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Civista Bancshares, Inc. CIVB R2K

Financial Services · Banks - Regional · United States
https://www.civb.com
Company Profile ↓
$27.92
+32.51% 1Y
Mkt Cap$580.27M
P/E10.34
P/B1.02
Div. Yield2.65%
52W High$29.00
52W Low$18.75
Book Value$26.57
EPS (TTM)$2.70

Company Overview

Civista Bancshares, Inc. operates as the financial holding company for Civista Bank that provides banking services in the United States. The company offers personal and commercial checking accounts; retirement, money market, time, and savings accounts; safe deposit boxes; wire transfers; and automated teller services. It also provides internet banking; ACH origination; telephone banking; and mobile/digital banking services, as well as remote deposit capture banking services for retail and business customers. In addition, the company offers time deposits that consist of certificates of deposit, including those held in IRA accounts and reciprocal deposits. Further, its loan portfolio includes commercial and agriculture; commercial real estate – owner and non-owner occupied; residential and farm real estate; real estate construction; lease financing receivable; consumer; and other loans, as well as home equity line of credit. Additionally, the company holds and manages securities portfolio; leases general equipment; and provides captive insurance products and investment advisory services. It operates in North Central, West Central, South Western Ohio, South Eastern Indiana, and Northern Kentucky. The company was formerly known as First Citizens Banc Corp and changed its name to Civista Bancshares, Inc. in May 2015. Civista Bancshares, Inc. was founded in 1884 and is headquartered in Sandusky, Ohio.

Why Investors Should Care

Reasonable Valuation

Trades at a P/E of 10.3, below the sector median of 13.3.

Healthy Margins

Maintains a net profit margin of 28.7%.

Conservative Balance Sheet

Carries low leverage with a debt-to-equity ratio of 0.38.

Dividend Income

Offers a dividend yield of 2.65%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $19.02M (-0.5% YoY); net profit $46.21M.
  • Trailing 12 Months Year-on-year growth — revenue +22.6%, earnings +9.7%.
  • 5-Year Trend Long-term compounding — revenue CAGR 4.0%, profit CAGR 7.5%.

Growth & Price Performance

Compounded Sales Growth

5 Years:4.05%
1 Year:22.60%

Compounded Profit Growth

5 Years:7.50%
1 Year:9.70%

Stock Price Performance

1 Year:+32.51%
6 Months:+27.56%
3 Months:+17.14%
1 Month:+4.37%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 89% of range
$18.75 $29.00
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)57.23 · Neutral
Price Performance
1M+4.37%
3M+17.14%
6M+27.56%
1Y+32.51%
Valuation vs Sector

P/E of 10.34 is below the sector median of 13.30 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 28.7%.
  • Attractive dividend yield of 2.65%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
10.34
Industry PE
13.30
Forward P/E
9.62
PEG Ratio
1.37
Book Value
$26.57
Price to Book
1.02
P/S
3.18
EV/EBITDA
-
Dividend Yield
2.65%

Growth (CAGR)

Revenue 5Y
4.05%
Profit 5Y
7.50%
Revenue (YoY)
22.60%
Earnings (YoY)
9.70%

Profitability & Returns

ROCE
-
ROE
10.75%
ROA
1.21%
Profit Margin
28.67%
Op Margin
39.95%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.72
EPS (TTM)
$2.70

Balance Sheet & Liquidity

Debt/Equity
0.38
Quick Ratio
-
Current Ratio
-
Debt
$216.68M
Total Assets
$4.30B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
2.05%
Chg in Prom Hold
-
FII / Inst Holding
66.52%
Chg in FII Hold
0.08%

Financial Snapshot

Enterprise Value
$580.27M
Total Revenue (TTM)
$177.99M
EBITDA
-
Free Cash Flow
$42.12M
Operating Cash Flow
$51.84M
Shares Outstanding
20.78M
Gross Margin
0.00%
Payout Ratio
25.56%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 CIVB Civista Bancshares, Inc. R2K 27.92 10.34 $580.27M 2.65% - 10.75% 4.05% 7.50%
2 JPM JPMorgan Chase & Co. SPX 342.89 16.42 $918.78B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 491.09 14.61 $686.70B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 356.02 31.01 $590.89B 0.83% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 538.02 31.10 $471.86B 0.71% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 60.62 15.04 $430.20B 2.00% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 227.67 20.62 $359.10B 1.87% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,140.00 20.83 $336.31B 1.69% - 14.55% - 2.21%
9 WFC Wells Fargo & Company SPX 85.29 13.18 $261.00B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Mar 2015Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026
Revenue ----------2.72M-4.96M3.56M2.92M-5.54M4.23M4.00M-5.54M3.61M3.82M-5.96M4.62M4.35M6.27M4.62M4.76M10.36M6.14M5.12M5.67M5.79M5.19M4.79M5.11M6.18M4.82M
Net Income 3.17M3.12M3.25M3.20M4.72M5.18M3.68M3.63M4.63M3.60M3.66M3.98M6.99M3.01M-3.43M7.57M9.67M8.66M7.71M7.84M7.83M6.50M7.68M10.17M10.76M9.16M9.64M8.47M7.70M11.11M12.89M10.03M10.39M6.36M7.06M8.37M10.17M11.02M12.76M14.99M
Diluted EPS 0.290.290.300.290.430.470.340.330.400.290.290.300.550.24-0.310.450.570.510.460.470.470.410.480.640.680.590.640.570.530.720.820.640.660.410.450.530.660.710.680.72

