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Civista Bancshares Inc (CIVB)
NASDAQ:CIVB
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Civista Bancshares (CIVB) Stock Statistics & Valuation Metrics

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Total Valuation

Civista Bancshares has a market cap or net worth of $513.54M. The enterprise value is $638.62M.
Market Cap$513.54M
Enterprise Value$638.62M

Share Statistics

Civista Bancshares has 20,715,586 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding20,715,586
Owned by Insiders3.36%
Owned by Institutions1.55%

Financial Efficiency

Civista Bancshares’s return on equity (ROE) is 0.09 and return on invested capital (ROIC) is 4.89%.
Return on Equity (ROE)0.09
Return on Assets (ROA)0.01
Return on Invested Capital (ROIC)4.89%
Return on Capital Employed (ROCE)0.01
Revenue Per Employee490.29K
Profits Per Employee88.87K
Employee Count520
Asset Turnover0.06
Inventory Turnover0.00

Valuation Ratios

The current PE Ratio of Civista Bancshares is 7.9. Civista Bancshares’s PEG ratio is 0.27.
PE Ratio7.9
PS Ratio1.53
PB Ratio0.72
Price to Fair Value0.72
Price to FCF8.81
Price to Operating Cash Flow28.57
PEG Ratio0.27

Income Statement

In the last 12 months, Civista Bancshares had revenue of 254.95M and earned 46.21M in profits. Earnings per share was 2.64.
Revenue254.95M
Gross Profit169.17M
Operating Income55.23M
Pretax Income55.23M
Net Income46.21M
EBITDA55.23M
Earnings Per Share (EPS)2.64

Cash Flow

In the last 12 months, operating cash flow was 18.02M and capital expenditures -1.48M, giving a free cash flow of 16.55M billion.
Operating Cash Flow18.02M
Free Cash Flow16.55M
Free Cash Flow per Share0.80

Dividends & Yields

Civista Bancshares pays an annual dividend of $0.17, resulting in a dividend yield of 2.96%
Dividend Per Share$0.17
Dividend Yield2.96%
Payout Ratio25.37%
Free Cash Flow Yield
Earnings Yield

Stock Price Statistics

Beta0.84
52-Week Price Change13.87%
50-Day Moving Average23.33
200-Day Moving Average21.95
Relative Strength Index (RSI)67.88
Average Volume (3m)106.13K

Important Dates

Civista Bancshares upcoming earnings date is Jul 24, 2026, Before Open (Confirmed).
Last Earnings DateApr 22, 2026
Next Earnings DateJul 24, 2026
Ex-Dividend Date

Financial Position

Civista Bancshares as a current ratio of 4.32, with Debt / Equity ratio of 37.77%
Current Ratio4.32
Quick Ratio4.32
Debt to Market Cap0.73
Net Debt to EBITDA3.75
Interest Coverage Ratio0.67

Taxes

In the past 12 months, Civista Bancshares has paid 9.02M in taxes.
Income Tax9.02M
Effective Tax Rate0.16

Enterprise Valuation

Civista Bancshares EV to EBITDA ratio is 10.79, with an EV/FCF ratio of 13.50.
EV to Sales2.34
EV to EBITDA10.79
EV to Free Cash Flow13.50
EV to Operating Cash Flow13.15

Balance Sheet

Civista Bancshares has $761.92M in cash and marketable securities with $284.18M in debt, giving a net cash position of $477.74M billion.
Cash & Marketable Securities$761.92M
Total Debt$284.18M
Net Cash$477.74M
Net Cash Per Share$23.06
Tangible Book Value Per Share$23.00

Margins

Gross margin is 67.16%, with operating margin of 21.66%, and net profit margin of 18.13%.
Gross Margin67.16%
Operating Margin21.66%
Pretax Margin21.66%
Net Profit Margin18.13%
EBITDA Margin21.66%
EBIT Margin21.66%

Analyst Forecast

The average price target for Civista Bancshares is $27.50, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target$27.50
Price Target Upside11.79% Upside
Analyst ConsensusModerate Buy
Analyst Count2
Revenue Growth Forecast4.52%
EPS Growth Forecast19.77%

Scores

Smart Score7
AI Score