22.69 USD
-0.54 (-2.32%)
22.69 USD
0 (0%)
CIVB gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. CIVB may be in some trouble as it scores bad on both profitability and health. CIVB may be a bit undervalued, certainly considering the very reasonable score on growth 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.
- CIVB had positive earnings in each of the past 5 years.
- Each year in the past 5 years CIVB had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of CIVB (1.06%) is better than 66.58% of its industry peers.
- Looking at the Return On Equity, with a value of 8.71%, CIVB is in line with its industry, outperforming 49.35% of the companies in the same industry.
| 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
- Looking at the Profit Margin, with a value of 26.10%, CIVB is in the better half of the industry, outperforming 61.36% of the companies in the same industry.
- CIVB's Profit Margin has declined in the last couple of years.
- The Operating Margin and Gross Margin are not available for CIVB so they could not be analyzed.
| 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.
- The number of shares outstanding for CIVB has been reduced compared to 1 year ago.
- CIVB has less shares outstanding than it did 5 years ago.
- Compared to 1 year ago, CIVB has an improved debt to assets ratio.
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.
- 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.
- CIVB's Debt to Equity ratio of 0.22 is in line compared to the rest of the industry. CIVB outperforms 40.47% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 2.12 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.63%
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.
- The Revenue for CIVB has decreased by -12.25% in the past year. This is quite bad
- Measured over the past years, CIVB shows a small growth in Revenue. The Revenue has been growing by 7.52% on average per year.
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
- Based on estimates for the next years, CIVB will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.96% on average per year.
- 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 Y30.68%
EPS Next 2Y15.04%
EPS Next 3Y12.96%
EPS Next 5YN/A
Revenue Next Year11.15%
Revenue Next 2Y11.14%
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
- A Price/Earnings ratio of 8.47 indicates a reasonable valuation of CIVB.
- Based on the Price/Earnings ratio, CIVB is valued cheaper than 92.95% of the companies in the same industry.
- When comparing the Price/Earnings ratio of CIVB to the average of the S&P500 Index (27.38), we can say CIVB is valued rather cheaply.
- A Price/Forward Earnings ratio of 8.49 indicates a reasonable valuation of CIVB.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of CIVB indicates a rather cheap valuation: CIVB is cheaper than 84.86% of the companies listed in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.29, CIVB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.47 | ||
| Fwd PE | 8.49 |
4.2 Price Multiples
- 73.63% of the companies in the same industry are more expensive than CIVB, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.19 | ||
| EV/EBITDA | N/A |
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.
- CIVB's earnings are expected to grow with 12.96% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.28
PEG (5Y)85.26
EPS Next 2Y15.04%
EPS Next 3Y12.96%
5. Dividend
5.1 Amount
- CIVB has a Yearly Dividend Yield of 2.93%.
- Compared to an average industry Dividend Yield of 2.86, CIVB has a dividend in line with its industry peers.
- CIVB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.84.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.93% |
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
5.3 Sustainability
- 25.47% of the earnings are spent on dividend by CIVB. This is a low number and sustainable payout ratio.
- The dividend of CIVB is growing, but earnings are growing more, so the dividend growth is sustainable.
DP25.47%
EPS Next 2Y15.04%
EPS Next 3Y12.96%
22.69
-0.54 (-2.32%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-23 2025-10-23/bmo
Earnings (Next)01-29 2026-01-29/bmo
Inst Owners63.43%
Inst Owner Change-0.48%
Ins Owners1.23%
Ins Owner Change0.6%
Market Cap470.82M
Revenue(TTM)166.58M
Net Income(TTM)43.47M
Analysts78.33
Price Target25.5 (12.38%)
Short Float %1.36%
Short Ratio2.76
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.93% |
Yearly Dividend0.65
Dividend Growth(5Y)7.71%
DP25.47%
Div Incr Years13
Div Non Decr Years13
Ex-DateN/A
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)1.35%
PT rev (3m)0%
EPS NQ rev (1m)-6.01%
EPS NQ rev (3m)7.4%
EPS NY rev (1m)-1.6%
EPS NY rev (3m)4.92%
Revenue NQ rev (1m)-0.46%
Revenue NQ rev (3m)1.39%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.65%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.47 | ||
| Fwd PE | 8.49 | ||
| P/S | 2.83 | ||
| P/FCF | 9.19 | ||
| P/OCF | 8.37 | ||
| P/B | 0.94 | ||
| P/tB | 1.28 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.68
EY11.81%
EPS(NY)2.67
Fwd EY11.78%
FCF(TTM)2.47
FCFY10.89%
OCF(TTM)2.71
OCFY11.95%
SpS8.03
BVpS24.05
TBVpS17.67
PEG (NY)0.28
PEG (5Y)85.26
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
WACC13.63%
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 Y30.68%
EPS Next 2Y15.04%
EPS Next 3Y12.96%
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 2Y11.14%
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 5 / 10 to CIVB.
What is the valuation status for CIVB stock?
ChartMill assigns a valuation rating of 7 / 10 to CIVISTA BANCSHARES INC (CIVB). This can be considered as Undervalued.
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 3 / 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 grow by 30.68% in the next year.