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STOCKS

Civista Bancshares (CIVB)

:CIVB

CIVB

Civista Bancshares

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Civista Bancshares (CIVB) Ratios

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Civista Bancshares Ratios

CIVB's free cash flow for Q4 2024 was $1.00. For the 2024 fiscal year, CIVB's free cash flow was decreased by $ and operating cash flow was $1.12. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.23	2.73	1.80	0.62	0.44
Quick Ratio	0.23	2.73	1.91	0.82	0.57
Cash Ratio	0.19	1.99	0.11	0.20	0.12
Solvency Ratio	0.01	0.02	0.01	0.24	0.23
Operating Cash Flow Ratio	0.14	2.07	0.06	0.03	0.03
Short-Term Operating Cash Flow Coverage	0.14	0.19	0.00	0.00	0.00
Net Current Asset Value	$ -3.63B	$ -3.41B	$ -2.49B	$ 655.41M	$ 357.98M
Leverage Ratios
Debt-to-Assets Ratio	0.11	0.12	0.15	0.06	0.06
Debt-to-Equity Ratio	1.16	1.22	1.54	0.50	0.44
Debt-to-Capital Ratio	0.54	0.55	0.61	0.33	0.31
Long-Term Debt-to-Capital Ratio	0.22	0.24	0.40	0.33	0.31
Financial Leverage Ratio	10.55	10.38	10.57	8.48	7.89
Debt Service Coverage Ratio	-0.01	-0.02	4.09	7.00	3.49
Interest Coverage Ratio	0.41	0.00	5.66	7.53	3.66
Debt to Market Cap	1.39	1.62	0.68	0.48	0.55
Interest Debt Per Share	35.11	33.75	35.25	12.00	10.23
Net Debt to EBITDA	0.00	0.00	8.94	-1.72	0.37
Profitability Margins
Gross Profit Margin	100.00%	101.27%	100.00%	100.00%	100.00%
EBIT Margin	-7.26%	-7.80%	34.32%	38.84%	32.00%
EBITDA Margin	0.00%	0.00%	38.52%	41.14%	34.73%
Operating Profit Margin	24.08%	0.00%	45.64%	38.18%	32.00%
Pretax Profit Margin	24.08%	31.99%	34.32%	38.18%	32.00%
Net Profit Margin	20.86%	27.15%	28.77%	32.55%	27.74%
Continuous Operations Profit Margin	20.86%	27.15%	28.77%	32.55%	27.74%
Net Income Per EBT	86.63%	84.89%	83.82%	85.25%	86.70%
EBT Per EBIT	100.00%	0.00%	75.21%	100.00%	100.00%
Return on Assets (ROA)	0.77%	1.11%	1.11%	1.35%	1.17%
Return on Equity (ROE)	8.16%	11.55%	11.78%	11.41%	9.19%
Return on Capital Employed (ROCE)	0.97%	0.00%	1.99%	2.87%	2.32%
Return on Invested Capital (ROIC)	3.55%	0.00%	4.50%	24.46%	-20.68%
Return on Tangible Assets	0.80%	1.15%	1.16%	1.38%	1.20%
Earnings Yield	9.78%	15.37%	11.97%	10.83%	11.42%
Efficiency Ratios
Receivables Turnover	2.58	0.00	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	0.00	2.71	2.14	5.55	5.14
Asset Turnover	0.04	0.04	0.04	0.04	0.04
Working Capital Turnover Ratio	-1.46	0.86	-1.34	-0.21	-0.12
Cash Conversion Cycle	141.74	0.00	126.64	0.00	0.00
Days of Sales Outstanding	141.74	0.00	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	141.74	0.00	126.64	0.00	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	3.13	4.14	1.68	2.66	2.00
Free Cash Flow Per Share	2.86	3.91	1.25	2.53	1.88
CapEx Per Share	0.27	0.23	0.43	0.13	0.12
Free Cash Flow to Operating Cash Flow	0.91	0.95	0.74	0.95	0.94
Dividend Paid and CapEx Coverage Ratio	3.39	4.81	1.68	4.09	3.54
Capital Expenditure Coverage Ratio	11.53	18.28	3.87	21.15	16.33
Operating Cash Flow Coverage Ratio	0.11	0.14	0.05	0.23	0.21
Operating Cash Flow to Sales Ratio	0.32	0.40	0.18	0.33	0.28
Free Cash Flow Yield	13.59%	21.21%	5.67%	10.37%	10.73%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	10.23	6.50	8.36	9.23	8.76
Price-to-Sales (P/S) Ratio	2.13	1.77	2.40	3.01	2.43
Price-to-Book (P/B) Ratio	0.83	0.75	0.98	1.05	0.81
Price-to-Free Cash Flow (P/FCF) Ratio	7.36	4.72	17.64	9.64	9.32
Price-to-Operating Cash Flow Ratio	6.72	4.46	13.08	9.18	8.75
Price-to-Earnings Growth (PEG) Ratio	-0.42	1.30	-7.33	0.29	-1.18
Price-to-Fair Value	0.83	0.75	0.98	1.05	0.81
Enterprise Value Multiple	0.00	0.00	15.18	5.59	7.37
Enterprise Value	710.39M	673.24M	801.26M	286.22M	296.80M
EV to EBITDA	0.00	0.00	15.18	5.59	7.37
EV to Sales	4.68	4.25	5.85	2.30	2.56
EV to Free Cash Flow	16.12	11.36	42.91	7.37	9.82
EV to Operating Cash Flow	14.72	10.74	31.82	7.02	9.22
Tangible Book Value Per Share	16.56	15.64	13.25	179.22	156.93
Shareholders’ Equity Per Share	25.22	24.55	22.37	23.15	21.77
Tax and Other Ratios
Effective Tax Rate	0.13	0.15	0.16	0.15	0.13
Revenue Per Share	9.86	10.44	9.15	8.12	7.22
Net Income Per Share	2.06	2.84	2.63	2.64	2.00
Tax Burden	0.87	0.85	0.84	0.85	0.87
Interest Burden	-3.32	-4.10	1.00	0.98	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.42	0.38	0.37	0.39	0.40
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	<0.01	<0.01
Income Quality	1.52	1.46	0.64	1.01	1.00

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