22.64 USD
+0.35 (+1.57%)
Taking everything into account, CIVB scores 4 out of 10 in our fundamental rating. CIVB was compared to 387 industry peers in the Banks industry. CIVB may be in some trouble as it scores bad on both profitability and health. CIVB has a correct valuation and a medium growth rate. CIVB also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year CIVB was profitable.
CIVB had a positive operating cash flow in the past year.
In the past 5 years CIVB has always been profitable.
Each year in the past 5 years CIVB had a positive operating cash flow.
1.2 Ratios
CIVB's Return On Assets of 1.06% is fine compared to the rest of the industry. CIVB outperforms 66.41% of its industry peers.
CIVB's Return On Equity of 8.71% is in line compared to the rest of the industry. CIVB outperforms 50.39% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.06% | ||
| ROE | 8.71% | ||
| ROIC | N/A |
ROA(3y)0.98%
ROA(5y)1.09%
ROE(3y)10.24%
ROE(5y)10.25%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a decent Profit Margin value of 26.10%, CIVB is doing good in the industry, outperforming 61.76% of the companies in the same industry.
CIVB's Profit Margin has declined in the last couple of years.
CIVB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 26.1% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-14.24%
PM growth 5Y-8.2%
GM growth 3YN/A
GM growth 5YN/A
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 less shares outstanding
The number of shares outstanding for CIVB has been reduced compared to 5 years ago.
The debt/assets ratio for CIVB has been reduced compared to a year ago.
2.2 Solvency
CIVB has a debt to FCF ratio of 2.12. This is a good value and a sign of high solvency as CIVB would need 2.12 years to pay back of all of its debts.
CIVB has a Debt to FCF ratio (2.12) which 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.
CIVB's Debt to Equity ratio of 0.22 is in line compared to the rest of the industry. CIVB outperforms 40.05% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 2.12 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.59%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 33.33% over the past year.
Measured over the past 5 years, CIVB shows a small growth in Earnings Per Share. The EPS has been growing by 0.10% on average per year.
CIVB shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -12.25%.
CIVB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.52% yearly.
EPS 1Y (TTM)33.33%
EPS 3Y-9.77%
EPS 5Y0.1%
EPS Q2Q%28.3%
Revenue 1Y (TTM)-12.25%
Revenue growth 3Y6.77%
Revenue growth 5Y7.52%
Sales Q2Q%8.25%
3.2 Future
The Earnings Per Share is expected to grow by 12.90% on average over the next years. This is quite good.
Based on estimates for the next years, CIVB will show a quite strong growth in Revenue. The Revenue will grow by 9.34% on average per year.
EPS Next Y32.8%
EPS Next 2Y14.51%
EPS Next 3Y12.9%
EPS Next 5YN/A
Revenue Next Year11.15%
Revenue Next 2Y10.99%
Revenue Next 3Y9.34%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
CIVB is valuated reasonably with a Price/Earnings ratio of 8.45.
Based on the Price/Earnings ratio, CIVB is valued cheaper than 91.73% of the companies in the same industry.
CIVB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.65.
A Price/Forward Earnings ratio of 8.55 indicates a reasonable valuation of CIVB.
Based on the Price/Forward Earnings ratio, CIVB is valued a bit cheaper than 75.45% of the companies in the same industry.
CIVB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.45.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.45 | ||
| Fwd PE | 8.55 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CIVB is valued a bit cheaper than the industry average as 71.06% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.17 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
CIVB's earnings are expected to grow with 12.90% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.26
PEG (5Y)85.07
EPS Next 2Y14.51%
EPS Next 3Y12.9%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.17%, CIVB has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.33, CIVB has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, CIVB pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.17% |
5.2 History
On average, the dividend of CIVB grows each year by 7.71%, which is quite nice.
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
5.3 Sustainability
25.47% of the earnings are spent on dividend by CIVB. This is a low number and sustainable payout ratio.
CIVB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP25.47%
EPS Next 2Y14.51%
EPS Next 3Y12.9%
NASDAQ:CIVB (11/25/2025, 12:17:59 PM)
22.64
+0.35 (+1.57%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners47.45%
Inst Owner Change43.82%
Ins Owners1.31%
Ins Owner Change3.76%
Market Cap469.78M
Revenue(TTM)166.58M
Net Income(TTM)43.47M
Analysts78.33
Price Target25.16 (11.13%)
Short Float %1.48%
Short Ratio2.74
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.17% |
Yearly Dividend0.65
Dividend Growth(5Y)7.71%
DP25.47%
Div Incr Years13
Div Non Decr Years13
Ex-Date
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)-1.33%
PT rev (3m)-1.99%
EPS NQ rev (1m)15.02%
EPS NQ rev (3m)10.23%
EPS NY rev (1m)6.62%
EPS NY rev (3m)-7.12%
Revenue NQ rev (1m)1.85%
Revenue NQ rev (3m)1.85%
Revenue NY rev (1m)0.65%
Revenue NY rev (3m)0.64%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.45 | ||
| Fwd PE | 8.55 | ||
| P/S | 2.82 | ||
| P/FCF | 9.17 | ||
| P/OCF | 8.35 | ||
| P/B | 0.94 | ||
| P/tB | 1.28 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.68
EY11.84%
EPS(NY)2.65
Fwd EY11.7%
FCF(TTM)2.47
FCFY10.91%
OCF(TTM)2.71
OCFY11.98%
SpS8.03
BVpS24.05
TBVpS17.67
PEG (NY)0.26
PEG (5Y)85.07
Graham Number38.08
Profitability
| Industry Rank | Sector 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)0.98%
ROA(5y)1.09%
ROE(3y)10.24%
ROE(5y)10.25%
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-14.24%
PM growth 5Y-8.2%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 2.12 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 45.6% | ||
| 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
WACC13.59%
ROIC/WACCN/A
Cap/Depr(3y)59.59%
Cap/Depr(5y)61.67%
Cap/Sales(3y)3.16%
Cap/Sales(5y)2.54%
Profit Quality(3y)111.1%
Profit Quality(5y)105%
High Growth Momentum
Growth
EPS 1Y (TTM)33.33%
EPS 3Y-9.77%
EPS 5Y0.1%
EPS Q2Q%28.3%
EPS Next Y32.8%
EPS Next 2Y14.51%
EPS Next 3Y12.9%
EPS Next 5YN/A
Revenue 1Y (TTM)-12.25%
Revenue growth 3Y6.77%
Revenue growth 5Y7.52%
Sales Q2Q%8.25%
Revenue Next Year11.15%
Revenue Next 2Y10.99%
Revenue Next 3Y9.34%
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 1Y-3.1%
FCF growth 3Y4.3%
FCF growth 5Y4.36%
OCF growth 1Y-3.54%
OCF growth 3Y5.78%
OCF growth 5Y4.45%
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 of CIVISTA BANCSHARES INC (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 PE and PB ratios for CIVB stock?
The Price/Earnings (PE) ratio for CIVISTA BANCSHARES INC (CIVB) is 8.45 and the Price/Book (PB) ratio is 0.94.
Can you provide the expected EPS growth for CIVB stock?
The Earnings per Share (EPS) of CIVISTA BANCSHARES INC (CIVB) is expected to grow by 32.8% in the next year.