Ticker
    CIVB

    Price
    14.93
    Stock movement down
    -0.09 (-0.60%)
    Company name
    Civista Bancshares Inc
    Exchange
    (NASDAQ
    ,
    Currency
    USD
    )
    Sector
    Financial Services >
    Banks-Regional
    Market cap
    234.74M
    Ent value
    3.39B
    Price/Sales
    1.71
    Price/Book
    0.70
    Div yield
    4.29%
    Div growth
    13.77%
    Growth years
    11
    FCF payout
    18.38%
    Trailing P/E
    5.95
    Forward P/E
    4.59
    PEG
    0.74
    EPS growth
    14.03%
    1 year return
    -12.69%
    3 year return
    -14.02%
    5 year return
    -7.29%
    10 year return
    5.48%
    Last updated: 2024-04-08
    Civista Bancshares announces share repurchase program
    April 18, 2024

    iO Charts is a Seeking Alpha partner

    Civista Bancshares, Inc. (CIVB) Q4 2023 Earnings Call Transcript
    February 8, 2024

    iO Charts is a Seeking Alpha partner

    DIVIDENDS

    Dividend yield - 5y

    Dividend yield data
    Dividend per share0.64
    Dividend yield4.29%
    Payout frequencyQuarterly
    Maximum yield4.48%
    Average yield2.77%
    Minimum yield1.83%
    Discount to avg yield35.48%
    Upside potential55.00%
    Yield as % of max yield95.78%

    Yield distribution (inverse percentile) - 5y

    Yield distribution data
    Dividend yield4.29%
    Current yield distribution2.30%
    Yield at 100% (Min)1.83%
    Yield at 90%2.02%
    Yield at 80%2.17%
    Yield at 50% (Median)2.56%
    Yield at 20%3.43%
    Yield at 10%3.87%
    Yield at 0% (Max)4.48%

    Dividend per share

    Dividend per share data
    Years of growth11 years
    CCC statusDividend Contender
    Dividend per share0.64
    Payout frequencyQuarterly
    Ex-div date12 Feb 2024
    EPS (TTM)2.51
    EPS (1y forward)3.25
    EPS growth (5y)14.03%
    EPS growth (5y forward)8.00%

    Dividend growth

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    Dividend growth data
    CIVBS&P500
    DGR MR6.67%-16.32%
    DGR TTM12.50%4.05%
    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 announced272 days
    EPS growth (5y)14.03%
    EPS growth (5y forward)8.00%

    Payout ratio

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    Payout ratio data
    EPS coverageFCF coverage
    TTM26.72%18.38%
    Average49.62%35.76%
    Forward19.69%-
    Civista Bancshares GAAP EPS of $0.62 beats by $0.04, revenue of $38.87M misses by $0.64M
    February 8, 2024

    iO Charts is a Seeking Alpha partner

    Civista Bancshares declares $0.16 dividend
    February 2, 2024

    iO Charts is a Seeking Alpha partner

    VALUATION

    Valuation Ratios

    Valuation Ratios data
    Trailing P/E5.95
    Price to OCF3.22
    Price to FCF4.09
    Price to EBITDA4.45
    EV to EBITDA64.33

    Valuation (Sales/Book Value)

    Valuation (Sales/Book Value) data
    Price to Sales1.71
    Price to Book0.70
    EV to Sales24.76
    Civista Bancshares, Inc. (CIVB) Q3 2023 Earnings Call Transcript
    October 27, 2023

    iO Charts is a Seeking Alpha partner

    Civista Bancshares GAAP EPS of $0.66 beats by $0.05, revenue of $39.63M misses by $1.25M
    October 27, 2023

    iO Charts is a Seeking Alpha partner

    FINANCIALS

    Per share

    Per share data
    Current share count15.72M
    EPS (TTM)2.51
    FCF per share (TTM)3.65

    Income statement

    Income statement data
    Revenue (TTM)137.03M
    Gross profit (TTM)137.17M
    Operating income (TTM)47.03M
    Net income (TTM)39.43M
    EPS (TTM)2.51
    EPS (1y forward)3.25

    Margins

    Margins data
    Gross margin (TTM)100.10%
    Operating margin (TTM)34.32%
    Profit margin (TTM)28.77%

