CIVISTA BANCSHARES INC (CIVB) Stock Fundamental Analysis

NASDAQ:CIVB • US1788671071

23.85 USD
-0.03 (-0.13%)
At close: Feb 13, 2026
23.85 USD
0 (0%)
After Hours: 2/13/2026, 8:00:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, CIVB scores 4 out of 10 in our fundamental rating. CIVB was compared to 381 industry peers in the Banks industry. CIVB has a bad profitability rating. Also its financial health evaluation is rather negative. CIVB has a decent growth rate and is not valued too expensively. CIVB also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year CIVB was profitable.
  • In the past year CIVB had a positive cash flow from operations.
  • In the past 5 years CIVB has always been profitable.
  • Of the past 5 years CIVB 4 years had a positive operating cash flow.
CIVB Yearly Net Income VS EBIT VS OCF VS FCFCIVB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M

1.2 Ratios

  • CIVB's Return On Assets of 1.06% is fine compared to the rest of the industry. CIVB outperforms 65.09% of its industry peers.
  • With a Return On Equity value of 8.71%, CIVB perfoms like the industry average, outperforming 49.34% of the companies in the same industry.
Industry RankSector Rank
ROA 1.06%
ROE 8.71%
ROIC N/A
ROA(3y)0.96%
ROA(5y)1.07%
ROE(3y)9.19%
ROE(5y)10.11%
ROIC(3y)N/A
ROIC(5y)N/A
CIVB Yearly ROA, ROE, ROICCIVB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • The Profit Margin of CIVB (26.10%) is better than 61.15% of its industry peers.
  • In the last couple of years the Profit Margin of CIVB has remained more or less at the same level.
  • The Operating Margin and Gross Margin are not available for CIVB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 26.1%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.5%
PM growth 5Y-0.4%
GM growth 3YN/A
GM growth 5YN/A
CIVB Yearly Profit, Operating, Gross MarginsCIVB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • CIVB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, CIVB has more shares outstanding
  • CIVB has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, CIVB has an improved debt to assets ratio.
CIVB Yearly Shares OutstandingCIVB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M 20M
CIVB Yearly Total Debt VS Total AssetsCIVB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

2.2 Solvency

  • The Debt to FCF ratio of CIVB is 2.12, which is a good value as it means it would take CIVB, 2.12 years of fcf income to pay off all of its debts.
  • CIVB has a Debt to FCF ratio of 2.12. This is comparable to the rest of the industry: CIVB outperforms 46.19% of its industry peers.
  • A Debt/Equity ratio of 0.22 indicates that CIVB is not too dependend on debt financing.
  • CIVB has a Debt to Equity ratio of 0.22. This is comparable to the rest of the industry: CIVB outperforms 40.68% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 2.12
Altman-Z N/A
ROIC/WACCN/A
WACC13.29%
CIVB Yearly LT Debt VS Equity VS FCFCIVB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CIVB Yearly Current Assets VS Current LiabilitesCIVB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • CIVB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 38.61%, which is quite impressive.
  • Measured over the past 5 years, CIVB shows a small growth in Earnings Per Share. The EPS has been growing by 6.96% on average per year.
  • Looking at the last year, CIVB shows a decrease in Revenue. The Revenue has decreased by -9.82% in the last year.
  • CIVB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.91% yearly.
EPS 1Y (TTM)38.61%
EPS 3Y2.63%
EPS 5Y6.96%
EPS Q2Q%19.05%
Revenue 1Y (TTM)-9.82%
Revenue growth 3Y7.4%
Revenue growth 5Y7.91%
Sales Q2Q%15.11%

3.2 Future

  • The Earnings Per Share is expected to grow by 2.00% on average over the next years.
  • Based on estimates for the next years, CIVB will show a quite strong growth in Revenue. The Revenue will grow by 8.64% on average per year.
EPS Next Y-4.99%
EPS Next 2Y2%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.8%
Revenue Next 2Y8.64%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
CIVB Yearly Revenue VS EstimatesCIVB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M
CIVB Yearly EPS VS EstimatesCIVB Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2 2.5

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 8.52, the valuation of CIVB can be described as reasonable.
  • 92.13% of the companies in the same industry are more expensive than CIVB, based on the Price/Earnings ratio.
  • Compared to an average S&P500 Price/Earnings ratio of 27.97, CIVB is valued rather cheaply.
  • The Price/Forward Earnings ratio is 8.97, which indicates a very decent valuation of CIVB.
  • CIVB's Price/Forward Earnings ratio is rather cheap when compared to the industry. CIVB is cheaper than 83.73% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of CIVB to the average of the S&P500 Index (27.96), we can say CIVB is valued rather cheaply.
Industry RankSector Rank
PE 8.52
Fwd PE 8.97
CIVB Price Earnings VS Forward Price EarningsCIVB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of CIVB indicates a somewhat cheap valuation: CIVB is cheaper than 73.23% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 9.66
EV/EBITDA N/A
CIVB Per share dataCIVB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1.22
EPS Next 2Y2%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • CIVB has a Yearly Dividend Yield of 2.90%.
  • CIVB's Dividend Yield is a higher than the industry average which is at 2.53.
  • CIVB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.79.
Industry RankSector Rank
Dividend Yield 2.9%

