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Financial Services - Banks - Regional - NASDAQ - US
$ 22.79
-2.62 %
$ 353 M
Market Cap
11.11
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on May, 7, 2025.

The intrinsic value of one CIVB stock under the worst case scenario is HIDDEN Compared to the current market price of 22.8 USD, Civista Bancshares, Inc. is HIDDEN

This DCF valuation model was last updated on May, 7, 2025.

The intrinsic value of one CIVB stock under the base case scenario is HIDDEN Compared to the current market price of 22.8 USD, Civista Bancshares, Inc. is HIDDEN

This DCF valuation model was last updated on May, 7, 2025.

The intrinsic value of one CIVB stock under the best case scenario is HIDDEN Compared to the current market price of 22.8 USD, Civista Bancshares, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart CIVB

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$23.0$23.0$22.5$22.5$22.0$22.0$21.5$21.5$21.0$21.0$20.5$20.5$20.0$20.0$19.5$19.5$19.0$19.0$18.5$18.5$18.0$18.015 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '25
FINANCIALS
152 M REVENUE
-3.99%
36.6 M OPERATING INCOME
0.00%
31.7 M NET INCOME
-26.26%
48.2 M OPERATING CASH FLOW
-23.05%
-259 M INVESTING CASH FLOW
16.99%
213 M FINANCING CASH FLOW
-19.85%
61.6 M REVENUE
55.15%
11.9 M OPERATING INCOME
4.94%
18.8 M NET INCOME
0.00%
22.6 M OPERATING CASH FLOW
75.29%
-71.7 M INVESTING CASH FLOW
-211.08%
37.6 M FINANCING CASH FLOW
29.40%
Balance Sheet Civista Bancshares, Inc.
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Current Assets 78.1 M
Cash & Short-Term Investments 330 M
Receivables 59 M
Other Current Assets -311 M
Non-Current Assets 814 M
Long-Term Investments 681 M
PP&E 0
Other Non-Current Assets 133 M
36.98 %6.61 %76.30 %14.95 %Total Assets$892.3m
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
75.19 %24.81 %Total Liabilities$450.9m
EFFICIENCY
Earnings Waterfall Civista Bancshares, Inc.
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Revenue 152 M
Cost Of Revenue 0
Gross Profit 152 M
Operating Expenses 152 M
Operating Income 36.6 M
Other Expenses 4.89 M
Net Income 31.7 M
160m160m140m140m120m120m100m100m80m80m60m60m40m40m20m20m00152m0152m(152m)37m(5m)32mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
24.08% OPERATING MARGIN
24.08%
20.86% NET MARGIN
20.86%
8.16% ROE
8.16%
0.77% ROA
0.77%
3.55% ROIC
3.55%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Civista Bancshares, Inc.
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60m60m50m50m40m40m30m30m20m20m10m10m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 31.7 M
Depreciation & Amortization 11 M
Capital Expenditures -4.19 M
Stock-Based Compensation 871 K
Change in Working Capital 0
Others 10.2 M
Free Cash Flow 44.1 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Civista Bancshares, Inc.
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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 -7.85%
CIVB Average Price Target Wall Street Target
24.6 USD 7.94%
CIVB Highest Price Target Wall Street Target
27 USD 18.47%
Price
Max Price Target
Min Price Target
Average Price Target
282826262424222220201818161614141212Jun '24Jun '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
0.87% DIVIDEND YIELD
0.17 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.700.700.600.600.500.500.400.400.300.300.200.200.100.100.000.000.050.050.060.070.090.110.120.140.140.160.170.050.050.060.070.110.110.120.140.150.160.170.050.060.060.090.110.110.140.140.160.160.050.200.060.220.070.250.090.320.110.420.110.440.140.520.140.560.160.610.160.640.342015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 11
6. Ownership
Insider Ownership Civista Bancshares, Inc.
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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
22.3 K USD 1
3-6 MONTHS
15.6 K USD 1
6-9 MONTHS
81.2 K USD 2
9-12 MONTHS
7. News
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 - 2 weeks 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 - 2 weeks 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 - 2 weeks 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 - 3 weeks 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 - 3 weeks 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 - 3 weeks 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 - 3 weeks 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 - 3 weeks 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 - 1 month 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 - 1 month 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 - 1 month 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
8. Profile Summary

Civista Bancshares, Inc. CIVB

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 353 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 Mr. Ian Whinnem Interim Principal Accounting Officer, Senior Vice President & Chief Financial Officer Mr. Charles A. Parcher Executive Vice President, Chief Lending Officer & Director Mr. Richard J. Dutton Senior Vice President & Chief Operating Officer Mr. Carl A. Kessler III Senior Vice President & Chief Information Officer Mr. Harry Singer Independent Director Ms. Donna M. Waltz-Jaskolski Senior Vice President & Customer Experience Officer Mr. Robert L. Curry Jr. Senior Vice President & Chief Risk Officer Mr. Russel J. Edwards Jr. Senior Vice President & Chief Retail Officer Mr. Lance A. Morrison Senior Vice President, General Counsel & Corporate Secretary Mr. Dennis G. Shaffer President, Chief Executive Officer & Vice Chairman