Financial Services -
Banks - Regional - NASDAQ - US
$ 20.485
0.352 %
$ 322 M
Market Cap
9.92
P/E
1. INTRINSIC VALUE
Balance Sheet
Civista Bancshares, Inc.
| Current Assets | 8.88 M |
| Cash & Short-Term Investments | 8.88 M |
| Receivables | 59 M |
| Other Current Assets | -59 M |
| Non-Current Assets | 814 M |
| Long-Term Investments | 681 M |
| PP&E | 0 |
| Other Non-Current Assets | 133 M |
| Current Liabilities | 339 M |
| Accounts Payable | 0 |
| Short-Term Debt | 339 M |
| Other Current Liabilities | 0 |
| Non-Current Liabilities | 112 M |
| Long-Term Debt | 112 M |
| Other Non-Current Liabilities | 0 |
EFFICIENCY
Earnings Waterfall
Civista Bancshares, Inc.
| Revenue | 152 M |
| Cost Of Revenue | 0 |
| Gross Profit | 152 M |
| Operating Expenses | 152 M |
| Operating Income | -138 M |
| Other Expenses | -169 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 | 10.5 M |
| Capital Expenditures | 0 |
| Stock-Based Compensation | 871 K |
| Change in Working Capital | 0 |
| Others | 10.7 M |
| Free Cash Flow | 48.2 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
2.51%
CIVB Average Price Target
Wall Street Target
24.6 USD
20.09%
CIVB Highest Price Target
Wall Street Target
27 USD
31.80%
4. DIVIDEND
ANALYSIS
0.78%
DIVIDEND YIELD
0.17 USD
DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership
Civista Bancshares, Inc.
Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
37.9 K USD 2
3-6 MONTHS
31.2 K USD 1
6-9 MONTHS
64 K USD 2
9-12 MONTHS
7. News
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 weeks ago
Should Value Investors Buy Civista Bancshares (CIVB) Stock?
Here at Zacks, our focus is on the proven Zacks Rank system, which emphasizes earnings estimates and estimate revisions to find great stocks. Nevertheless, we are always paying attention to the latest value, growth, and momentum trends to underscore strong picks.
zacks.com
- 2 weeks 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
- 3 weeks ago
Civista Bancshares, Inc. Announces First Quarter 2025 Earnings Release Date
SANDUSKY, Ohio , April 2, 2025 /PRNewswire/ -- Civista Bancshares, Inc. (NASDAQ: CIVB) ("Civista") announced today that it will issue its first quarter 2025 financial results prior to market open on Thursday, April 24, 2025. Civista Bancshares, Inc. will also host a conference call and webcast at 1:00 p.m.
prnewswire.com
- 1 month 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 (CIVB) is a Top Dividend Stock Right Now: Should You Buy?
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
- 2 months ago
This is Why Civista Bancshares (CIVB) is a Great 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
- 2 months ago
16 Upcoming Dividend Increases
Sixteen companies are boosting their dividends, with an average increase of 8.2%, signaling financial health and stability, particularly among regional banks. My investment strategy focuses on companies with consistently rising dividends and outperforming benchmarks, aiming for long-term wealth accumulation. I use data from the "U.S. Dividend Champions" spreadsheet and NASDAQ to identify companies with at least five years of dividend growth.
seekingalpha.com
- 3 months ago
Civista Bancshares, Inc. (CIVB) Q4 2024 Earnings Call Transcript
Civista Bancshares, Inc. (NASDAQ:CIVB ) Q4 2024 Earnings Conference Call January 30, 2025 1:00 PM ET Company Participants Dennis Shaffer - President & Chief Executive Officer Ian Whinnem - Senior Vice President & Chief Financial Officer Richard Dutton - Senior Vice President & Chief Operating Officer Mike Mulford - Chief Credit Officer Conference Call Participants Brendan Nosal - Hovde Group Justin Crowley - Piper Sandler Tim Switzer - KBW Terry McEvoy - Stephens Manuel Navas - D.A. Davidson Operator Good afternoon ladies and gentlemen and welcome to the Civista Bancshares, Inc. Fourth Quarter 2024 Earnings Conference Call.
seekingalpha.com
- 3 months ago
Civista Bancshares: Mixed Performance Justifies Waiting
Civista Bancshares, Inc. reported strong Q4 results with $40.4 million in revenue and net income of $9.9 million, beating estimates by $0.10 per share. Loans and deposits grew significantly, with total loan balances up 7.7% and deposits rising 7.6% year-over-year, driven by commercial real estate and home construction loans. Despite a slight decline in net interest margin and return metrics, the bank's asset quality improved, with lower loan loss provisions and increased allowances for credit losses.
seekingalpha.com
- 3 months ago
Civista Bancshares (CIVB) Reports Q4 Earnings: What Key Metrics Have to Say
While the top- and bottom-line numbers for Civista Bancshares (CIVB) give a sense of how the business performed in the quarter ended December 2024, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.
zacks.com
- 3 months ago
Civista Bancshares (CIVB) Surpasses Q4 Earnings and Revenue Estimates
Civista Bancshares (CIVB) came out with quarterly earnings of $0.63 per share, beating the Zacks Consensus Estimate of $0.53 per share. This compares to earnings of $0.62 per share a year ago.
zacks.com
- 3 months ago
8. Profile
Summary
Civista Bancshares, Inc. CIVB
COUNTRY
US
INDUSTRY
Banks - Regional
MARKET CAP
$ 322 M
Dividend Yield
0.78%
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
527
Officers
Mr. Russel J. Edwards Jr.
Senior Vice President & Chief Retail 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. Richard J. Dutton
Senior Vice President & Chief Operating Officer
Mr. Harry Singer
Independent Director
Mr. Charles A. Parcher
Executive Vice President, Chief Lending Officer & Director
Mr. Carl A. Kessler III
Senior Vice President & Chief Information Officer
Ms. Donna M. Waltz-Jaskolski
Senior Vice President & Customer Experience Officer
Mr. Lance A. Morrison
Senior Vice President, General Counsel & Corporate Secretary
Mr. Dennis G. Shaffer
President, Chief Executive Officer & Vice Chairman