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Civista Bancshares, Inc. (CIVB)
Price$24.28
Favorite Metrics
Price vs S&P 500 (26W)12.26%
Price vs S&P 500 (4W)3.09%
Market Capitalization$502.97M
P/E Ratio (Annual)10.88x
Indicated Dividend Yield (Annual)2.93%
All Metrics
P/CF (Annual)11.62x
Book Value / Share (Quarterly)$26.20
P/TBV (Annual)0.81x
Indicated Dividend (Annual)$0.68
Revenue Growth (3Y)7.34%
Cash Flow / Share (Quarterly)$2.03
Payout Ratio (TTM)25.61%
Price vs S&P 500 (YTD)6.57%
Net Profit Margin (TTM)27.32%
EPS (TTM)$2.66
10-Day Avg Trading Volume0.11M
EPS Excl Extra (TTM)$2.66
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)10.88x
Revenue Growth QoQ (YoY)40.74%
EPS Growth (5Y)5.81%
P/E Normalized (Annual)10.88x
ROA (Last FY)1.07%
Revenue Growth TTM (YoY)56.16%
EBITD / Share (TTM)$3.17
ROE (5Y Avg)10.28%
Operating Margin (TTM)32.42%
Cash Flow / Share (Annual)$2.03
P/B Ratio0.93x
P/B Ratio (Quarterly)0.79x
Net Income / Employee (Annual)$0
ROA (TTM)1.10%
EPS Growth QoQ (YoY)-11.23%
EV / EBITDA (TTM)11.07x
EPS Incl Extra (Annual)$2.65
3-Month Avg Trading Volume0.10M
52-Week Price Return26.22%
EV / Free Cash Flow (Annual)14.52x
P/E Incl Extra (TTM)10.88x
Tangible BV / Share (Quarterly)$25.56
P/S Ratio (Annual)1.74x
52-Week High$25.59
EPS Excl Extra (Annual)$2.65
CapEx CAGR (5Y)-10.08%
Tangible BV CAGR (5Y)9.17%
26-Week Price Return21.00%
13-Week Price Return8.71%
Total Debt / Equity (Annual)0.20x
Enterprise Value$611.298
Revenue / Share Growth (5Y)10.16%
Book Value / Share Growth (5Y)3.54%
Revenue / Employee (Annual)$286,880
Pretax Margin (Annual)33.77%
Cash / Share (Annual)$2.76
3-Month Return Std Dev26.95%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)10.06%
EBITDA Interim CAGR (5Y)4.25%
ROE (Last FY)8.50%
EPS Basic Excl Extra (Annual)$2.65
P/FCF (TTM)11.94x
EV / Free Cash Flow (TTM)14.52x
Total Debt / Equity (Quarterly)0.20x
EPS Incl Extra (TTM)$2.66
ROI (TTM)8.10%
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/E9.30x
Free OCF CAGR (5Y)6.54%
Price vs S&P 500 (52W)-8.88%
P/E Ratio (TTM)10.88x
EPS Growth TTM (YoY)6.81%
Year-to-Date Return10.71%
5-Day Price Return2.46%
EPS Normalized (Annual)$2.65
ROA (5Y Avg)1.08%
Net Profit Margin (Annual)28.31%
Month-to-Date Return7.94%
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)11.62x
ROI (5Y Avg)7.77%
P/E Excl Extra (TTM)10.88x
LT Debt / Equity (Quarterly)0.20x
EPS Basic Excl Extra (TTM)$2.66
P/TBV (Quarterly)0.81x
Payout Ratio (Annual)25.61%
P/B Ratio (Annual)0.79x
Dividend / Share (TTM)$0.65
Pretax Margin (TTM)32.42%
Book Value / Share (Annual)$26.20
Price vs S&P 500 (13W)5.84%
Net Margin Growth (5Y)4.12%
Dividend Yield (TTM)2.35%
Beta0.66x
P/FCF (Annual)11.94x
Revenue / Share (TTM)$10.97
ROE (TTM)10.02%
52-Week Low$18.80
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
3.92
3.82
3.83
3.83
Industry Peers — State Banks(184)
| Symbol | P/B Ratio (Quarterly) | ROE (TTM) | ROA (TTM) | Net Interest Coverage (TTM) | Price |
|---|---|---|---|---|---|
CIVBCivista Bancshares, Inc. | 0.79x | 10.02% | 1.10% | — | $24.28 |
ITUBItau Unibanco Holding S.A. American Depositary Shares | 2.03x | 20.76% | 1.50% | — | $9.28 |
BNSBank of Nova Scotia | 1.45x | 10.41% | 0.62% | — | $76.78 |
BKBank of New York Mellon Corporation | 1.83x | 12.66% | 1.20% | — | $135.37 |
FITBFifth Third Bancorp | 1.23x | 8.86% | 0.93% | — | $50.98 |
FITBIFifth Third Bancorp Depositary Shares | 1.23x | 8.86% | 0.93% | — | $25.31 |
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 | 1.23x | 8.86% | 0.93% | — | $25.88 |
FITBOFifth Third Bancorp Depositary Shares each representing a 1/1000th ownership interest in a share of Non-Cumulative Perpetual Preferred Stock, Series K | 1.23x | 8.86% | 0.93% | — | $19.50 |
FITBPFifth Third Bancorp Depositary Shares each representing 1/40th share of Fifth Third 6.00% Non-Cumulative Perpetual Class B Preferred Stock, Series A | 1.23x | 8.86% | 0.93% | — | $24.18 |
BBDBanco Bradesco S.A. American Depositary Shares (Each representing one Preferred Shares) | 1.04x | 9.84% | 0.81% | — | $4.19 |
BBDOBanco Bradesco S.A. American Depositary Shares (Each representing one Common Share, no par value) | 1.04x | 9.84% | 0.81% | — | $3.73 |
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.