CIVISTA BANCSHARES INC (CIVB) Fundamental Analysis & Valuation

NASDAQ:CIVB • US1788671071

Current stock price

22.25 USD
+0.12 (+0.54%)
At close:
22.25 USD
0 (0%)
After Hours:

This CIVB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. CIVB Profitability Analysis

1.1 Basic Checks

  • CIVB had positive earnings in the past year.
  • In the past year CIVB had a positive cash flow from operations.
  • Each year in the past 5 years CIVB has 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 62.73% of its industry peers.
  • Looking at the Return On Equity, with a value of 8.71%, CIVB is in line with its industry, outperforming 46.72% 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

  • With a Profit Margin value of 26.10%, CIVB perfoms like the industry average, outperforming 57.48% of the companies in the same industry.
  • CIVB's Profit Margin has been stable in the last couple of years.
  • 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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2

2. CIVB Health Analysis

2.1 Basic Checks

  • CIVB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for CIVB has been increased compared to 1 year ago.
  • The number of shares outstanding for CIVB has been increased compared to 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.
  • The Debt to FCF ratio of CIVB (2.12) is comparable to the rest of the industry.
  • CIVB has a Debt/Equity ratio of 0.22. This is a healthy value indicating a solid balance between debt and equity.
  • With a Debt to Equity ratio value of 0.22, CIVB perfoms like the industry average, outperforming 40.94% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 2.12
Altman-Z N/A
ROIC/WACCN/A
WACC13.67%
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. CIVB Growth Analysis

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.
  • The Earnings Per Share has been growing slightly by 6.96% on average over the past years.
  • Looking at the last year, CIVB shows a decrease in Revenue. The Revenue has decreased by -9.82% in the last year.
  • The Revenue has been growing slightly by 7.91% on average over the past years.
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 1.92% on average over the next years.
  • CIVB is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.64% yearly.
EPS Next Y-5.04%
EPS Next 2Y1.92%
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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6

4. CIVB Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 7.95 indicates a rather cheap valuation of CIVB.
  • 91.34% of the companies in the same industry are more expensive than CIVB, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of CIVB to the average of the S&P500 Index (25.70), we can say CIVB is valued rather cheaply.
  • CIVB is valuated reasonably with a Price/Forward Earnings ratio of 8.37.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of CIVB indicates a rather cheap valuation: CIVB is cheaper than 83.73% of the companies listed in the same industry.
  • CIVB is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.84, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 7.95
Fwd PE 8.37
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

  • 72.97% of the companies in the same industry are more expensive than CIVB, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 9.01
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)1.14
EPS Next 2Y1.92%
EPS Next 3YN/A

More info and screens

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

7

5. CIVB Dividend Analysis

5.1 Amount

  • CIVB has a Yearly Dividend Yield of 3.15%. Purely for dividend investing, there may be better candidates out there.
  • CIVB's Dividend Yield is comparable with the industry average which is at 2.87.
  • CIVB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 3.15%

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 their dividend for at least 10 years, which is a reliable track record.
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 2Y1.92%
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

More info and screens

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CIVB Fundamentals: All Metrics, Ratios and Statistics

CIVISTA BANCSHARES INC

NASDAQ:CIVB (3/13/2026, 8:16:30 PM)

After market: 22.25 0 (0%)

22.25

+0.12 (+0.54%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-29
Earnings (Next)04-22
Inst Owners62.22%
Inst Owner Change0.45%
Ins Owners1.23%
Ins Owner Change0.02%
Market Cap461.69M
Revenue(TTM)172.55M
Net Income(TTM)43.47M
Analysts76.67
Price Target27.71 (24.54%)
Short Float %1.17%
Short Ratio2.42
Dividend
Industry RankSector Rank
Dividend Yield 3.15%
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)0.62%
PT rev (3m)10.14%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-5.08%
EPS NY rev (1m)-0.05%
EPS NY rev (3m)-0.77%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.46%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.33%
Valuation
Industry RankSector Rank
PE 7.95
Fwd PE 8.37
P/S 2.77
P/FCF 9.01
P/OCF 8.2
P/B 0.93
P/tB 1.26
EV/EBITDA N/A
EPS(TTM)2.8
EY12.58%
EPS(NY)2.66
Fwd EY11.95%
FCF(TTM)2.47
FCFY11.1%
OCF(TTM)2.71
OCFY12.19%
SpS8.03
BVpS24.05
TBVpS17.67
PEG (NY)N/A
PEG (5Y)1.14
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
WACC13.67%
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-5.04%
EPS Next 2Y1.92%
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 Fundamental Analysis 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 6 / 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 -5.04% in the next year.