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Civista Bancshares Inc (CIVB)
NASDAQ:CIVB
US Market

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 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
1.80 2.73 1.80 0.62 0.44
Quick Ratio
1.91 2.73 1.91 0.82 0.57
Cash Ratio
0.11 1.99 0.11 0.20 0.12
Solvency Ratio
0.01 0.02 0.01 0.24 0.23
Operating Cash Flow Ratio
0.06 2.07 0.06 0.03 0.03
Short-Term Operating Cash Flow Coverage
0.00 0.19 0.00 0.00 0.00
Net Current Asset Value
$ -2.49B$ -3.41B$ -2.49B$ 655.41M$ 357.98M
Leverage Ratios
Debt-to-Assets Ratio
0.15 0.12 0.15 0.06 0.06
Debt-to-Equity Ratio
1.54 1.22 1.54 0.50 0.44
Debt-to-Capital Ratio
0.61 0.55 0.61 0.33 0.31
Long-Term Debt-to-Capital Ratio
0.40 0.24 0.40 0.33 0.31
Financial Leverage Ratio
10.57 10.38 10.57 8.48 7.89
Debt Service Coverage Ratio
4.09 -0.02 4.09 7.00 3.49
Interest Coverage Ratio
5.66 0.00 5.66 7.53 3.66
Debt to Market Cap
0.68 1.62 0.68 0.48 0.55
Interest Debt Per Share
35.25 33.75 35.25 12.00 10.23
Net Debt to EBITDA
8.94 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
34.32%-7.80%34.32%38.84%32.00%
EBITDA Margin
38.52%0.00%38.52%41.14%34.73%
Operating Profit Margin
45.64%0.00%45.64%38.18%32.00%
Pretax Profit Margin
34.32%31.99%34.32%38.18%32.00%
Net Profit Margin
28.77%27.15%28.77%32.55%27.74%
Continuous Operations Profit Margin
28.77%27.15%28.77%32.55%27.74%
Net Income Per EBT
83.82%84.89%83.82%85.25%86.70%
EBT Per EBIT
75.21%0.00%75.21%100.00%100.00%
Return on Assets (ROA)
1.11%1.11%1.11%1.35%1.17%
Return on Equity (ROE)
11.78%11.55%11.78%11.41%9.19%
Return on Capital Employed (ROCE)
1.99%0.00%1.99%2.87%2.32%
Return on Invested Capital (ROIC)
4.50%0.00%4.50%24.46%-20.68%
Return on Tangible Assets
1.16%1.15%1.16%1.38%1.20%
Earnings Yield
11.97%15.37%11.97%10.83%11.42%
Efficiency Ratios
Receivables Turnover
2.88 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
2.14 2.71 2.14 5.55 5.14
Asset Turnover
0.04 0.04 0.04 0.04 0.04
Working Capital Turnover Ratio
-1.34 0.86 -1.34 -0.21 -0.12
Cash Conversion Cycle
126.64 0.00 126.64 0.00 0.00
Days of Sales Outstanding
126.64 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
126.64 0.00 126.64 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
1.68 4.14 1.68 2.66 2.00
Free Cash Flow Per Share
1.25 3.91 1.25 2.53 1.88
CapEx Per Share
0.43 0.23 0.43 0.13 0.12
Free Cash Flow to Operating Cash Flow
0.74 0.95 0.74 0.95 0.94
Dividend Paid and CapEx Coverage Ratio
1.68 4.81 1.68 4.09 3.54
Capital Expenditure Coverage Ratio
3.87 18.28 3.87 21.15 16.33
Operating Cash Flow Coverage Ratio
0.05 0.14 0.05 0.23 0.21
Operating Cash Flow to Sales Ratio
0.18 0.40 0.18 0.33 0.28
Free Cash Flow Yield
5.67%21.21%5.67%10.37%10.73%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
8.36 6.50 8.36 9.23 8.76
Price-to-Sales (P/S) Ratio
2.40 1.77 2.40 3.01 2.43
Price-to-Book (P/B) Ratio
0.98 0.75 0.98 1.05 0.81
Price-to-Free Cash Flow (P/FCF) Ratio
17.64 4.72 17.64 9.64 9.32
Price-to-Operating Cash Flow Ratio
13.08 4.46 13.08 9.18 8.75
Price-to-Earnings Growth (PEG) Ratio
-7.33 1.30 -7.33 0.29 -1.18
Price-to-Fair Value
0.98 0.75 0.98 1.05 0.81
Enterprise Value Multiple
15.18 0.00 15.18 5.59 7.37
Enterprise Value
801.26M 673.24M 801.26M 286.22M 296.80M
EV to EBITDA
15.18 0.00 15.18 5.59 7.37
EV to Sales
5.85 4.25 5.85 2.30 2.56
EV to Free Cash Flow
42.91 11.36 42.91 7.37 9.82
EV to Operating Cash Flow
31.82 10.74 31.82 7.02 9.22
Tangible Book Value Per Share
13.25 15.64 13.25 179.22 156.93
Shareholders’ Equity Per Share
22.37 24.55 22.37 23.15 21.77
Tax and Other Ratios
Effective Tax Rate
0.16 0.15 0.16 0.15 0.13
Revenue Per Share
9.15 10.44 9.15 8.12 7.22
Net Income Per Share
2.63 2.84 2.63 2.64 2.00
Tax Burden
0.84 0.85 0.84 0.85 0.87
Interest Burden
1.00 -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
0.37 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
0.64 1.46 0.64 1.01 1.00
Currency in USD
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