CIVB logo

Civista Bancshares (CIVB)

Profile

Full Name

Civista Bancshares, Inc.

Ticker Symbol

CIVB

Exchange

NASDAQ

Sector

Financial Services

Industry

Banks - Regional

Country

United States

IPO

April 6, 1994

Indexes

Not included

Website

http://www.civb.com

Employees

527

Key Details

Price

$19.49(+3.01%)

Market cap

$301.70M(Small cap)

Last Dividend

$0.17

TTM Dividend yield

3.34%

Annual revenue

$151.91M(-5.20% YoY)

Annual EPS

$2.01(-26.37% YoY)

PE ratio

9.65

Next earnings date

Apr 24, 2025

Next ex-dividend date

N/A

Next split date

N/A

Price

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Current Price

$19.49
CIVB price is $19.49

30-Day Relative Volume

0.82
CIVB 30-day relative volume is 0.82

Price Performance

Price Most recent change

+3.01%
CIVB price was up +3.01% on Apr 15, 2025

Price YTD change

-7.37%
CIVB price is down -7.37% since January 1st

Price 1-year change

+33.86%
CIVB price is up +33.86% year-on-year

Price 3-year change

-13.88%
CIVB price is down -13.88% over the past 3 years

Price Range

Price All-time high

$40.50
CIVB price is currently -51.88% below its historical high of $40.50

Price 3-year low

$13.60
CIVB price is currently +43.31% above its 3-year low

Capitalization

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Market cap

Market cap

$301.70M
CIVB market capitalization is $301.70 million

Market cap 3-year change

-9.46%
CIVB market capitalization is down -9.46% over the past 3 years

Market cap All-time high

$401.67M
CIVB market capitalization is currently -24.89% below its historical high of $401.67 million

Market cap sector rank

40.04%
CIVB market capitalization is higher than 40.04% of companies in Financial Services sector

Shares Outstanding

Shares Outstanding 1-Year Change

-1.57%
CIVB shares outstanding is down -1.57% year-on-year

Shares Outstanding 3-Year Change

+5.13%
CIVB shares outstanding is up +5.13% over the past 3 years

Technical Indicators

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Beta

-
CIVB beta value is unknown

200-day SMA

$19.26
CIVB price is currently +1.22% above its 200-day simple moving average

50-day SMA

$20.05
CIVB price is currently -2.80% below its 50-day simple moving average

RSI

-
CIVB 14-day relative strength index value is unknown

Volume

0.82
CIVB 30-day relative volume is 0.82

ATR

-
CIVB average true range value is unknown

10-day Historical Volatility

-
CIVB 10-day historical volatility value is unknown

Dividend

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Events

Last Paid Dividend

$0.17
CIVB last dividend was $0.17 per share, with an ex-dividend date of February 4, 2025

Next Dividend

-
CIVB next dividend has not yet been announced

Dividend per share

Dividend per share

$0.64
CIVB annual dividend per share is $0.64

Dividend per share Sector Rank

35.13%
CIVB annual dividend per share is higher than 35.13% of companies in Financial Services sector

Dividend per share 1-Year Change

+4.92%
CIVB annual dividend per share is up +4.92% year-on-year

Dividend per share 3-Year Change

+23.08%
CIVB annual dividend per share is up +23.08% over the past 3 years

Dividend yield

Dividend yield

3.28%
CIVB annual dividend yield is 3.28%

Dividend yield Sector Rank

30.72%
CIVB annual dividend yield is higher than 30.72% of companies in Financial Services sector

Other

Payout ratio

31.76%
CIVB annual payout ratio is 31.76%

Dividends paid

$10.06M
CIVB annual dividends paid is $10.06 million

Free cash flow

$44.06M
CIVB annual free cash flow is $44.06 million

Income Statement

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Revenue

Revenue

$151.91M
CIVB annual revenue is $151.91 million

Revenue Analysts estimate

$168.96M
CIVB annual revenue is currently -10.09% lower than the consensus analysts' forecast

Revenue 1-year change

-5.2%
CIVB annual revenue is down -5.2% year-on-year

Revenue Sector rank

52.4%
CIVB annual revenue is higher than 52.4% of companies in Financial Services sector

EPS

EPS

$2.01
CIVB annual earnings per share is $2.01

EPS Analysts estimate

$2.36
CIVB annual earnings per share is currently -14.71% lower than the consensus analysts' forecast

