CIVB - NASDAQ
Civista Bancshares, Inc.
$25.21
-2.4%Civista Bancshares, Inc. operates as the financial holding company for Civista Bank that provides community banking services. It collects a range of customer deposits; and offers commercial and agriculture, commercial and residential real estate, farm real estate, real estate construction, consumer, and other loans, as well as letters of credit. The company also purchases securities; and provides trust and third-party insurance services. It operates approximately 42 locations in Northern, Central, Southwestern, and Northwestern Ohio, as well as Southeastern Indiana and Northern Kentucky. The company was formerly known as First Citizens Banc Corp and changed its name to Civista Bancshares, Inc. in May 2015. Civista Bancshares, Inc. was founded in 1884 and is headquartered in Sandusky, Ohio.
At a Glance
Live SnapshotCivista Bancshares, Inc. Fair Value Envelope
Owner Earnings Valuation Tool
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DCF Valuation Summary
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Owner Earnings Projections
Operating Cash Flow - Maintenance CapEx = Owner Earnings
| Metric | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Year 6 | Year 7 | Year 8 | Year 9 | Year 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $45.4M | $45.5M | $45.5M | $45.6M | $45.7M | $45.8M | $45.9M | $46.0M | $46.1M | $46.1M |
| Maintenance CapEx | -$232.0K | -$232.5K | -$232.9K | -$233.3K | -$233.7K | -$234.2K | -$234.6K | -$235.0K | -$235.5K | -$235.9K |
| Owner Earnings | $45.2M | $45.2M | $45.3M | $45.4M | $45.5M | $45.6M | $45.7M | $45.7M | $45.8M | $45.9M |
| Discount Factor | 0.926 | 0.857 | 0.794 | 0.735 | 0.681 | 0.630 | 0.583 | 0.540 | 0.500 | 0.463 |
| Present Value | $41.8M | $38.8M | $36.0M | $33.4M | $31.0M | $28.7M | $26.6M | $24.7M | $22.9M | $21.3M |
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