Civista Bancshares Statistics

Total Valuation

CIVB has a market cap or net worth of $529.77 million. The enterprise value is $651.76 million.

Market Cap	529.77M
Enterprise Value	651.76M

Important Dates

The last earnings date was Wednesday, April 22, 2026, before market open.

Earnings Date	Apr 22, 2026
Ex-Dividend Date	May 5, 2026

Share Statistics

CIVB has 20.78 million shares outstanding. The number of shares has increased by 21.20% in one year.

Current Share Class	20.78M
Shares Outstanding	20.78M
Shares Change (YoY)	+21.20%
Shares Change (QoQ)	+3.04%
Owned by Insiders (%)	2.22%
Owned by Institutions (%)	62.69%
Float	20.31M

Valuation Ratios

The trailing PE ratio is 9.42 and the forward PE ratio is 9.29.

PE Ratio	9.42
Forward PE	9.29
PS Ratio	2.98
Forward PS	2.68
PB Ratio	0.96
P/TBV Ratio	1.29
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	12.81
EV / Sales	3.66
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 10.75%.

Return on Equity (ROE)	10.75%
Return on Assets (ROA)	1.21%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	5.54%
Revenue Per Employee	$332,692
Profits Per Employee	$95,108
Employee Count	535
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, CIVB has paid $10.27 million in taxes.

Income Tax	10.27M
Effective Tax Rate	16.76%

Stock Price Statistics

The stock price has increased by +21.04% in the last 52 weeks. The beta is 0.63, so CIVB's price volatility has been lower than the market average.

Beta (5Y)	0.63
52-Week Price Change	+21.04%
50-Day Moving Average	23.39
200-Day Moving Average	22.18
Relative Strength Index (RSI)	69.44
Average Volume (20 Days)	99,252

Short Selling Information

The latest short interest is 273,830, so 1.32% of the outstanding shares have been sold short.

Short Interest	273,830
Short Previous Month	305,285
Short % of Shares Out	1.32%
Short % of Float	1.35%
Short Ratio (days to cover)	2.90

Income Statement

In the last 12 months, CIVB had revenue of $177.99 million and earned $50.88 million in profits. Earnings per share was $2.71.

Revenue	177.99M
Gross Profit	177.99M
Operating Income	65.47M
Pretax Income	61.31M
Net Income	50.88M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$2.71

Full Income Statement

Balance Sheet

The company has $86.41 million in cash and $208.61 million in debt, giving a net cash position of -$122.20 million or -$5.88 per share.

Cash & Cash Equivalents	86.41M
Total Debt	208.61M
Net Cash	-122.20M
Net Cash Per Share	-$5.88
Equity (Book Value)	552.24M
Book Value Per Share	26.57
Working Capital	-3.54B

Full Balance Sheet

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Depreciation & Amortization	n/a
Net Borrowing	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	36.78%
Pretax Margin	34.44%
Profit Margin	28.67%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.72, which amounts to a dividend yield of 2.83%.

Dividend Per Share	$0.72
Dividend Yield	2.83%
Dividend Growth (YoY)	6.06%
Years of Dividend Growth	14
Payout Ratio	25.87%
Buyback Yield	-21.20%
Shareholder Yield	-18.38%
Earnings Yield	9.61%
FCF Yield	n/a

Dividend Details

Analyst Forecast

The average price target for CIVB is $26.60, which is 4.36% higher than the current price. The consensus rating is "Buy".

Price Target	$26.60
Price Target Difference	4.36%
Analyst Consensus	Buy
Analyst Count	5
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Stock Forecasts

Stock Splits

The last stock split was on June 5, 1996. It was a forward split with a ratio of 4:1.

Last Split Date	Jun 5, 1996
Split Type	Forward
Split Ratio	4:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	2