EPS 1-year change

-26.37%
CIVB annual earnings per share is down -26.37% year-on-year

EPS Sector rank

59.39%
CIVB annual earnings per share is higher than 59.39% of companies in Financial Services sector

Profit

Gross profit

-
CIVB annual gross profit value is unknown

Gross margin

-
CIVB annual gross profit margin value is unknown

Operating profit

-
CIVB annual operating income value is unknown

Operating margin

-
CIVB annual operating profit margin value is unknown

Net income

$31.68M
CIVB annual net profit is $31.68 million

Net margin

20.86%
CIVB annual net profit margin is 20.86%

Expenses

Total expenses

-
CIVB annual total expenses value is unknown

Operating expenses

$74.70M
CIVB annual total operating expenses is $74.70 million

Cost of goods sold

-
CIVB annual cost of goods sold value is unknown

Selling, general & administrative expenses

$65.15M
CIVB annual SGA is $65.15 million

Depreciation and amortization

$11.03M
CIVB annual depreciation & amortization is $11.03 million

Interest expense

-
CIVB annual interest expense value is unknown

Income tax

$4.89M
CIVB annual income tax is $4.89 million

EBIT & EBITDA

EBIT

$126.56M
CIVB annual earnings before interest & taxes is $126.56 million

EBITDA

$137.59M
CIVB annual EBITDA is $137.59 million

Balance Sheet

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Assets

Total assets

$4.10B
CIVB annual total assets is $4.10 billion

Non current assets

$3.92B
CIVB annual long term assets is $3.92 billion

Current assets

$111.50M
CIVB annual total current assets is $111.50 million

Cash and cash equivalents

$64.61M
CIVB annual cash & cash equivalents is $64.61 million

Accounts receivable

$13.45M
CIVB annual accounts receivable is $13.45 million

Inventory

-
CIVB annual inventory value is unknown

Liabilities

Total liabilities

$3.71B
CIVB annual total liabilities is $3.71 billion

Long term liabilities

$3.32B
CIVB annual total long term liabilities is $3.32 billion

Current liabilities

$339.00M
CIVB annual total current liabilities is $339.00 million

Accounts payable

-
CIVB annual accounts payable value is unknown

Debt

Total debt

$450.88M
CIVB annual total debt is $450.88 million

Total debt 1-year change

-0.73%
CIVB annual total debt is down -0.73% year-on-year

Long term debt

$111.88M
CIVB annual long term debt is $111.88 million

Short term debt

$339.00M
CIVB annual short term debt is $339.00 million

Equity & Capital

Shareholders equity

$388.50M
CIVB annual stockholders equity is $388.50 million

Book value

$388.50M
CIVB annual book value is $388.50 million

Retained earnings

$205.41M
CIVB annual retained earnings is $205.41 million

Working capital

-$227.50M
CIVB annual working capital is -$227.50 million

Cash Flow Statement

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Cashflow Activities

Cash from operations

$48.25M
CIVB annual cash flow from operations is $48.25 million

Cash from operations 1-year change

-23.05%
CIVB annual cash flow from operations is down -23.05% year-on-year

Cash from investing

-$258.80M
CIVB annual cash flow from investing activities is -$258.80 million

Cash from investing 1-year change

+16.99%
CIVB annual cash flow from investing activities is up +16.99% year-on-year

Cash from financing

$213.30M
CIVB annual cash flow from financing activities is $213.30 million

Cash from financing 1-year change

-19.85%
CIVB annual cash flow from financing activities is down -19.85% year-on-year

CAPEX

CAPEX

$4.19M
CIVB annual capital expenditures is $4.19 million

CAPEX 1-year change

+22.08%
CIVB annual capital expenditures is up +22.08% year-on-year

Free Cash Flow

Free cash flow

$44.06M
CIVB annual free cash flow is $44.06 million

Free cash flow 1-year change

-25.66%
CIVB annual free cash flow is down -25.66% year-on-year

Profitability Ratios

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Margins

Gross margin

-
CIVB annual gross profit margin value is unknown

Operating margin

-
CIVB annual operating profit margin value is unknown

Net margin

20.86%
CIVB annual net profit margin is 20.86%

ROA & ROE

ROA

0.80%
CIVB annual return on assets is 0.80%

ROE

8.33%
CIVB annual return on equity is 8.33%

Valuation

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PE Ratio

PE ratio

9.65
CIVB price to earnings ratio is 9.65

PE ratio Sector rank

24.74%
CIVB price to earnings ratio is higher than 24.74% of companies in Financial Services sector

