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Civista Bancshares Inc (CIVB)
NASDAQ:CIVB

Civista Bancshares (CIVB) Stock Statistics & Valuation Metrics

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Total Valuation

Civista Bancshares has a market cap or net worth of $389.22M. The enterprise value is $719.46M.
Market Cap$389.22M
Enterprise Value$719.46M

Share Statistics

Civista Bancshares has 15,519,072 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding15,519,072
Owned by Insiders4.47%
Owned by Institutions13.34%

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 10.23. Civista Bancshares’s PEG ratio is 0.77.
PE Ratio10.23
PS Ratio0.00
PB Ratio0.85
Price to Fair Value0.83
Price to FCF7.24
Price to Operating Cash Flow6.60
PEG Ratio0.77

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 51.11M and capital expenditures -4.25M, giving a free cash flow of 46.88M billion.
Operating Cash Flow51.11M
Free Cash Flow46.88M
Free Cash Flow per Share3.02

Dividends & Yields

Civista Bancshares pays an annual dividend of $0.658, resulting in a dividend yield of 2.71%
Dividend Per Share$0.658
Dividend Yield2.71%
Payout Ratio29.07%
Free Cash Flow Yield
Earnings Yield

Stock Price Statistics

Beta0.84
52-Week Price Change74.49%
50-Day Moving Average22.62
200-Day Moving Average20.63
Relative Strength Index (RSI)70.13
Average Volume (3m)59.51K

Important Dates

Civista Bancshares upcoming earnings date is Jul 24, 2025, Before Open (Confirmed).
Last Earnings DateApr 24, 2025
Next Earnings DateJul 24, 2025
Ex-Dividend DateApr 29, 2025

Financial Position

Civista Bancshares as a current ratio of 0.11, with Debt / Equity ratio of 118.67%
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 $361.03M in cash and marketable securities with $471.63M in debt, giving a net cash position of $110.60M billion.
Cash & Marketable Securities$361.03M
Total Debt$471.63M
Net Cash$110.60M
Net Cash Per Share$7.13
Tangible Book Value Per Share$16.56

Margins

Gross margin is 61.27%, with operating margin of 15.12%, and net profit margin of 13.10%.
Gross Margin61.27%
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 $25.67, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target$25.67
Price Target Upside2.35% Upside
Analyst ConsensusModerate Buy
Analyst Count4
Revenue Growth Forecast9.51%
EPS Growth Forecast-2.12%

Scores

Smart Score7
AI Score67
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