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Ticker
CIVB

Price
24.15
Stock movement up
+0.30 (1.26%)
Company name
Civista Bancshares Inc
Exchange
(NASDAQ
,
Currency
USD
)
Sector
Financial Services >
Banks - Regional
Market cap
501.03M
Ent value
4.22B
Price/Sales
1.98
Price/Book
0.92
Div yield
2.82%
Div growth
8.79%
Growth years
11
FCF payout
26.00%
Trailing P/E
10.84
Forward P/E
8.46
PEG
1.36
EPS growth
5.75%
1 year return (CAGR)
12.48%
3 year return (CAGR)
3.85%
5 year return (CAGR)
4.95%
10 year return (CAGR)
8.08%
Last updated: 2026-02-20

DIVIDENDS

Dividend yield - 5y

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Dividend yield data
Dividend per share0.68
Dividend yield2.82%
Payout frequency-
Maximum yield4.64%
Average yield3.08%
Minimum yield2.03%
Discount to avg yield-9.42%
Upside potential-8.61%
Yield as % of max yield60.71%

Yield distribution (inverse percentile) - 5y

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Yield distribution data
Dividend yield2.82%
Current yield distribution55.95%
Yield at 100% (Min)2.03%
Yield at 90%2.33%
Yield at 80%2.43%
Yield at 50% (Median)2.99%
Yield at 20%3.73%
Yield at 10%4.13%
Yield at 0% (Max)4.64%

Dividend per share

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Dividend per share data
Years of growth11 years
CCC statusDividend Contender
Dividend per share0.68
Payout frequency-
Ex-div date10 Feb 2026
EPS (TTM)2.29
EPS (1y forward)2.86
EPS growth (5y)5.75%
EPS growth (5y forward)8.00%

Dividend growth

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Dividend growth data
CIVBS&P500
DGR MR6.25%-13.74%
DGR TTM4.69%6.60%
DGR 3 years7.17%7.31%
DGR 5 years8.79%4.69%
DGR 10 years12.91%6.30%
DGR 15 years6.47%8.16%
Time since last change announced314 days
EPS growth (5y)5.75%
EPS growth (5y forward)8.00%

Payout ratio

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Payout ratio data
EPS coverageFCF coverage
TTM18.51%26.00%
Average--
Forward23.81%-

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VALUATION

Valuation Ratios

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Valuation Ratios data
Trailing P/E10.84
Price to OCF14.88
Price to FCF15.23
Price to EBITDA17.94
EV to EBITDA151.01

Valuation (Sales/Book Value)

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Valuation (Sales/Book Value) data
Price to Sales1.98
Price to Book0.92
EV to Sales16.69

FINANCIALS

Per share

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Per share data
Current share count20.75M
EPS (TTM)2.29
FCF per share (TTM)1.63

Income statement

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Income statement data
Revenue (TTM)252.62M
Gross profit (TTM)166.84M
Operating income (TTM)55.23M
Net income (TTM)46.21M
EPS (TTM)2.29
EPS (1y forward)2.86

Margins

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Margins data
Gross margin (TTM)66.04%
Operating margin (TTM)21.86%
Profit margin (TTM)18.29%

Balance Sheet

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Balance Sheet data
Cash77.32M
Net receivables0.00
Total current assets761.92M
Goodwill143.54M
Intangible assets0.00
Property, plant and equipment0.00
Total assets4.34B
Accounts payable0.00
Short/Current long term debt284.18M
Total current liabilities1.28B
Total liabilities3.79B
Shareholder's equity543.47M
Net tangible assets0.00

Cash flow

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Cash flow data
Operating cash flow (TTM)33.66M
Capital expenditures (TTM)936.00K
Free cash flow (TTM)32.90M
Dividends paid (TTM)8.55M

Financial returns

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Financial returns data
Return on Equity8.50%
Return on Assets1.07%
Return on Invested Capital6.43%
Cash Return on Invested Capital4.58%

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STOCK INFORMATION

Stock chart

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Stock price data
Open23.85
Daily high24.45
Daily low23.85
Daily Volume42K
All-time high40.50
1y analyst estimate27.00
Beta0.67
EPS (TTM)2.29
Dividend per share0.68
Ex-div date10 Feb 2026
Next earnings date24 Apr 2026

Downside potential

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Downside potential data
CIVBS&P500
Current price drop from All-time high-40.37%-1.82%
Highest price drop-92.07%-56.47%
Date of highest drop7 Oct 20119 Mar 2009
Avg drop from high-56.07%-10.84%
Avg time to new high87 days12 days
Max time to new high6352 days1805 days

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COMPANY DETAILS
CIVB (Civista Bancshares Inc) company logo
Marketcap
501.03M
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
535
Investor relations
SEC filings
CEO
Dennis Shaffer
Country
USA
City
Sandusky
Stock type
Common stock
CCC status
Dividend Contender
Dividend Frequency
-
EVENTS AND PRESENTATIONS
EventsPresentations
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UNDERSTAND THE BUSINESS
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