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue ------13.30M13.64M15.31M17.78M16.95M19.64M24.54M30.45M19.12M19.02M
Net Income -1.27M3.96M5.58M6.18M9.53M12.74M17.22M15.87M14.14M33.88M32.19M40.55M39.43M42.96M31.68M46.21M
Diluted EPS -0.360.570.640.851.171.571.281.022.012.002.632.602.732.012.64

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -1.10B1.11B1.14B1.17B1.21B1.32B1.38B1.53B2.14B2.31B2.77B3.01B3.64B3.86B4.10B4.34B
Total Equity 98.80M96.95M102.53M103.98M128.38M115.91M125.17M137.62M184.46M298.90M330.13M350.11M355.21M328.77M372.00M388.50M543.47M
Total Liabilities -1.00B1.01B1.03B1.04B1.10B1.19B1.24B1.34B1.84B1.98B2.42B2.66B3.30B3.49B3.71B3.79B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 21.49M20.84M16.89M12.81M14.89M15.07M17.71M20.82M19.62M38.80M32.65M40.76M25.18M62.70M48.25M43.27M
Investing Cash Flow 30.85M-50.29M-39.54M-55.92M---63.58M-146.18M-33.79M-150.76M-340.98M-130.50M-410.36M-311.78M-258.80M55.59M
Financing Cash Flow -249.00K2.54M16.65M31.20M--47.00M129.19M16.42M116.74M398.80M216.93M164.30M266.13M213.30M-84.70M
Capital Expenditure -1.19M-1.24M-905.00K-1.16M-485.00K-2.00M-2.44M-1.01M-1.47M-3.20M-1.97M-1.93M-6.51M-3.43M-4.19M-1.16M
Free Cash Flow 20.30M19.60M15.99M11.66M14.40M13.07M15.27M19.80M18.15M35.60M30.68M38.83M18.68M59.27M44.06M42.12M
Share Buybacks -------4.00K-3.91M13.45M22.31M16.89M1.63M164.00K178.00K

Ratios (Annual)

Figures in %.

Metric Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % ----------------
Operating Margin % ----------------
Net Margin % ------129.4%116.4%92.3%190.5%190.0%206.5%160.7%141.1%165.7%242.9%
ROE % -1.3%3.9%5.4%4.8%8.2%10.2%12.5%8.6%4.7%10.3%9.2%11.4%12.0%11.5%8.2%8.5%
ROCE % ----------------

Shareholding Pattern

Insiders
2.05%
Institutions
66.52%
Public Float
67.91%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 7.16% 1.49M $41.82M
2 Wellington Management Group, LLP 6.44% 1.34M $37.60M
3 Dimensional Fund Advisors LP 4.57% 950.33K $26.71M
4 Alliancebernstein L.P. 4.55% 945.72K $26.58M
5 Vanguard Capital Management LLC 4.15% 862.45K $24.24M
6 Endeavour Capital Advisors Inc 2.99% 620.88K $17.45M
7 Manufacturers Life Insurance Co. 2.77% 574.80K $16.16M
8 Geode Capital Management, LLC 2.35% 487.75K $13.71M
9 State Street Corporation 1.92% 400.01K $11.24M
10 Royce & Associates LP 1.89% 393.36K $11.06M

Analyst View

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Latest News

Recent headlines for CIVB

Google News ue, 14 Jul 2026

Civista Bancshares (NASDAQ:CIVB) Stock Price Passes Above 200-Day Moving Average - What's Next? - MarketBeat