5.2 History

  • The dividend of CIVB is nicely growing with an annual growth rate of 7.71%!
  • CIVB has been paying a dividend for at least 10 years, so it has a reliable track record.
  • CIVB has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)7.71%
Div Incr Years13
Div Non Decr Years13
CIVB Yearly Dividends per shareCIVB Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6

5.3 Sustainability

  • CIVB pays out 25.47% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of CIVB is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP25.47%
EPS Next 2Y2%
EPS Next 3YN/A
CIVB Yearly Income VS Free CF VS DividendCIVB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M
CIVB Dividend Payout.CIVB Dividend Payout, showing the Payout Ratio.CIVB Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

CIVISTA BANCSHARES INC

NASDAQ:CIVB (2/13/2026, 8:00:00 PM)

After market: 23.85 0 (0%)

23.85

-0.03 (-0.13%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-22
Inst Owners63.43%
Inst Owner Change-2.91%
Ins Owners1.23%
Ins Owner Change0.02%
Market Cap494.89M
Revenue(TTM)172.55M
Net Income(TTM)43.47M
Analysts78.33
Price Target27.54 (15.47%)
Short Float %1.37%
Short Ratio2.55
Dividend
Industry RankSector Rank
Dividend Yield 2.9%
Yearly Dividend0.65
Dividend Growth(5Y)7.71%
DP25.47%
Div Incr Years13
Div Non Decr Years13
Ex-Date02-10
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.49%
Min EPS beat(2)0.01%
Max EPS beat(2)10.96%
EPS beat(4)4
Avg EPS beat(4)13.08%
Min EPS beat(4)0.01%
Max EPS beat(4)25.64%
EPS beat(8)7
Avg EPS beat(8)9.72%
EPS beat(12)9
Avg EPS beat(12)6.02%
EPS beat(16)12
Avg EPS beat(16)6.76%
Revenue beat(2)0
Avg Revenue beat(2)-6.89%
Min Revenue beat(2)-8.43%
Max Revenue beat(2)-5.34%
Revenue beat(4)0
Avg Revenue beat(4)-6.33%
Min Revenue beat(4)-8.43%
Max Revenue beat(4)-5.34%
Revenue beat(8)2
Avg Revenue beat(8)-4.6%
Revenue beat(12)3
Avg Revenue beat(12)-3.67%
Revenue beat(16)4
Avg Revenue beat(16)-3.61%
PT rev (1m)8%
PT rev (3m)8.72%
EPS NQ rev (1m)-6.01%
EPS NQ rev (3m)-5.71%
EPS NY rev (1m)-0.48%
EPS NY rev (3m)1.32%
Revenue NQ rev (1m)-0.46%
Revenue NQ rev (3m)0.28%
Revenue NY rev (1m)-0.33%
Revenue NY rev (3m)-1.26%
Valuation
Industry RankSector Rank
PE 8.52
Fwd PE 8.97
P/S 2.97
P/FCF 9.66
P/OCF 8.79
P/B 0.99
P/tB 1.35
EV/EBITDA N/A
EPS(TTM)2.8
EY11.74%
EPS(NY)2.66
Fwd EY11.15%
FCF(TTM)2.47
FCFY10.36%
OCF(TTM)2.71
OCFY11.37%
SpS8.03
BVpS24.05
TBVpS17.67
PEG (NY)N/A
PEG (5Y)1.22
Graham Number38.92
Profitability
Industry RankSector Rank
ROA 1.06%
ROE 8.71%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.1%
GM N/A
FCFM 30.77%
ROA(3y)0.96%
ROA(5y)1.07%
ROE(3y)9.19%
ROE(5y)10.11%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.5%
PM growth 5Y-0.4%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 2.12
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 3.02%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 117.9%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC13.29%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)38.61%
EPS 3Y2.63%
EPS 5Y6.96%
EPS Q2Q%19.05%
EPS Next Y-4.99%
EPS Next 2Y2%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-9.82%
Revenue growth 3Y7.4%
Revenue growth 5Y7.91%
Sales Q2Q%15.11%
Revenue Next Year10.8%
Revenue Next 2Y8.64%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y94.35%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y102.94%
OCF growth 3YN/A
OCF growth 5YN/A

CIVISTA BANCSHARES INC / CIVB FAQ

What is the ChartMill fundamental rating of CIVISTA BANCSHARES INC (CIVB) stock?

ChartMill assigns a fundamental rating of 4 / 10 to CIVB.


What is the valuation status for CIVB stock?

ChartMill assigns a valuation rating of 5 / 10 to CIVISTA BANCSHARES INC (CIVB). This can be considered as Fairly Valued.


Can you provide the profitability details for CIVISTA BANCSHARES INC?

CIVISTA BANCSHARES INC (CIVB) has a profitability rating of 3 / 10.


Can you provide the financial health for CIVB stock?

The financial health rating of CIVISTA BANCSHARES INC (CIVB) is 2 / 10.


What is the expected EPS growth for CIVISTA BANCSHARES INC (CIVB) stock?

The Earnings per Share (EPS) of CIVISTA BANCSHARES INC (CIVB) is expected to decline by -4.99% in the next year.