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Civista Bancshares Inc (CIVB)
NASDAQ:CIVB
US Market
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Civista Bancshares (CIVB) Ratios

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Civista Bancshares Ratios

CIVB's free cash flow for Q3 2025 was $0.63. For the 2025 fiscal year, CIVB's free cash flow was decreased by $ and operating cash flow was $-0.13. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
3.10 0.22 1.80 0.62 0.44
Quick Ratio
3.10 0.22 1.91 0.82 0.57
Cash Ratio
0.27 0.02 0.11 0.20 0.12
Solvency Ratio
0.01 0.02 0.01 0.24 0.23
Operating Cash Flow Ratio
0.24 0.02 0.06 0.03 0.03
Short-Term Operating Cash Flow Coverage
0.24 0.19 0.00 0.00 0.00
Net Current Asset Value
$ -2.89B$ -2.74B$ -2.49B$ 655.41M$ 357.98M
Leverage Ratios
Debt-to-Assets Ratio
0.08 0.12 0.15 0.06 0.06
Debt-to-Equity Ratio
0.69 1.22 1.54 0.50 0.44
Debt-to-Capital Ratio
0.41 0.55 0.61 0.33 0.31
Long-Term Debt-to-Capital Ratio
0.18 0.24 0.40 0.33 0.31
Financial Leverage Ratio
8.24 10.38 10.57 8.48 7.89
Debt Service Coverage Ratio
0.14 0.14 4.09 7.00 3.49
Interest Coverage Ratio
0.13 0.88 5.66 7.53 3.66
Debt to Market Cap
0.78 1.62 0.68 0.48 0.55
Interest Debt Per Share
25.71 33.75 35.25 12.00 10.23
Net Debt to EBITDA
5.35 6.24 8.94 -1.72 0.37
Profitability Margins
Gross Profit Margin
63.34%71.64%100.00%100.00%100.00%
EBIT Margin
84.23%23.27%34.32%38.84%32.00%
EBITDA Margin
84.77%28.95%38.52%41.14%34.73%
Operating Profit Margin
18.48%23.27%45.64%38.18%32.00%
Pretax Profit Margin
84.23%23.27%34.32%38.18%32.00%
Net Profit Margin
71.19%19.76%28.77%32.55%27.74%
Continuous Operations Profit Margin
71.19%19.76%28.77%32.55%27.74%
Net Income Per EBT
84.52%84.89%83.82%85.25%86.70%
EBT Per EBIT
455.84%100.00%75.21%100.00%100.00%
Return on Assets (ROA)
1.07%1.11%1.11%1.35%1.17%
Return on Equity (ROE)
10.38%11.55%11.78%11.41%9.19%
Return on Capital Employed (ROCE)
0.29%9.40%1.99%2.87%2.32%
Return on Invested Capital (ROIC)
1.08%4.90%4.50%24.46%-20.68%
Return on Tangible Assets
1.10%1.15%1.16%1.38%1.20%
Earnings Yield
11.50%15.37%11.97%10.83%11.42%
Efficiency Ratios
Receivables Turnover
4.38 3.24 2.88 0.00 0.00
Payables Turnover
0.00 0.00 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
1.51 3.83 2.14 5.55 5.14
Asset Turnover
0.01 0.06 0.04 0.04 0.04
Working Capital Turnover Ratio
0.16 -0.09 -1.34 -0.21 -0.12
Cash Conversion Cycle
83.40 112.72 126.64 0.00 0.00
Days of Sales Outstanding
83.40 112.72 126.64 0.00 0.00
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 0.00 0.00 0.00 0.00
Operating Cycle
83.40 112.72 126.64 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
3.39 4.14 1.68 2.66 2.00
Free Cash Flow Per Share
3.14 3.91 1.25 2.53 1.88
CapEx Per Share
0.25 0.23 0.43 0.13 0.12
Free Cash Flow to Operating Cash Flow
0.93 0.95 0.74 0.95 0.94
Dividend Paid and CapEx Coverage Ratio
3.71 4.81 1.68 4.09 3.54
Capital Expenditure Coverage Ratio
13.75 18.28 3.87 21.15 16.33
Operating Cash Flow Coverage Ratio
0.16 0.14 0.05 0.23 0.21
Operating Cash Flow to Sales Ratio
0.91 0.29 0.18 0.33 0.28
Free Cash Flow Yield
11.77%21.21%5.67%10.37%10.73%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
8.64 6.50 8.36 9.23 8.76
Price-to-Sales (P/S) Ratio
7.15 1.29 2.40 3.01 2.43
Price-to-Book (P/B) Ratio
0.76 0.75 0.98 1.05 0.81
Price-to-Free Cash Flow (P/FCF) Ratio
8.44 4.72 17.64 9.64 9.32
Price-to-Operating Cash Flow Ratio
6.73 4.46 13.08 9.18 8.75
Price-to-Earnings Growth (PEG) Ratio
1.46 1.30 -7.33 0.29 -1.18
Price-to-Fair Value
0.76 0.75 0.98 1.05 0.81
Enterprise Value Multiple
13.78 10.68 15.18 5.59 7.37
Enterprise Value
722.44M 672.02M 801.26M 286.22M 296.80M
EV to EBITDA
13.84 10.68 15.18 5.59 7.37
EV to Sales
11.73 3.09 5.85 2.30 2.56
EV to Free Cash Flow
13.84 11.34 42.91 7.37 9.82
EV to Operating Cash Flow
12.84 10.72 31.82 7.02 9.22
Tangible Book Value Per Share
22.09 15.64 13.25 179.22 156.93
Shareholders’ Equity Per Share
30.05 24.55 22.37 23.15 21.77
Tax and Other Ratios
Effective Tax Rate
0.15 0.15 0.16 0.15 0.13
Revenue Per Share
3.71 14.35 9.15 8.12 7.22
Net Income Per Share
2.64 2.83 2.63 2.64 2.00
Tax Burden
0.85 0.85 0.84 0.85 0.87
Interest Burden
1.00 1.00 1.00 0.98 1.00
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
1.25 0.28 0.37 0.39 0.40
Stock-Based Compensation to Revenue
0.00 <0.01 <0.01 <0.01 <0.01
Income Quality
0.00 1.46 0.64 1.01 1.00
Currency in USD
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