    Balance Sheet

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    Balance Sheet data
    Cash44.84M
    Net receivables36.80M
    Total current assets56.02M
    Goodwill125.69M
    Intangible assets10.76M
    Property, plant and equipment0.00
    Total assets3.54B
    Accounts payable24.70M
    Short/Current long term debt516.59M
    Total current liabilities393.70M
    Total liabilities3.20B
    Shareholder's equity334.84M
    Net tangible assets198.38M

    Cash flow

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    Cash flow data
    Operating cash flow (TTM)72.81M
    Capital expenditures (TTM)6.51M
    Free cash flow (TTM)57.33M
    Dividends paid (TTM)10.54M

    Financial returns

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    Financial returns data
    Return on Equity11.78%
    Return on Assets1.11%
    Return on Invested Capital4.63%
    Cash Return on Invested Capital6.73%
    Civista Bancshares declares $0.16 dividend
    October 26, 2023

    iO Charts is a Seeking Alpha partner

    Civista Bancshares, Inc. (CIVB) Q2 2023 Earnings Call Transcript
    July 29, 2023

    iO Charts is a Seeking Alpha partner

    STOCK INFORMATION

    Stock chart

    Stock price data
    Open15.09
    Daily high15.30
    Daily low14.93
    Daily Volume14K
    All-time high40.50
    1y analyst estimate27.50
    Beta0.79
    EPS (TTM)2.51
    Dividend per share0.64
    Ex-div date12 Feb 2024
    Next earnings date26 Apr 2024

    Downside potential

    Downside potential data
    CIVBS&P500
    Current price drop from All-time high-63.14%-0.85%
    Highest price drop-92.07%-56.47%
    Date of highest drop7 Oct 20119 Mar 2009
    Avg drop from high-56.48%-11.35%
    Avg time to new high82 days13 days
    Max time to new high5886 days1805 days
    Civista Bancshares GAAP EPS of $0.64 misses by $0.07, revenue of $40.48M misses by $2.31M
    July 28, 2023

    iO Charts is a Seeking Alpha partner

    Civista Bancshares raises dividend by 7% to $0.16
    July 28, 2023

    iO Charts is a Seeking Alpha partner

    COMPANY DETAILS
    CIVB (Civista Bancshares Inc) company logo
    Marketcap
    234.74M
    Marketcap category
    Small-cap
    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 equity securities; and provides trust and third-party insurance services. 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
    530
    Website
    https://www.civb.com
    Investor relations
    SEC filings
    CIVB SEC filings
    CEO
    Dennis Shaffer
    Country
    USA
    City
    Sandusky
    Stock type
    Common stock
    CCC status
    Dividend Contender
    Dividend Frequency
    Quarterly
    EVENTS AND PRESENTATIONS
    EventsPresentations
    Civista Bancshares: Completely Misunderstood By The Market
    June 3, 2023

    iO Charts is a Seeking Alpha partner

    Civista Bancshares approves new $13.5M stock buyback
    May 8, 2023

    iO Charts is a Seeking Alpha partner

    UNDERSTAND THE BUSINESS
    COMPANY NEWS
    Seeking AlphaPress releases
    Civista Bancshares raises dividend by 7%
    April 28, 2023
    Civista Bancshares, Inc. (CIVB) Q1 2023 Earnings Call Transcript
    April 28, 2023
    Civista Bancshares GAAP EPS of $0.82 beats by $0.01, revenue of $43.66M beats by $0.51M
    April 28, 2023
    Civista Bancshares, Inc. (CIVB) Q4 2022 Earnings Call Transcript
    February 7, 2023
    Civista Bancshares GAAP EPS of $0.77 beats by $0.02, revenue of $42.63M beats by $3.86M
    February 7, 2023
    Civista Bancshares declares $0.14 dividend
    February 3, 2023
    Civista Bancshares, Inc. (CIVB) Q3 2022 Earnings Call Transcript
    October 30, 2022
    Civista Bancshares declares $0.14 dividend
    October 28, 2022
    Civista Bancshares GAAP EPS of $0.72 beats by $0.16, revenue of $36.17M beats by $1.99M
    October 27, 2022
    Civista Bancshares to acquire equipment leasing, financing firm Vision Financial
    September 30, 2022
    iO Charts is a Seeking Alpha partnerNext page
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