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CIVISTA BANCSHARES INC (CIVB) Stock Fundamental Analysis

NASDAQ:CIVB - Nasdaq - US1788671071 - Common Stock - Currency: USD

22.06  -0.76 (-3.33%)

After market: 22.06 0 (0%)

Fundamental Rating

4

Overall CIVB gets a fundamental rating of 4 out of 10. We evaluated CIVB against 396 industry peers in the Banks industry. Both the profitability and financial health of CIVB have multiple concerns. CIVB may be a bit undervalued, certainly considering the very reasonable score on growth CIVB also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

CIVB had positive earnings in the past year.
CIVB had a positive operating cash flow in the past year.
Each year in the past 5 years CIVB has been profitable.
In the past 5 years CIVB always reported a positive cash flow from operatings.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M

1.2 Ratios

CIVB has a better Return On Assets (0.99%) than 64.39% of its industry peers.
The Return On Equity of CIVB (10.35%) is better than 70.20% of its industry peers.
Industry RankSector Rank
ROA 0.99%
ROE 10.35%
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
CIVB Yearly ROA, ROE, ROICCIVB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

Looking at the Profit Margin, with a value of 21.09%, CIVB is doing worse than 60.86% of the companies in the same industry.
In the last couple of years the Profit Margin of CIVB has declined.
CIVB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 21.09%
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
CIVB Yearly Profit, Operating, Gross MarginsCIVB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

2. Health

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 reduced compared to 1 year ago.
Compared to 5 years ago, CIVB has less shares outstanding
Compared to 1 year ago, CIVB has an improved debt to assets ratio.
CIVB Yearly Shares OutstandingCIVB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
CIVB Yearly Total Debt VS Total AssetsCIVB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

2.2 Solvency

CIVB has a debt to FCF ratio of 2.35. This is a good value and a sign of high solvency as CIVB would need 2.35 years to pay back of all of its debts.
CIVB has a Debt to FCF ratio of 2.35. This is comparable to the rest of the industry: CIVB outperforms 42.42% of its industry peers.
CIVB has a Debt/Equity ratio of 0.28. This is a healthy value indicating a solid balance between debt and equity.
CIVB's Debt to Equity ratio of 0.28 is on the low side compared to the rest of the industry. CIVB is outperformed by 68.69% of its industry peers.
Even though the debt/equity ratio score it not favorable for CIVB, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.28
Debt/FCF 2.35
Altman-Z N/A
ROIC/WACCN/A
WACC14.96%
CIVB Yearly LT Debt VS Equity VS FCFCIVB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

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5

3. Growth

3.1 Past

The earnings per share for CIVB have decreased by -2.58% in the last 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 strong growth in Revenue. In the last year, the Revenue has grown by 25.16%.
CIVB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.52% yearly.
EPS 1Y (TTM)-2.58%
EPS 3Y-9.77%
EPS 5Y0.1%
EPS Q2Q%60.98%
Revenue 1Y (TTM)25.16%
Revenue growth 3Y6.77%
Revenue growth 5Y7.52%
Sales Q2Q%5.59%

3.2 Future

Based on estimates for the next years, CIVB will show a very strong growth in Earnings Per Share. The EPS will grow by 22.19% on average per year.
Based on estimates for the next years, CIVB will show a small growth in Revenue. The Revenue will grow by 7.94% on average per year.
EPS Next Y43.09%
EPS Next 2Y22.19%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.56%
Revenue Next 2Y7.94%
Revenue Next 3YN/A
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 stable: in the next years the growth will be about the same than in the last years.
CIVB Yearly Revenue VS EstimatesCIVB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M
CIVB Yearly EPS VS EstimatesCIVB Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

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8

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 9.72, the valuation of CIVB can be described as reasonable.
Based on the Price/Earnings ratio, CIVB is valued a bit cheaper than 75.76% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.31, CIVB is valued rather cheaply.
The Price/Forward Earnings ratio is 7.31, which indicates a rather cheap valuation of CIVB.
83.59% of the companies in the same industry are more expensive than CIVB, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 22.13. CIVB is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.72
Fwd PE 7.31
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 rather cheap valuation: CIVB is cheaper than 81.06% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 7.3
EV/EBITDA N/A
CIVB Per share dataCIVB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

