CIVB Stock Analysis: Civista Bancshares | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 591m USD | 12M Return: 17.1% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 3.57M
EPS Trend: 1.5%
Qual. Beats: 3
Rev. Trend: 90.1%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Civista Bancshares, Inc. (CIVB) is a financial holding company founded in 1884 and headquartered in Sandusky, Ohio. Operating primarily through Civista Bank, the firm provides a full suite of commercial and retail banking services across Ohio, Southeastern Indiana, and Northern Kentucky. Its offerings include various deposit accounts, digital banking solutions, and a diversified loan portfolio spanning commercial, agricultural, residential, and construction real estate.
As a regional bank, Civista relies on a traditional spread-based business model, generating income from the difference between interest earned on loans and interest paid on deposits. Regional banks often maintain a competitive advantage by leveraging deep local market knowledge to underwrite small-to-medium enterprise (SME) loans that larger national institutions may overlook. In addition to core banking, Civista manages a securities portfolio and provides specialized services including equipment leasing and investment advisory.
For a detailed analysis of the companys valuation and growth metrics, consider reviewing the latest data on ValueRay. The company underwent a significant rebranding in 2015, changing its name from First Citizens Banc Corp to its current title to better reflect its expanding regional footprint.
- Net interest margin compression impacts profitability amid rising deposit funding costs
- Commercial real estate loan concentration increases exposure to regional economic downturns
- Expansion into equipment leasing diversifies non-interest income beyond traditional banking
- Federal Reserve interest rate policy dictates yield on variable rate loan portfolio
- Asset quality stability in Ohio and Indiana markets drives credit loss provisions
| Net Income: 51.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.04 > 1.0 |
| NWC/Revenue: -1.43k% < 20% (prev -1.30k%; Δ -133.4% < -1%) |
| CFO/TA 0.01 > 3% & CFO 51.8m > Net Income 51.0m |
| Net Debt (127.3m) to EBITDA (61.8m): 2.06 < 3 |
| Current Ratio: 0.03 > 1.5 & < 3 |
| Outstanding Shares: last quarter (20.7m) vs 12m ago 34.26% < -2% |
| Gross Margin: 67.16% > 18% (prev 61.57%; Δ 5.60% > 0.5%) |
| Asset Turnover: 5.86% > 50% (prev 5.91%; Δ -0.05% > 0%) |
| Interest Coverage Ratio: 0.65 > 6 (EBIT TTM 51.9m / Interest Expense TTM 79.4m) |
| A: -0.82 (Total Current Assets 98.3m - Total Current Liabilities 3.64b) / Total Assets 4.30b |
| B: 0.06 (Retained Earnings 251.0m / Total Assets 4.30b) |
| C: 0.01 (EBIT TTM 51.9m / Avg Total Assets 4.22b) |
| D: 0.15 (Book Value of Equity 552.2m / Total Liabilities 3.75b) |
| Altman-Z'' = -4.98 = D |
| DSRI: 0.26 (Receivables 14.8m/57.3m, Revenue 247.4m/244.9m) |
| GMI: 0.92 (GM 61.57% / 67.16%) |
| AQI: 1.09 (AQ_t 0.97 / AQ_t-1 0.89) |
| SGI: 1.01 (Revenue 247.4m / 244.9m) |
| TATA: -0.00 (NI 51.0m - CFO 51.8m) / TA 4.30b) |
| Beneish M = -3.65 (Cap -4..+1) = AAA |
As of July 08, 2026, the stock is trading at USD 27.95 with a total of 130,588 shares traded. Over the past week, the price has changed by -1.69%, over one month by +5.99%, over three months by +19.96% and over the past year by +17.13%.
Current recommended Stop Loss: 26.90 (which is 3.8% or 1.3 ATR below the current price).
Civista Bancshares has received a consensus analysts rating of 4.17. Therefore, it is recommended to buy CIVB.
