Financial Services -
Banks - Regional - NASDAQ - US
$ 21.86
-0.455 %
$ 339 M
Market Cap
9.67
P/E
1. INTRINSIC VALUE
Balance Sheet
Civista Bancshares, Inc.
| Current Assets | 389 M |
| Cash & Short-Term Investments | 330 M |
| Receivables | 59 M |
| Other Current Assets | 0 |
| Non-Current Assets | 3.71 B |
| Long-Term Investments | 3.42 B |
| PP&E | 47.2 M |
| Other Non-Current Assets | 245 M |
| Current Liabilities | 3.55 B |
| Accounts Payable | 0 |
| Short-Term Debt | 339 M |
| Other Current Liabilities | 3.21 B |
| Non-Current Liabilities | 159 M |
| Long-Term Debt | 112 M |
| Other Non-Current Liabilities | 47.2 M |
EFFICIENCY
Earnings Waterfall
Civista Bancshares, Inc.
| Revenue | 242 M |
| Cost Of Revenue | 95.3 M |
| Gross Profit | 147 M |
| Operating Expenses | 110 M |
| Operating Income | 36.6 M |
| Other Expenses | 4.89 M |
| Net Income | 31.7 M |
RATIOS
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis
Civista Bancshares, Inc.
| Net Income | 31.7 M |
| Depreciation & Amortization | 11 M |
| Capital Expenditures | -4.19 M |
| Stock-Based Compensation | 871 K |
| Change in Working Capital | 3.04 M |
| Others | 7.16 M |
| Free Cash Flow | 44.1 M |
Wall Street Analysts Price Targets
Civista Bancshares, Inc.
Wall Street analysts predict an average 1-year price target for CIVB of $24.6 , with forecasts ranging from
a
low of
$21 to a high of $27 .
CIVB Lowest Price Target
Wall Street Target
21 USD
-3.93%
CIVB Average Price Target
Wall Street Target
24.6 USD
12.53%
CIVB Highest Price Target
Wall Street Target
27 USD
23.51%
4. DIVIDEND
ANALYSIS
0.87%
DIVIDEND YIELD
0.17 USD
DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership
Civista Bancshares, Inc.
Sold
0-3 MONTHS
137 K USD 1
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
138 K USD 1
0-3 MONTHS
0 USD 0
3-6 MONTHS
37.9 K USD 2
6-9 MONTHS
31.2 K USD 1
9-12 MONTHS
7. News
Civista Bancshares (CIVB) Could Be a Great Choice
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Civista Bancshares (CIVB) have what it takes?
zacks.com
- 1 week ago
Are You Looking for a High-Growth Dividend Stock?
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Civista Bancshares (CIVB) have what it takes?
zacks.com
- 4 weeks ago
Why Civista Bancshares (CIVB) is a Great Dividend Stock Right Now
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Civista Bancshares (CIVB) have what it takes?
zacks.com
- 1 month ago
Civista Bancshares: Downgrading To Hold And Reducing The EPS Estimate As Tariffs Likely To Bite In Multiple Ways
As CIVB is based in Ohio, relations with Canada will play a key role in driving loan growth. Loan growth will likely decline further after the recent slowdown. Margin growth will likely continue because of anticipated rate cuts, but the rate of growth will slow down because of upcoming CD maturities. I'm raising the provision expense and non-interest expense estimates because of the tariffs.
seekingalpha.com
- 1 month ago
Best Momentum Stock to Buy for April 30th
SPOT, SONY and CIVB made it to the Zacks Rank #1 (Strong Buy) momentum stocks list on April 30, 2025.
zacks.com
- 1 month ago
New Strong Buy Stocks for April 30th
DB, SPOT, SONY, CIVB and TAK have been added to the Zacks Rank #1 (Strong Buy) List on April 30, 2025.
zacks.com
- 1 month ago
Civista Bancshares (CIVB) Could Be a Great Choice
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Civista Bancshares (CIVB) have what it takes?
