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Civista Bancshares, Inc. (CIVB)
Price$26.41
Value ScoreB
Growth ScoreC
Momentum ScoreB
Favorite Metrics
Price vs S&P 500 (26W)8.21%
Price vs S&P 500 (4W)5.69%
VGM Score59.47
Market Capitalization$548.89M
P/E Ratio (Annual)11.88x
Indicated Dividend Yield (Annual)2.76%
All Metrics
P/CF (Annual)12.68x
Book Value / Share (Quarterly)$26.57
P/TBV (Annual)0.81x
Indicated Dividend (Annual)$0.72
Revenue Growth (3Y)7.34%
Cash Flow / Share (Quarterly)$2.43
Payout Ratio (TTM)25.35%
Price vs S&P 500 (YTD)10.70%
Net Profit Margin (TTM)27.32%
EPS (TTM)$2.73
10-Day Avg Trading Volume0.08M
EPS Excl Extra (TTM)$2.73
Revenue Growth (5Y)15.66%
EPS (Annual)$2.65
Dividend / Share (Annual)$0.65
ROI (Annual)7.09%
Net Profit Margin (5Y Avg)27.82%
Cash / Share (Quarterly)$3.21
P/E Basic Excl Extra (TTM)10.76x
Revenue Growth QoQ (YoY)40.74%
EPS Growth (5Y)5.81%
P/E Normalized (Annual)11.88x
ROA (Last FY)1.07%
Revenue Growth TTM (YoY)56.16%
EBITD / Share (TTM)$5.34
ROE (5Y Avg)10.28%
Operating Margin (TTM)32.42%
Cash Flow / Share (Annual)$2.03
P/B Ratio0.99x
P/B Ratio (Quarterly)0.86x
Net Income / Employee (Annual)$87,900
ROA (TTM)1.21%
EPS Growth QoQ (YoY)9.80%
EV / EBITDA (TTM)10.39x
EPS Incl Extra (Annual)$2.65
3-Month Avg Trading Volume0.09M
52-Week Price Return21.37%
EV / Free Cash Flow (Annual)15.59x
P/E Incl Extra (TTM)10.76x
Tangible BV / Share (Quarterly)$25.98
P/S Ratio (Annual)1.74x
52-Week High$28.31
EPS Excl Extra (Annual)$2.65
CapEx CAGR (5Y)-10.08%
Tangible BV CAGR (5Y)9.17%
26-Week Price Return16.14%
13-Week Price Return15.58%
Total Debt / Equity (Annual)0.20x
Enterprise Value$656.76M
Revenue / Share Growth (5Y)10.16%
Book Value / Share Growth (5Y)3.54%
Revenue / Employee (Annual)$286,879,500,000
Pretax Margin (Annual)33.77%
Cash / Share (Annual)$2.76
3-Month Return Std Dev22.84%
Net Income / Employee (TTM)$97,000
EBITDA CAGR (5Y)18.00%
EBITDA Interim CAGR (5Y)34.44%
ROE (Last FY)8.50%
EPS Basic Excl Extra (Annual)$2.65
P/FCF (TTM)10.89x
EV / Free Cash Flow (TTM)13.03x
Total Debt / Equity (Quarterly)0.20x
EPS Incl Extra (TTM)$2.73
ROI (TTM)8.39%
Dividend Growth Rate (5Y)8.38%
P/S Ratio (TTM)1.45x
Pretax Margin (5Y Avg)32.66%
Revenue / Share (Annual)$9.30
Tangible BV / Share (Annual)$25.56
Forward P/E9.16x
Free OCF CAGR (5Y)6.54%
Price vs S&P 500 (52W)-3.00%
P/E Ratio (TTM)10.76x
EPS Growth TTM (YoY)-0.18%
Year-to-Date Return18.86%
5-Day Price Return3.33%
EPS Normalized (Annual)$2.65
ROA (5Y Avg)1.08%
Net Profit Margin (Annual)28.31%
Month-to-Date Return1.97%
Cash Flow / Share (TTM)$3.61
EBITD / Share (Annual)$3.65
EPS Growth (3Y)0.33%
Operating Margin (Annual)33.77%
LT Debt / Equity (Annual)0.20x
P/CF (TTM)10.59x
ROI (5Y Avg)7.77%
P/E Excl Extra (TTM)10.76x
LT Debt / Equity (Quarterly)0.20x
EPS Basic Excl Extra (TTM)$2.73
P/TBV (Quarterly)0.88x
Payout Ratio (Annual)25.61%
P/B Ratio (Annual)0.79x
Dividend / Share (TTM)$0.71
Pretax Margin (TTM)32.42%
Book Value / Share (Annual)$26.20
Price vs S&P 500 (13W)7.33%
Net Margin Growth (5Y)4.12%
Dividend Yield (TTM)2.36%
Beta0.66x
P/FCF (Annual)13.03x
Revenue / Share (TTM)$10.97
ROE (TTM)10.21%
52-Week Low$18.95
vGradeB
gGradeC
mGradeB
vgmGradeC
Show chart for
Earnings Surprise History
Q1 260.72est. 0.63
Analyst Recommendations
Mar 2026
Apr 2026
May 2026
Jun 2026
3.83
3.83
3.83
3.83
Industry Peers — State Banks(184)
| Symbol | Value Score | Growth Score | Momentum Score | Price |
|---|---|---|---|---|
CIVBCivista Bancshares, Inc. | B | C | B | $26.41 |
| BNSBank of Nova Scotia | C | C | B | $80.56 |
| BKBank of New York Mellon Corporation | D | B | A | $137.16 |
| ITUBItau Unibanco Holding S.A. American Depositary Shares | B | D | F | $7.54 |
| DBDeutsche Bank Aktiengesellschaft | B | B | F | $31.51 |
| FITBFifth Third Bancorp | D | C | B | $52.01 |
| FITBIFifth Third Bancorp Depositary Shares | D | C | B | $25.73 |
| FITBMFifth Third Bancorp Depositary Shares Representing a 1/40th Ownership Interest in a Share of 6.875% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series M | D | C | B | $26.02 |
| FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K | D | C | B | $18.36 |
| STTState Street Corporation | C | C | A | $161.75 |
| BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares) | A | D | F | $3.36 |
About
Civista Bancshares is a community bank holding company that generates revenue primarily through interest and loan fees. The company offers deposit-taking, lending, securities purchasing, and trust services across a diversified loan portfolio including commercial, agricultural, real estate, residential, construction, and consumer loans.