<a href="https://news.google.com/rss/articles/CBMi2gFBVV95cUxQZFRwLTRMZ29tWGl2Nk9PVEgtZ0p5UFJNRldMdWZTVWVaU0RiRFBINzZ6XzN2M1NtNlpuT3h0UUZwZU02Z2NXcmFqaktIb19CY3NFc1ZYSEdVVjN3YklPd1pRUlpkZDVFeVBweEIzX0ZDTnJERUFENjl3NHMweVBuZHRjVjFEb0FtcEstVW…

Google News Mon, 06 Jul 2026

Civista Bancshares (CIVB) is a Top Dividend Stock Right Now: Should You Buy? - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMiowFBVV95cUxPSkZCUzNhMDRmc2pvSVpPcUd1Z2tEYkZhUHU0NDNjdmJOTTk5WlB1cmlUSEhFQTgzZ3FoY05laGt0T01DTWc3OG5QZjBrM1oyd1I3U3d3NkotOGtyY0N1ZFJ0aXk4Q2puekhvZXFpbEQzUWttbGQwdWxoZ3ZJOFJMY3lJcHBYV1c1Rm9aNX…

Google News Wed, 22 Apr 2026

Civista Bancshares, Inc. Announces First-Quarter 2026 Financial Results of $0.72 per Common Share, up $0.06 per Common Share from First-Quarter 2025 - PR Newswire

<a href="https://news.google.com/rss/articles/CBMiqAJBVV95cUxOZjk3cVVhdmRabGlGT0ZOX051SFQyaUlqaGhoa2dFR252LXBlanpyMnVzZnZFdjJVUWxFeFZ6RXd3SXE1dU5HSm5RN0xQSW11NmRqZkxRU2FYYU5lM1FPeXU2cWxsTWpOX1o3TGlaOW1TMy11NlJzU3h6SnJqODRrMnlwM2puX2dxUTJWTz…

Google News Wed, 24 Jun 2026

Civista Bancshares (CIVB) Stock Faces Mixed Analyst Target Changes After Refreshed Valuation - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMiogFBVV95cUxPUG1QR1Z1STN0WjJQLU9QbndwclgwVEcyVFlmS2hqSWllQXN5VWZISkhpbC0xMVdobWJ3YkhmMmxEZUlzOE0zM2xkZE5XSW8xT0pFUTNIdXpfd3p2blRucHk2c1R2UU9NTndPdlVlRmdtM1l5SUJYMXVxeFdpbEsxTFEyTlJldGQ3SkFsME…

Google News Mon, 06 Jul 2026

(CIVB) and the Role of Price-Sensitive Allocations - Stock Traders Daily

<a href="https://news.google.com/rss/articles/CBMixwFBVV95cUxQb3Q1WDdnb0pIanZ5LWJpelpWN2t4eHlsajJVN2FpVk1oXzk2dnRGT3R4VGUxNUgwMHhRamlQQmswb29oenRpUnYwWDh5V2NBaU1nZl9jSE4tMUtLYVlSTVpKNzZSRGdXQlVKQ0VtX2ZGOHZVNlBCeDRNYkNLVzdCazZVN2Z6X2s5OWM1V0…

Google News Wed, 22 Apr 2026

CIVISTA BANCSHARES ($CIVB) Releases Q1 2026 Earnings - Quiver Quantitative

<a href="https://news.google.com/rss/articles/CBMilgFBVV95cUxQMnUzOHp1Zl9PaDExbkVlZ0JORWt2RmlzVHFTNUlTRUZqS3NQbFduNGhkVzdyWXMyN0xPU2V5RVdBdjBPb3FSaV9lN24ydzEycXFZLUJvZmp3S0hHaHVXN2YwV3lsLVRPdWQwZkgtakdHR3B4NTQyQXRxQ2l6aEJaSWFnclhvcWluQnRlcV…

CIVB — Frequently Asked Questions

What is the current share price of Civista Bancshares, Inc. (CIVB)?

As of 2026-07-14 21:23 PDT, Civista Bancshares, Inc. (CIVB) trades at $27.92 on NasdaqCM. Its 52-week range is $18.75 to $29.00.

What is the market capitalisation of CIVB?

Civista Bancshares, Inc. (CIVB) has a market capitalisation of $580.27M on NasdaqCM.

What is the P/E ratio of CIVB?

CIVB trades at a trailing price-to-earnings (P/E) ratio of 10.34. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 1.02.

Does CIVB pay a dividend?

Civista Bancshares, Inc. (CIVB) currently offers a dividend yield of 2.65%.

What is the return on equity (ROE) of CIVB?

CIVB has a return on equity (ROE) of 10.75%.

Is CIVB a good stock to buy?

This page provides a data-driven analysis of Civista Bancshares, Inc. (CIVB), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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