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Ticker
CIVB

Price
21.99
Stock movement down
-0.35 (-1.57%)
Company name
Civista Bancshares Inc
Exchange
(NASDAQ
,
Currency
USD
)
Sector
Financial Services >
Banks - Regional
Market cap
346.05M
Ent value
3.94B
Price/Sales
1.44
Price/Book
0.88
Div yield
3.09%
Div growth
13.77%
Growth years
11
FCF payout
61.75%
Trailing P/E
11.07
Forward P/E
10.60
PEG
1.38
EPS growth
22.68%
1 year return
55.08%
3 year return
1.29%
5 year return
7.99%
10 year return
7.37%
Last updated: 2025-06-10

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DIVIDENDS

Dividend yield - 5y

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Dividend yield data
Dividend per share0.68
Dividend yield3.09%
Payout frequencyQuarterly
Maximum yield4.64%
Average yield3.07%
Minimum yield2.03%
Discount to avg yield0.76%
Upside potential0.77%
Yield as % of max yield66.68%

Yield distribution (inverse percentile) - 5y

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Yield distribution data
Dividend yield3.09%
Current yield distribution43.02%
Yield at 100% (Min)2.03%
Yield at 90%2.33%
Yield at 80%2.43%
Yield at 50% (Median)2.93%
Yield at 20%3.75%
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 frequencyQuarterly
Ex-div date29 Apr 2025
EPS (TTM)2.03
EPS (1y forward)2.08
EPS growth (5y)22.68%
EPS growth (5y forward)8.00%

Dividend growth

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Dividend growth data
CIVBS&P500
DGR MR6.25%-13.74%
DGR TTM3.17%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 announced88 days
EPS growth (5y)22.68%
EPS growth (5y forward)8.00%

Payout ratio

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Payout ratio data
EPS coverageFCF coverage
TTM32.16%61.75%
Average45.75%33.71%
Forward32.77%-

VALUATION

Valuation Ratios

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Valuation Ratios data
Trailing P/E11.07
Price to OCF13.38
Price to FCF21.25
Price to EBITDA72.47
EV to EBITDA824.49

Valuation (Sales/Book Value)

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Valuation (Sales/Book Value) data
Price to Sales1.44
Price to Book0.88
EV to Sales16.43

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FINANCIALS

Per share

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Per share data
Current share count15.74M
EPS (TTM)2.03
FCF per share (TTM)1.06

Income statement

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Income statement data
Revenue (TTM)239.62M
Gross profit (TTM)226.57M
Operating income (TTM)63.92M
Net income (TTM)31.27M
EPS (TTM)2.03
EPS (1y forward)2.08

Margins

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Margins data
Gross margin (TTM)94.56%
Operating margin (TTM)26.68%
Profit margin (TTM)13.05%

Balance Sheet

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Balance Sheet data
Cash76.11M
Net receivables13.61M
Total current assets779.01M
Goodwill125.52M
Intangible assets8.31M
Property, plant and equipment0.00
Total assets4.06B
Accounts payable0.00
Short/Current long term debt399.03M
Total current liabilities1.39B
Total liabilities3.67B
Shareholder's equity394.44M
Net tangible assets0.00

Cash flow

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Cash flow data
Operating cash flow (TTM)25.86M
Capital expenditures (TTM)9.58M
Free cash flow (TTM)16.28M
Dividends paid (TTM)10.05M

Financial returns

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Financial returns data
Return on Equity7.93%
Return on Assets0.77%
Return on Invested Capital3.94%
Cash Return on Invested Capital2.05%

STOCK INFORMATION

Stock chart

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Stock price data
Open21.97
Daily high22.64
Daily low21.67
Daily Volume36K
All-time high40.50
1y analyst estimate23.58
Beta0.77
EPS (TTM)2.03
Dividend per share0.68
Ex-div date29 Apr 2025
Next earnings date28 Jul 2025

Downside potential

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Downside potential data
CIVBS&P500
Current price drop from All-time high-45.70%-2.16%
Highest price drop-92.07%-56.47%
Date of highest drop7 Oct 20119 Mar 2009
Avg drop from high-56.36%-11.04%
Avg time to new high86 days12 days
Max time to new high6179 days1805 days

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COMPANY DETAILS
CIVB (Civista Bancshares Inc) company logo
Marketcap
346.05M
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 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
534
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
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UNDERSTAND THE BUSINESS
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