Civista Bancshares Inc.

CIVB | NASDAQ

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$27.08

-$0.21 (-0.77%)

At close: Sep 21, 2026, 4:00 PM ET

$26.55

-$0.53 (-1.96%)

After-hours: Sep 21, 2026, 6:34 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $567.18M

Enterprise Value $59.27M

Beta 0.64

Average Volume 125.96K

Shares Outstanding (Diluted) 20.77M

Shares Change YoY 34.65%

Institutional Ownership 64.86%

Exchange NASDAQ

ISIN US1788671071

Price Performance

Price Change 1M -2.3%

Price Change 3M -1.2%

Price Change 6M 20.7%

Price Change YTD 23.8%

Price Change 1Y 30.9%

Price Change 3Y 69.9%

Price Change 5Y 17.3%

1M CAGR (ann.) -4.8%

1Y CAGR (ann.) 35.1%

5Y CAGR (ann.) 7.3%

All-Time CAGR 4.4%

Valuation

PE Ratio 10.03

Forward PE 11.28

PEG Ratio 1.50

Forward PEG 4.10

PS Ratio 2.51

Forward PS 2.80

PB Ratio 0.99

P/FCF Ratio 11.17

P/Adj. FCF Ratio 11.17

P/OCF Ratio 9.71

EV/Sales 0.26

EV/EBIT 1.95

EV/EBITDA 1.95

EV/FCF 1.18

Earnings Yield 10.0%

FCF Yield 9.0%

Adj. FCF Yield 9.0%

Financial Health

Net Cash $503.54M

Total Debt $228.38M

Cash & Short-Term Investments $731.92M

Total Assets $4.29B

Current Ratio 0.21

Quick Ratio 0.21

Debt / Equity Ratio 0.40

Debt / EBITDA 7.51

Debt / FCF 4.53

OCF / Debt 0.23

Interest Coverage 0.40

Altman Z-Score -0.53

Piotroski F-Score 6

Margins & Profitability

Gross Profit Margin 65.8%

Operating Profit Margin 13.5%

EBITDA Margin 13.5%

Net Profit Margin 24.2%

FCF Margin 22.4%

Adj. FCF Margin 22.4%

SBC / Revenue 0.0%

SBC Impact (per share) N/A

Returns

Return on Assets 1.3%

Return on Equity 10.1%

Return on Invested Capital 3.0%

Return on Capital Employed 4.3%

Return on Tangible Assets 1.3%

Historical Growth (CAGR)

Revenue CAGR 3Y 5.4%

Revenue CAGR 5Y 11.2%

Revenue CAGR 10Y 12.7%

EPS CAGR 3Y -2.7%

EPS CAGR 5Y 2.5%

EPS CAGR 10Y 6.1%

FCF CAGR 3Y 21.3%

FCF CAGR 5Y 19.6%

FCF CAGR 10Y 10.9%

Analyst Forecasts

Analyst Rating Buy

Analyst Count 8

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date N/A

EPS Estimate (next Q) N/A

EPS Growth Est (next Q) N/A

Revenue Est (next Q) N/A

Revenue Growth Est (next Q) N/A

Fair Value Estimates

Graham Number $40.72

Graham Upside 50.4%

Lynch Fair Value $13.50

Lynch Upside -50.1%

Price Target $32

Price Target Upside 18.2%

Cash Flow

Operating Cash Flow $51.84M

Free Cash Flow $50.4M

Adj. Free Cash Flow $50.4M

FCF Per Share $2.71

OCF Per Share $2.79

OCF/S Ratio 25.8%

Income Statement

Revenue $224.51M

Gross Profit $147.77M

Operating Income $30.4M

EBITDA $30.4M

Net Income $54.33M

EPS (Diluted) $2.70

Revenue / Employee $409.7K

Profit / Employee $99.14K

Employees 548

Dividends

Annual Dividend $0.89

Dividend Yield 3.29%

Payout Ratio 33.0%

FCF Payout Ratio 25.7%

Adj. FCF Payout Ratio 25.7%

Dividend Growth (YoY) 32.8%

Pay Frequency Quarterly

Ex-Dividend Date Aug 13, 2026