23.03 USD
+0.01 (+0.04%)
23.03 USD
0 (0%)
Taking everything into account, CIVB scores 5 out of 10 in our fundamental rating. CIVB was compared to 388 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 Finally CIVB also has an excellent dividend rating.
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.
Each year in the past 5 years CIVB has been profitable.
Each year in the past 5 years CIVB had a positive operating cash flow.
1.2 Ratios
CIVB has a Return On Assets of 1.06%. This is in the better half of the industry: CIVB outperforms 65.98% of its industry peers.
CIVB's Return On Equity of 8.71% is in line compared to the rest of the industry. CIVB outperforms 49.23% 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
The Profit Margin of CIVB (26.10%) is better than 61.08% of its industry peers.
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 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.
The number of shares outstanding for CIVB has been reduced compared to 5 years ago.
CIVB has a better debt/assets ratio than last year.
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's Debt to FCF ratio of 2.12 is in line compared to the rest of the industry. CIVB outperforms 45.88% of its industry peers.
A Debt/Equity ratio of 0.22 indicates that CIVB is not too dependend on debt financing.
CIVB has a worse Debt to Equity ratio (0.22) than 60.05% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 2.12 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.58%
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.
CIVB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.10% yearly.
CIVB shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -12.25%.
The Revenue has been growing slightly by 7.52% on average over the past years.
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
CIVB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.96% yearly.
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 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 8.59 indicates a reasonable valuation of CIVB.
CIVB's Price/Earnings ratio is rather cheap when compared to the industry. CIVB is cheaper than 92.53% of the companies in the same industry.
When comparing the Price/Earnings ratio of CIVB to the average of the S&P500 Index (26.92), we can say CIVB is valued rather cheaply.
CIVB is valuated reasonably with a Price/Forward Earnings ratio of 8.62.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CIVB indicates a rather cheap valuation: CIVB is cheaper than 82.73% of the companies listed 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 23.46.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.59 | ||
| Fwd PE | 8.62 |
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 71.13% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.32 | ||
| 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.
A more expensive valuation may be justified as CIVB's earnings are expected to grow with 12.96% in the coming years.
PEG (NY)0.26
PEG (5Y)86.53
EPS Next 2Y15.04%
EPS Next 3Y12.96%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.95%, CIVB has a reasonable but not impressive dividend return.
CIVB's Dividend Yield is comparable with the industry average which is at 2.74.
CIVB's Dividend Yield is a higher than the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.95% |
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
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%
23.03
+0.01 (+0.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners63.42%
Inst Owner Change43.88%
Ins Owners1.23%
Ins Owner Change3.76%
Market Cap477.87M
Revenue(TTM)166.58M
Net Income(TTM)43.47M
Analysts78.33
Price Target25.5 (10.73%)
Short Float %1.5%
Short Ratio3.07
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.95% |
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)1.35%
PT rev (3m)0%
EPS NQ rev (1m)-0.66%
EPS NQ rev (3m)14.26%
EPS NY rev (1m)0%
EPS NY rev (3m)6.62%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.85%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.65%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.59 | ||
| Fwd PE | 8.62 | ||
| P/S | 2.87 | ||
| P/FCF | 9.32 | ||
| P/OCF | 8.49 | ||
| P/B | 0.96 | ||
| P/tB | 1.3 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.68
EY11.64%
EPS(NY)2.67
Fwd EY11.61%
FCF(TTM)2.47
FCFY10.73%
OCF(TTM)2.71
OCFY11.78%
SpS8.03
BVpS24.05
TBVpS17.67
PEG (NY)0.26
PEG (5Y)86.53
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
WACC13.58%
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 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 of CIVISTA BANCSHARES INC (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 PE and PB ratios for CIVB stock?
The Price/Earnings (PE) ratio for CIVISTA BANCSHARES INC (CIVB) is 8.59 and the Price/Book (PB) ratio is 0.96.
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.