We have set up our new Discord server! Share your feedback and find like-minded people! Join our Discord

Ticker
CIVB

Price
21.54
Stock movement down
-0.11 (-0.51%)
Company name
Civista Bancshares Inc
Exchange
(NASDAQ
,
Currency
USD
)
Sector
Financial Services >
Banks - Regional
Market cap
416.00M
Ent value
4.01B
Price/Sales
1.74
Price/Book
1.05
Div yield
3.16%
Div growth
13.77%
Growth years
11
FCF payout
-
Trailing P/E
13.30
Forward P/E
8.37
PEG
1.66
EPS growth
22.68%
1 year return
16.43%
3 year return
-
5 year return
-
10 year return
-
Last updated: 2025-10-30

DIVIDENDS

Dividend yield - 5y

Loading...
Dividend yield data
Dividend per share0.68
Dividend yield3.16%
Payout frequencyQuarterly
Maximum yield3.69%
Average yield3.15%
Minimum yield2.71%
Discount to avg yield0.26%
Upside potential0.26%
Yield as % of max yield85.48%

Yield distribution (inverse percentile) - 5y

Loading...
Yield distribution data
Dividend yield3.16%
Current yield distribution49.25%
Yield at 100% (Min)2.71%
Yield at 90%2.84%
Yield at 80%2.97%
Yield at 50% (Median)3.15%
Yield at 20%3.33%
Yield at 10%3.42%
Yield at 0% (Max)3.69%

Dividend per share

Loading...
Dividend per share data
Years of growth11 years
CCC statusDividend Contender
Dividend per share0.68
Payout frequencyQuarterly
Ex-div date4 Nov 2025
EPS (TTM)-
EPS (1y forward)2.60
EPS growth (5y)22.68%
EPS growth (5y forward)8.00%

Dividend growth

Loading...
Please create a free account or log in to access this chart
Dividend growth data
CIVBS&P500
DGR MR6.25%-13.74%
DGR TTM4.69%6.60%
DGR 3 years11.50%5.24%
DGR 5 years13.77%5.40%
DGR 10 years15.06%7.07%
DGR 15 years-2.63%6.12%
Time since last change announced208 days
EPS growth (5y)22.68%
EPS growth (5y forward)8.00%

Payout ratio

Loading...
Please create a free account or log in to access this chart
Payout ratio data
EPS coverageFCF coverage
TTM--
Average45.75%33.71%
Forward26.42%-

iO Charts is a Seeking Alpha partner

VALUATION

Valuation Ratios

Loading...
Valuation Ratios data
Trailing P/E13.30
Price to OCF16.08
Price to FCF25.55
Price to EBITDA87.12
EV to EBITDA839.14

Valuation (Sales/Book Value)

Loading...
Valuation (Sales/Book Value) data
Price to Sales1.74
Price to Book1.05
EV to Sales16.72

iO Charts is a Seeking Alpha partner

iO Charts is a Seeking Alpha partner

FINANCIALS

Per share

Loading...
Per share data
Current share count19.31M
EPS (TTM)-
FCF per share (TTM)-

Income statement

Loading...
Income statement data
Revenue (TTM)-
Gross profit (TTM)-
Operating income (TTM)-
Net income (TTM)-
EPS (TTM)-
EPS (1y forward)2.60

Margins

Loading...
Margins data
Gross margin (TTM)-
Operating margin (TTM)-
Profit margin (TTM)-

Balance Sheet

Loading...
Please create a free account or log in to access this chart
Balance Sheet data
Cash62.77M
Net receivables14.07M
Total current assets719.96M
Goodwill125.52M
Intangible assets6.76M
Property, plant and equipment0.00
Total assets4.11B
Accounts payable0.00
Short/Current long term debt341.88M
Total current liabilities232.00M
Total liabilities3.61B
Shareholder's equity499.03M
Net tangible assets0.00

Cash flow

Loading...
Please create a free account or log in to access this chart
Cash flow data
Operating cash flow (TTM)-
Capital expenditures (TTM)-
Free cash flow (TTM)-
Dividends paid (TTM)-

Financial returns

Loading...
Please create a free account or log in to access this chart
Financial returns data
Return on Equity-
Return on Assets-
Return on Invested Capital-
Cash Return on Invested Capital-

STOCK INFORMATION

Stock chart

Loading...
Stock price data
Open21.65
Daily high22.07
Daily low21.41
Daily Volume53K
All-time high40.50
1y analyst estimate24.67
Beta0.70
EPS (TTM)-
Dividend per share0.68
Ex-div date4 Nov 2025
Next earnings date-

Downside potential

Loading...
Downside potential data
CIVBS&P500
Current price drop from All-time high-46.81%-1.10%
Highest price drop-57.21%-19.00%
Date of highest drop9 Oct 20248 Apr 2025
Avg drop from high-47.99%-2.76%
Avg time to new high-5 days
Max time to new high266 days89 days

iO Charts is a Seeking Alpha partner

COMPANY DETAILS
CIVB (Civista Bancshares Inc) company logo
Marketcap
416.00M
Marketcap category
Small-cap
Description
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.
Employees
523
Investor relations
SEC filings
CEO
Dennis Shaffer
Country
USA
City
Sandusky
Stock type
Common stock
CCC status
Dividend Contender
Dividend Frequency
Quarterly
EVENTS AND PRESENTATIONS
EventsPresentations
Loading...

iO Charts is a Seeking Alpha partner

UNDERSTAND THE BUSINESS
Loading...