CIVB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as CIVB's earnings are expected to grow with 22.19% in the coming years.
PEG (NY)0.23
PEG (5Y)97.86
EPS Next 2Y22.19%
EPS Next 3YN/A

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7

5. Dividend

5.1 Amount

CIVB has a Yearly Dividend Yield of 3.13%.
CIVB's Dividend Yield is comparable with the industry average which is at 3.51.
Compared to an average S&P500 Dividend Yield of 2.39, CIVB pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.13%

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 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

24.76% 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.
DP24.76%
EPS Next 2Y22.19%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
CIVB Dividend Payout.CIVB Dividend Payout, showing the Payout Ratio.CIVB Dividend Payout.PayoutRetained Earnings

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CIVISTA BANCSHARES INC

NASDAQ:CIVB (6/13/2025, 8:00:00 PM)

After market: 22.06 0 (0%)

22.06

-0.76 (-3.33%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24/bmo
Earnings (Next)07-28 2025-07-28/bmo
Inst Owners55.51%
Inst Owner Change1.23%
Ins Owners1.41%
Ins Owner Change6.59%
Market Cap342.37M
Analysts80
Price Target26.18 (18.68%)
Short Float %1.23%
Short Ratio4.42
Dividend
Industry RankSector Rank
Dividend Yield 3.13%
Yearly Dividend0.65
Dividend Growth(5Y)7.71%
DP24.76%
Div Incr Years13
Div Non Decr Years13
Ex-Date04-29 2025-04-29 (0.17)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)20.67%
Min EPS beat(2)15.7%
Max EPS beat(2)25.64%
EPS beat(4)4
Avg EPS beat(4)18.44%
Min EPS beat(4)13.51%
Max EPS beat(4)25.64%
EPS beat(8)6
Avg EPS beat(8)7.62%
EPS beat(12)9
Avg EPS beat(12)7.54%
EPS beat(16)12
Avg EPS beat(16)7.35%
Revenue beat(2)0
Avg Revenue beat(2)-5.76%
Min Revenue beat(2)-6.13%
Max Revenue beat(2)-5.4%
Revenue beat(4)2
Avg Revenue beat(4)-2.33%
Min Revenue beat(4)-6.13%
Max Revenue beat(4)1.28%
Revenue beat(8)2
Avg Revenue beat(8)-4.39%
Revenue beat(12)4
Avg Revenue beat(12)-2.85%
Revenue beat(16)4
Avg Revenue beat(16)-3.09%
PT rev (1m)5.84%
PT rev (3m)3.01%
EPS NQ rev (1m)0%
EPS NQ rev (3m)23.66%
EPS NY rev (1m)20.23%
EPS NY rev (3m)21%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.61%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.67%
Valuation
Industry RankSector Rank
PE 9.72
Fwd PE 7.31
P/S 1.75
P/FCF 7.3
P/OCF 6.7
P/B 0.86
P/tB 1.29
EV/EBITDA N/A
EPS(TTM)2.27
EY10.29%
EPS(NY)3.02
Fwd EY13.67%
FCF(TTM)3.02
FCFY13.69%
OCF(TTM)3.29
OCFY14.93%
SpS12.57
BVpS25.61
TBVpS17.04
PEG (NY)0.23
PEG (5Y)97.86
Profitability
Industry RankSector Rank
ROA 0.99%
ROE 10.35%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.09%
GM N/A
FCFM 24.03%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score8
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.28
Debt/FCF 2.35
Debt/EBITDA N/A
Cap/Depr 38.3%
Cap/Sales 2.17%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 113.97%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC14.96%
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)-2.58%
EPS 3Y-9.77%
EPS 5Y0.1%
EPS Q2Q%60.98%
EPS Next Y43.09%
EPS Next 2Y22.19%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)25.16%
Revenue growth 3Y6.77%
Revenue growth 5Y7.52%
Sales Q2Q%5.59%
Revenue Next Year10.56%
Revenue Next 2Y7.94%
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 1Y66.01%
FCF growth 3Y4.3%
FCF growth 5Y4.36%
OCF growth 1Y42.52%
OCF growth 3Y5.78%
OCF growth 5Y4.45%