Civista Bancshares, Inc. (CIVB)

Civista Bancshares Statistics

Total Valuation

CIVB has a market cap or net worth of $359.11 million. The enterprise value is $747.88 million.

Market Cap	359.11M
Enterprise Value	747.88M

Important Dates

The last earnings date was Thursday, April 24, 2025, before market open.

Earnings Date	Apr 24, 2025
Ex-Dividend Date	Apr 29, 2025

Share Statistics

CIVB has 15.52 million shares outstanding. The number of shares has increased by 2.11% in one year.

Current Share Class	15.52M
Shares Outstanding	15.52M
Shares Change (YoY)	+2.11%
Shares Change (QoQ)	+0.16%
Owned by Insiders (%)	3.54%
Owned by Institutions (%)	55.15%
Float	14.96M

Valuation Ratios

The trailing PE ratio is 10.25 and the forward PE ratio is 8.06.

PE Ratio	10.25
Forward PE	8.06
PS Ratio	2.33
Forward PS	2.05
PB Ratio	0.90
P/TBV Ratio	1.34
P/FCF Ratio	7.66
P/OCF Ratio	7.03
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	21.37
EV / Sales	4.87
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	15.95

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	10.30
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 9.25%.

Return on Equity (ROE)	9.25%
Return on Assets (ROA)	0.88%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$291,317
Profits Per Employee	$66,419
Employee Count	527
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CIVB has paid $5.83 million in taxes.

Income Tax	5.83M
Effective Tax Rate	14.10%

Stock Price Statistics

The stock price has increased by +56.04% in the last 52 weeks. The beta is 0.69, so CIVB's price volatility has been lower than the market average.

Beta (5Y)	0.69
52-Week Price Change	+56.04%
50-Day Moving Average	20.28
200-Day Moving Average	19.76
Relative Strength Index (RSI)	67.44
Average Volume (20 Days)	40,531

Short Selling Information

The latest short interest is 216,421, so 1.39% of the outstanding shares have been sold short.

Short Interest	216,421
Short Previous Month	189,185
Short % of Shares Out	1.39%
Short % of Float	1.45%
Short Ratio (days to cover)	4.74

Income Statement

In the last 12 months, CIVB had revenue of $153.52 million and earned $35.00 million in profits. Earnings per share was $2.26.

Revenue	153.52M
Gross Profit	153.52M
Operating Income	45.76M
Pretax Income	38.76M
Net Income	35.00M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.26

Balance Sheet

The company has $94.26 million in cash and $483.03 million in debt, giving a net cash position of -$388.77 million or -$25.05 per share.

Cash & Cash Equivalents	94.26M
Total Debt	483.03M
Net Cash	-388.77M
Net Cash Per Share	-$25.05
Equity (Book Value)	397.43M
Book Value Per Share	25.61
Working Capital	-3.51B

Cash Flow

In the last 12 months, operating cash flow was $51.11 million and capital expenditures -$4.22 million, giving a free cash flow of $46.88 million.

Operating Cash Flow	51.11M
Capital Expenditures	-4.22M
Free Cash Flow	46.88M
FCF Per Share	$3.02

Margins

Gross Margin	n/a
Operating Margin	29.81%
Pretax Margin	26.91%
Profit Margin	23.12%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	30.54%

Dividends & Yields

This stock pays an annual dividend of $0.68, which amounts to a dividend yield of 2.94%.

Dividend Per Share	$0.68
Dividend Yield	2.94%
Dividend Growth (YoY)	3.13%
Years of Dividend Growth	10
Payout Ratio	30.12%
Buyback Yield	-2.11%
Shareholder Yield	0.83%
Earnings Yield	9.75%
FCF Yield	13.06%

Analyst Forecast

The average price target for CIVB is $25.67, which is 10.93% higher than the current price. The consensus rating is "Buy".

Price Target	$25.67
Price Target Difference	10.93%
Analyst Consensus	Buy
Analyst Count	4
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

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