PB Ratio

PB ratio

0.78
CIVB price to book ratio is 0.78

PB ratio Sector rank

26.56%
CIVB price to book ratio is higher than 26.56% of companies in Financial Services sector

PS Ratio

PS ratio

1.99
CIVB price to sales ratio is 1.99

PS ratio Sector rank

31.46%
CIVB price to sales ratio is higher than 31.46% of companies in Financial Services sector

Enterprise value

Enterprise value

$687.97M
CIVB enterprise value is $687.97 million

Enterprise value Sector rank

50.23%
CIVB enterprise value is higher than 50.23% of companies in Financial Services sector

EV/EBITDA

EV/EBITDA

-
CIVB EV/EBITDA value is unknown

EV/EBITDA Sector rank

-
CIVB EV/EBITDA is unknown

Financial Health

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Liquidity

Current ratio

0.33
CIVB annual current ratio is 0.33

Quick ratio

-
CIVB annual quick ratio value is unknown

Leverage

Debt to equity

1.16
CIVB annual debt to equity ratio is 1.16

Interest coverage ratio

-
CIVB annual interest coverage ratio value is unknown

Risk & Stability

Piotroski F-Score

-
CIVB piotroski f-score value is unknown

Altman Z-Score

0.19
CIVB altman z-score is 0.19

Analyst ratings

Recent major analysts updates

Jan 31, 25 Stephens & Co.
Equal-Weight
Dec 4, 24 Keefe, Bruyette & Woods
Outperform
Oct 30, 24 Stephens & Co.
Equal-Weight
Oct 30, 24 Hovde Group
Outperform
Aug 1, 24 Piper Sandler
Neutral
Jul 30, 24 Keefe, Bruyette & Woods
Outperform
May 1, 24 Keefe, Bruyette & Woods
Outperform
Feb 21, 24 Piper Sandler
Neutral
Feb 9, 24 Stephens & Co.
Equal-Weight
Aug 1, 23 Stephens & Co.
Overweight

Institutional Ownership

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  • What is the ticker symbol for Civista Bancshares?
  • Does Civista Bancshares pay dividends?
  • What sector is Civista Bancshares in?
  • What industry is Civista Bancshares in?
  • What country is Civista Bancshares based in?
  • When did Civista Bancshares go public?
  • Is Civista Bancshares in the S&P 500?
  • Is Civista Bancshares in the NASDAQ 100?
  • Is Civista Bancshares in the Dow Jones?
  • When was Civista Bancshares's last earnings report?
  • When does Civista Bancshares report earnings?
  • Should I buy Civista Bancshares stock now?

What is the ticker symbol for Civista Bancshares?

The ticker symbol for Civista Bancshares is NASDAQ:CIVB

Does Civista Bancshares pay dividends?

Yes, Civista Bancshares pays dividends. The last payment was $0.17, with an ex-dividend date on February 4, 2025

What sector is Civista Bancshares in?

Civista Bancshares is in the Financial Services sector

What industry is Civista Bancshares in?

Civista Bancshares is in the Banks - Regional industry

What country is Civista Bancshares based in?

Civista Bancshares is headquartered in United States

When did Civista Bancshares go public?

Civista Bancshares's initial public offering (IPO) was on April 6, 1994

Is Civista Bancshares in the S&P 500?

No, Civista Bancshares is not included in the S&P 500 index

Is Civista Bancshares in the NASDAQ 100?

No, Civista Bancshares is not included in the NASDAQ 100 index

Is Civista Bancshares in the Dow Jones?

No, Civista Bancshares is not included in the Dow Jones index

When was Civista Bancshares's last earnings report?

Civista Bancshares's most recent earnings report was on Jan 30, 2025

When does Civista Bancshares report earnings?

The next expected earnings date for Civista Bancshares is Apr 24, 2025

Should I buy Civista Bancshares stock now?

As of today, analysts generally recommend a 'Buy' rating. However, it's important to do your own research and consider your financial situation before making any investment decisions
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