zacks.com
- 1 month ago
Civista Bancshares, Inc. (CIVB) Q1 2025 Earnings Call Transcript
Civista Bancshares, Inc. (NASDAQ:CIVB ) Q1 2025 Earnings Conference Call April 24, 2025 1:00 PM ET Company Participants Dennis Shaffer - President & Chief Executive Officer Rich Dutton - Senior Vice President & Chief Operating Officer Ian Whinnem - Senior Vice President & Chief Financial Officer Conference Call Participants Justin Crowley - Piper Sandler Brendan Nosal - Hovde Group Terry McEvoy - Stephens Manuel Navas - D.A. Davidson Emily Lee - KBW Operator Before we begin, I would like to remind you that, this conference call may contain forward-looking statement with respect to the future performance and financial condition of Civista Bancshares Inc. that involve risk and uncertainties.
seekingalpha.com
- 2 months ago
Compared to Estimates, Civista Bancshares (CIVB) Q1 Earnings: A Look at Key Metrics
While the top- and bottom-line numbers for Civista Bancshares (CIVB) give a sense of how the business performed in the quarter ended March 2025, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.
zacks.com
- 2 months ago
Civista Bancshares (CIVB) Q1 Earnings and Revenues Top Estimates
Civista Bancshares (CIVB) came out with quarterly earnings of $0.66 per share, beating the Zacks Consensus Estimate of $0.50 per share. This compares to earnings of $0.41 per share a year ago.
zacks.com
- 2 months ago
Civista Bancshares, Inc. Announces First-Quarter 2025 Financial Results of $0.66 per Common Share, up $0.25 per Common Share from First-Quarter 2024
SANDUSKY, Ohio , April 24, 2025 /PRNewswire/ -- Civista Bancshares, Inc. (NASDAQ:CIVB) ("Civista") today reported net income of $10.2 million, or $0.66 per common share, for the quarter ended March 31, 2025. Net income reflects a 59%, or $3.8 million increase of net income compared to net income of $6.4 million for the first-quarter of 2024.
prnewswire.com
- 2 months ago
CIVISTA BANCSHARES, INC. DECLARES SECOND QUARTER COMMON DIVIDEND
SANDUSKY, Ohio , April 16, 2025 /PRNewswire/ -- Civista Bancshares, Inc. (NASDAQ: CIVB) ("Civista") announced today that the Board of Directors has approved a quarterly dividend of 17 cents per common share, equivalent from the prior quarter, to shareholders of record date April 29, 2025, payable May 13, 2025. This dividend represents a payout of approximately $2.7 million.
prnewswire.com
- 2 months ago
8. Profile
Summary
Civista Bancshares, Inc. CIVB
COUNTRY
US
INDUSTRY
Banks - Regional
MARKET CAP
$ 339 M
Dividend Yield
0.87%
Description
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.
Contact
100 East Water Street, Sandusky, OH, 44870-2514
https://www.civb.com
IPO
Date
April 6, 1994
Employees
520
Officers
Ms. Donna M. Waltz-Jaskolski
Senior Vice President & Customer Experience Officer
Mr. Russel J. Edwards Jr.
Senior Vice President & Chief Retail Officer
Mr. Harry Singer
Independent Director
Mr. Carl A. Kessler III
Senior Vice President & Chief Information Officer
Mr. Charles A. Parcher
Executive Vice President, Chief Lending Officer & Director
Mr. Richard J. Dutton
Senior Vice President & Chief Operating Officer
Mr. Ian Whinnem
Interim Principal Accounting Officer, Senior Vice President & Chief Financial Officer
Mr. Robert L. Curry Jr.
Senior Vice President & Chief Risk Officer
Mr. Lance A. Morrison
Senior Vice President, General Counsel & Corporate Secretary
Mr. Dennis G. Shaffer
President, Chief Executive Officer & Vice Chairman