Civista Bancshares Inc (CIVB)
NASDAQ:CIVB
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Total Valuation
Civista Bancshares has a market cap or net worth of $523.12M. The enterprise value is $650.42M.
Market Cap$523.12M
Enterprise Value$650.42M
Share Statistics
Civista Bancshares has 20,783,348 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding20,783,348
Owned by Insiders1.46%
Owned by Institutions14.04%
Financial Efficiency
Civista Bancshares’s return on equity (ROE) is 0.09 and return on invested capital (ROIC) is 5.31%.
Return on Equity (ROE)0.09
Return on Assets (ROA)0.01
Return on Invested Capital (ROIC)5.31%
Return on Capital Employed (ROCE)0.08
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 FCF9.24
Price to Operating Cash Flow0.04
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 51.84M and capital expenditures -1.44M, giving a free cash flow of 50.40M billion.
Operating Cash Flow51.84M
Free Cash Flow50.40M
Free Cash Flow per Share2.43
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
Beta0.82
52-Week Price Change14.61%
50-Day Moving Average23.64
200-Day Moving Average22.20
Relative Strength Index (RSI)61.07
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 0.11, with Debt / Equity ratio of 38.18%
Current Ratio0.11
Quick Ratio0.11
Debt to Market Cap0.73
Net Debt to EBITDA3.72
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 10.77, with an EV/FCF ratio of 14.12.
EV to Sales2.33
EV to EBITDA10.77
EV to Free Cash Flow14.12
EV to Operating Cash Flow13.74
Balance Sheet
Civista Bancshares has $83.53M in cash and marketable securities with $210.83M in debt, giving a net cash position of -$127.31M billion.
Cash & Marketable Securities$83.53M
Total Debt$210.83M
Net Cash-$127.31M
Net Cash Per Share-$6.13
Tangible Book Value Per Share$22.84
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%