- StrongBuy: 3
- Buy: 1
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 28.7 | 2.6% |
P/E Trailing = 10.5407
P/E Forward = 9.5329
P/S = 3.3232
P/B = 1.0908
P/EG = 1.3731
Revenue TTM = 247.4m USD
EBIT TTM = 51.9m USD
EBITDA TTM = 61.8m USD
Long Term Debt = 108.6m USD (from longTermDebt, last quarter)
Short Term Debt = 100.6m USD (from shortTermDebt, last quarter)
Debt = 210.8m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 127.3m USD (calculated: Debt 210.8m - CCE 83.5m)
Enterprise Value = 718.8m USD (591.5m + Debt 210.8m - CCE 83.5m)
Interest Coverage Ratio = 0.65 (Ebit TTM 51.9m / Interest Expense TTM 79.4m)
EV/FCF = 14.26x (Enterprise Value 718.8m / FCF TTM 50.4m)
FCF Yield = 7.01% (FCF TTM 50.4m / Enterprise Value 718.8m)
FCF Margin = 20.37% (FCF TTM 50.4m / Revenue TTM 247.4m)
Net Margin = 20.63% (Net Income TTM 51.0m / Revenue TTM 247.4m)
Gross Margin = 67.16% ((Revenue TTM 247.4m - Cost of Revenue TTM 81.2m) / Revenue TTM)
Gross Margin QoQ = 67.77% (prev 69.71%)
Tobins Q-Ratio = 0.17 (Enterprise Value 718.8m / Total Assets 4.30b)
Interest Expense / Debt = 37.67% (Interest Expense 79.4m / Debt 210.8m)
Taxrate = 16.76% (10.3m / 61.3m)
NOPAT = 43.2m (EBIT 51.9m * (1 - 16.76%))
Current Ratio = 0.03 (Total Current Assets 98.3m / Total Current Liabilities 3.64b)
Debt / Equity = 0.38 (Debt 210.8m / totalStockholderEquity, last quarter 552.2m)
Debt / EBITDA = 2.06 (Net Debt 127.3m / EBITDA 61.8m)
Debt / FCF = 2.53 (Net Debt 127.3m / FCF TTM 50.4m)
Total Stockholder Equity = 499.7m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.21% (Net Income 51.0m / Total Assets 4.30b)
RoE = 10.21% (Net Income TTM 51.0m / Total Stockholder Equity 499.7m)
RoCE = 8.53% (EBIT 51.9m / Capital Employed (Equity 499.7m + L.T.Debt 108.6m))
RoIC = 1.01% (NOPAT 43.2m / Invested Capital 4.29b)
WACC = 14.60% (E(591.5m)/V(802.3m) * Re(8.62%) + D(210.8m)/V(802.3m) * Rd(37.67%) * (1-Tc(0.17)))
Discount Rate = 8.62% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 85.40 | Cagr: 14.88%
[DCF] Terminal Value 58.09% ; FCFF base≈49.0m ; Y1≈52.2m ; Y5≈62.2m
[DCF] Fair Price = 15.96 (EV 458.9m - Net Debt 127.3m = Equity 331.6m / Shares 20.8m; r=14.60% [WACC]; 5y FCF grow 7.28% → 2.50% )
EPS Correlation: 1.54 | EPS CAGR: 0.25% | SUE: 2.59 | # QB: 3
Revenue Correlation: 90.15 | Revenue CAGR: 8.73% | SUE: 0.35 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.67 | Chg30d=+0.00% | Revisions=+67% | Analysts=6
EPS next Quarter (2026-09-30): EPS=0.70 | Chg30d=+0.00% | Revisions=+44% | Analysts=6
EPS current Year (2026-12-31): EPS=2.83 | Chg30d=+0.00% | Revisions=+67% | GrowthEPS=+1.2% | GrowthRev=+11.3%
EPS next Year (2027-12-31): EPS=2.90 | Chg30d=+0.00% | Revisions=+29% | GrowthEPS=+2.7% | GrowthRev=+5.0%
[Analyst] Revisions Ratio: +72% (up=20, down=2)