Civista Bancshares Inc (CIVB)

Currency in USD
19.34
+0.04(+0.21%)
Closed·
After Hours
18.96-0.38(-1.96%)
·
CIVB Scorecard
Full Analysis
Has raised its dividend for 14 consecutive years
Unusual trading volume
Fair Value
Day's Range
19.1019.50
52 wk Range
14.9025.59
Key Statistics
Prev. Close
19.47
Open
19.41
Day's Range
19.1-19.5
52 wk Range
14.9-25.59
Volume
274.14K
Average Volume (3m)
77.38K
1-Year Change
19.45%
Book Value / Share
26.04
Fair Value
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Fair Value Upside
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CIVB Scorecardpro icon
Company’s Health
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Fair Value
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Fair Price
Upside
Price Target
25.25
Upside
+30.56%
Members' Sentiments
Bearish
Bullish
ProTips
5 analysts have revised their earnings downwards for the upcoming period

Civista Bancshares Inc News & Analysis

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Technical Analysis

Summary
Strong Sell
Sell
Neutral
Buy
Strong Buy
Sell
Technical Indicators
Sell
Moving Averages
Sell

Civista Bancshares Inc Company Profile

Civista Bancshares, Inc. operates as the financial holding company for Civista Bank that provides community banking services in the United States. The company offers personal and commercial checking accounts; retirement, money market, time, and savings accounts; safe deposit boxes; wire transfers; automated teller services; internet banking; ACH origination; telephone banking; and mobile/digital banking services, as well as remote deposit capture banking services for retail and business customers. It also provides time deposits that consist of certificates of deposit, including those held in IRA accounts and reciprocal deposits. Its loan portfolio includes commercial and agriculture; commercial real estate – owner and non-owner occupied; residential and farm real estate; real estate construction; lease financing receivable; consumer; and other loans, as well as home equity line of credit. In addition, the company holds and manages securities portfolio; leases general equipment; and provides captive insurance products. It operates in North Central, West Central, South Western Ohio, South Eastern 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.

Sector
Financial
Employees
523

Civista Bancshares Inc Earnings Call Summary for Q2/2025

  • Net income surged 56% YoY to $11M; EPS met $0.71 forecast; revenue missed at $41.4M vs $42.88M expected
  • Stock rose 1.96% pre-market to $21.82; company maintains strong profitability with P/E of 9.37 and P/B of 1.04
  • Strategic initiatives include new digital deposit platform and Farmers Savings Bank acquisition
  • Loan growth projected in mid-single digits for 2025, accelerating to high single digits in 2026
  • Net interest margin expected in low-to-mid 350s next quarter; Tier 1 leverage ratio to increase to 10.6% post-acquisition
Last Updated: 24/07/2025, 19:28
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Compare CIVB to Peers and Sector

Metrics to compare
CIVB
Peers
Sector
Relationship
P/E Ratio
9.6x10.5x9.5x
PEG Ratio
0.520.200.03
Price/Book
0.9x1.1x1.0x
Price / LTM Sales
2.4x3.1x2.8x
Upside (Analyst Target)
28.4%15.0%13.3%
Fair Value Upside
Unlock−7.1%1.7%Unlock

Analyst Ratings

4 Buy
2 Hold
0 Sell
Ratings:
6 analysts
Overall Consensus
Buy

Analysts 12-Month Price Target:

Average 25.25
(+30.56% Upside)

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 2.52%
Dividend Yield
3.52%
Industry Median 3.49%
Annualised payout
0.68
Paid quarterly
5-Years Growth
+8.45%
Growth Streak

Earnings

Latest Release
Jul 24, 2025
EPS / Forecast
0.71 / 0.71
Revenue / Forecast
41.40M / 42.88M
EPS Revisions
Last 90 days

CIVB Income Statement

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FAQ

What Stock Exchange Does Civista Bancshares Trade On?

Civista Bancshares is listed and trades on the Nasdaq Stock Exchange stock exchange.

What Is the Stock Symbol for Civista Bancshares?

The stock symbol for Civista Bancshares is "CIVB."

What Is the Civista Bancshares Market Cap?

As of today, Civista Bancshares market cap is 372.24M.

What Is Civista Bancshares's Earnings Per Share (TTM)?

The Civista Bancshares EPS (TTM) is 2.52.

When Is the Next Civista Bancshares Earnings Date?

Civista Bancshares will release its next earnings report on 23 Oct 2025.

From a Technical Analysis Perspective, Is CIVB a Buy or Sell?

Based on moving averages and other technical indicators, the daily buy/sell signal is Strong Sell.

How Many Times Has Civista Bancshares Stock Split?

Civista Bancshares has split 1 times.

How Many Employees Does Civista Bancshares Have?

Civista Bancshares has 523 employees.

What is the current trading status of Civista Bancshares (CIVB)?

As of 05 Aug 2025, Civista Bancshares (CIVB) is trading at a price of 19.34, with a previous close of 19.47. The stock has fluctuated within a day range of 19.10 to 19.50, while its 52-week range spans from 14.90 to 25.59.
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