Civista Bancshares Statistics
Total Valuation
CIVB has a market cap or net worth of $386.45 million. The enterprise value is $862.21 million.
Important Dates
The last earnings date was Thursday, July 24, 2025, before market open.
| Earnings Date | Jul 24, 2025 |
| Ex-Dividend Date | Aug 5, 2025 |
Share Statistics
CIVB has 19.31 million shares outstanding. The number of shares has increased by 2.68% in one year.
| Current Share Class | 19.31M |
| Shares Outstanding | 19.31M |
| Shares Change (YoY) | +2.68% |
| Shares Change (QoQ) | +0.04% |
| Owned by Insiders (%) | 3.00% |
| Owned by Institutions (%) | 46.68% |
| Float | 18.73M |
Valuation Ratios
The trailing PE ratio is 7.93 and the forward PE ratio is 8.17.
| PE Ratio | 7.93 |
| Forward PE | 8.17 |
| PS Ratio | 1.97 |
| Forward PS | 2.15 |
| PB Ratio | 0.77 |
| P/TBV Ratio | 1.41 |
| P/FCF Ratio | 8.51 |
| P/OCF Ratio | 7.73 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 22.00 |
| EV / Sales | 5.48 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 18.98 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 12.18 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 10.14%.
| Return on Equity (ROE) | 10.14% |
| Return on Assets (ROA) | 0.96% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Revenue Per Employee | $298,725 |
| Profits Per Employee | $74,366 |
| Employee Count | 527 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, CIVB has paid $6.69 million in taxes.
| Income Tax | 6.69M |
| Effective Tax Rate | 14.50% |
Stock Price Statistics
The stock price has increased by +25.46% in the last 52 weeks. The beta is 0.73, so CIVB's price volatility has been lower than the market average.
| Beta (5Y) | 0.73 |
| 52-Week Price Change | +25.46% |
| 50-Day Moving Average | 21.69 |
| 200-Day Moving Average | 21.33 |
| Relative Strength Index (RSI) | 42.30 |
| Average Volume (20 Days) | 108,862 |
Short Selling Information
The latest short interest is 88,355, so 0.46% of the outstanding shares have been sold short.
| Short Interest | 88,355 |
| Short Previous Month | 86,597 |
| Short % of Shares Out | 0.46% |
| Short % of Float | 0.47% |
| Short Ratio (days to cover) | 0.84 |
Income Statement
In the last 12 months, CIVB had revenue of $157.43 million and earned $39.19 million in profits. Earnings per share was $2.52.
| Revenue | 157.43M |
| Gross Profit | 157.43M |
| Operating Income | 50.69M |
| Pretax Income | 38.76M |
| Net Income | 39.19M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $2.52 |
Full Income StatementBalance Sheet
The company has $77.70 million in cash and $553.46 million in debt, giving a net cash position of -$475.76 million or -$24.63 per share.
| Cash & Cash Equivalents | 77.70M |
| Total Debt | 553.46M |
| Net Cash | -475.76M |
| Net Cash Per Share | -$24.63 |
| Equity (Book Value) | 404.14M |
| Book Value Per Share | 26.02 |
| Working Capital | -3.55B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $49.99 million and capital expenditures -$4.57 million, giving a free cash flow of $45.43 million.
| Operating Cash Flow | 49.99M |
| Capital Expenditures | -4.57M |
| Free Cash Flow | 45.43M |
| FCF Per Share | $2.35 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 32.20% |
| Pretax Margin | 29.30% |
| Profit Margin | 25.05% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 28.86% |
Dividends & Yields
This stock pays an annual dividend of $0.68, which amounts to a dividend yield of 3.35%.
| Dividend Per Share | $0.68 |
| Dividend Yield | 3.35% |
| Dividend Growth (YoY) | 4.69% |
| Years of Dividend Growth | 13 |
| Payout Ratio | 26.56% |
| Buyback Yield | -2.68% |
| Shareholder Yield | 0.72% |
| Earnings Yield | 10.14% |
| FCF Yield | 11.75% |
Dividend DetailsAnalyst Forecast
The average price target for CIVB is $25.50, which is 27.56% higher than the current price. The consensus rating is "Buy".
| Price Target | $25.50 |
| Price Target Difference | 27.56% |
| Analyst Consensus | Buy |
| Analyst Count | 5 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | n/a |
Stock ForecastsFair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside | |
Stock Splits
The last stock split was on June 5, 1996. It was a forward split with a ratio of 4:1.
| Last Split Date | Jun 5, 1996 |
| Split Type | Forward |
| Split Ratio | 4:1 |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 4 |