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Civista Bancshares Inc (CIVB)
NASDAQ:CIVB
Total Valuation
Civista Bancshares has a market cap or net worth of $423.34M. The enterprise value is $660.98M.
Market Cap$423.34M
Enterprise Value$660.98M
Share Statistics
Civista Bancshares has 19,312,880 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding19,312,880
Owned by Insiders3.12%
Owned by Institutions20.56%
Financial Efficiency
Civista Bancshares’s return on equity (ROE) is 0.08 and return on invested capital (ROIC) is 3.57%.
Return on Equity (ROE)0.08
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)3.57%
Return on Capital Employed (ROCE)0.07
Revenue Per Employee465.19K
Profits Per Employee60.93K
Employee Count520
Asset Turnover0.06
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Civista Bancshares is 8.2. Civista Bancshares’s PEG ratio is -0.39.
PE Ratio8.2
PS Ratio1.34
PB Ratio0.83
Price to Fair Value0.83
Price to FCF7.36
Price to Operating Cash Flow6.31
PEG Ratio-0.39
Income Statement
In the last 12 months, Civista Bancshares had revenue of 241.90M and earned 31.68M in profits. Earnings per share was 2.06.
Revenue241.90M
Gross Profit146.55M
Operating Income36.57M
Pretax Income36.57M
Net Income31.68M
EBITDA47.60M
Earnings Per Share (EPS)2.06
Cash Flow
In the last 12 months, operating cash flow was 56.28M and capital expenditures -4.09M, giving a free cash flow of 52.19M billion.
Operating Cash Flow56.28M
Free Cash Flow52.19M
Free Cash Flow per Share2.70
Dividends & Yields
Civista Bancshares pays an annual dividend of $0.17, resulting in a dividend yield of 3.18%
Dividend Per Share$0.17
Dividend Yield3.18%
Payout Ratio25.37%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.83
52-Week Price Change-1.11%
50-Day Moving Average20.95
200-Day Moving Average20.82
Relative Strength Index (RSI)49.51
Average Volume (3m)95.30K
Important Dates
Civista Bancshares upcoming earnings date is Feb 5, 2026, Before Open (Confirmed).
Last Earnings DateOct 23, 2025
Next Earnings DateFeb 5, 2026
Ex-Dividend DateNov 04, 2025
Financial Position
Civista Bancshares as a current ratio of 0.11, with Debt / Equity ratio of 68.51%
Current Ratio0.11
Quick Ratio0.11
Debt to Market Cap1.39
Net Debt to EBITDA8.11
Interest Coverage Ratio0.41
Taxes
In the past 12 months, Civista Bancshares has paid 4.89M in taxes.
Income Tax4.89M
Effective Tax Rate0.13
Enterprise Valuation
Civista Bancshares EV to EBITDA ratio is 14.92, with an EV/FCF ratio of 16.12.
EV to Sales2.94
EV to EBITDA14.92
EV to Free Cash Flow16.12
EV to Operating Cash Flow14.72
Balance Sheet
Civista Bancshares has $719.96M in cash and marketable securities with $341.88M in debt, giving a net cash position of $378.07M billion.
Cash & Marketable Securities$719.96M
Total Debt$341.88M
Net Cash$378.07M
Net Cash Per Share$19.58
Tangible Book Value Per Share$16.56
Margins
Gross margin is 63.34%, with operating margin of 15.12%, and net profit margin of 13.10%.
Gross Margin63.34%
Operating Margin15.12%
Pretax Margin15.12%
Net Profit Margin13.10%
EBITDA Margin19.68%
EBIT Margin15.12%
Analyst Forecast
The average price target for Civista Bancshares is $26.50, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target$26.50
Price Target Upside24.01% Upside
Analyst ConsensusModerate Buy
Analyst Count2
Revenue Growth Forecast3.49%
EPS Growth Forecast33.86%