CIVB Stock Price, Civista Bancshares Inc Quote, Chart

Market Summary

USD15.06+0.41

Delayed

2.80%

CIVB Alerts

1 major insider buys recently.

CIVB Stock Price

View Fullscreen

CIVB RSI Chart

CIVB Valuation

Market Cap

236.8M

Price/Earnings (Trailing)

6.5

Price/Sales (Trailing)

1.24

EV/EBITDA

1.07

Price/Free Cashflow

5.73

CIVB Price/Sales (Trailing)

CIVB Profitability

EBT Margin

22.16%

Return on Equity

9.86%

Return on Assets

0.94%

Free Cashflow Yield

17.46%

CIVB Fundamentals

CIVB Revenue

Revenue (TTM)

191.3M

Rev. Growth (Yr)

20.68%

Rev. Growth (Qtr)

-3.74%

CIVB Earnings

Earnings (TTM)

36.4M

Earnings Growth (Yr)

-50.65%

Earnings Growth (Qtr)

-34.13%

Breaking Down CIVB Revenue

Last 7 days

1.6%

Last 30 days

5.4%

Last 90 days

-4.1%

Trailing 12 Months

-5.8%

How does CIVB drawdown profile look like?

CIVB Financial Health

CIVB Investor Care

Dividend Yield

4.55%

Dividend/Share (TTM)

0.69

Buy Backs (1Y)

0.26%

Diluted EPS (TTM)

2.32

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs

Net sales

Year	Q1	Q2	Q3	Q4
2024	191.3M	0	0	0
2023	143.0M	160.3M	173.6M	182.7M
2022	104.0M	104.6M	111.3M	126.2M
2021	100.6M	101.5M	102.7M	105.1M
2020	98.5M	98.1M	98.7M	99.9M
2019	82.3M	91.1M	97.2M	98.1M
2018	60.8M	62.8M	65.8M	73.7M
2017	54.2M	54.7M	56.2M	58.6M
2016	52.0M	53.0M	53.1M	53.6M
2015	46.4M	47.8M	49.3M	50.7M
2014	44.9M	45.3M	45.8M	46.0M
2013	45.9M	45.2M	44.8M	44.9M
2012	48.6M	48.3M	47.5M	46.8M
2011	51.2M	50.4M	49.6M	48.9M
2010	0	0	0	51.9M

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of Civista Bancshares Inc

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
May 08, 2024	mulford michael d.	bought	13,970	13.97	1,000	senior vice president
Mar 14, 2024	parcher charles a.	bought	14,402	14.4025	1,000	senior vice president
Mar 12, 2024	michel todd a	acquired	-	-	872	senior vice president
Mar 12, 2024	edwards russell l jr	acquired	-	-	715	senior vice president
Mar 12, 2024	morrison lance a.	acquired	-	-	979	svp, legal counsel
Mar 12, 2024	waltz-jaskolski donna m.	acquired	-	-	750	senior vice president
Mar 12, 2024	kessler carl a iii	acquired	-	-	1,025	senior vice president
Mar 12, 2024	shaffer dennis g	acquired	-	-	4,262	ceo and president
Mar 12, 2024	dutton richard j	acquired	-	-	1,996	senior vice president
Mar 12, 2024	parcher charles a.	acquired	-	-	1,996	senior vice president

Which funds bought or sold CIVB recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 16, 2024	CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM	reduced	-38.9	-23,014	23,916	-%
May 16, 2024	Ancora Advisors LLC	unchanged	-	-976	4,906	-%
May 15, 2024	HSBC HOLDINGS PLC	new	-	248,264	248,264	-%
May 15, 2024	D. E. Shaw & Co., Inc.	new	-	170,426	170,426	-%
May 15, 2024	CITADEL ADVISORS LLC	added	84.96	119,950	340,990	-%
May 15, 2024	GOLDMAN SACHS GROUP INC	added	7.01	-78,558	652,127	-%
May 15, 2024	Royal Bank of Canada	reduced	-22.1	-116,000	215,000	-%
May 15, 2024	MALTESE CAPITAL MANAGEMENT LLC	reduced	-22.64	-817,754	1,487,250	0.29%
May 15, 2024	GENDELL JEFFREY L	unchanged	-	-30,600	153,800	0.01%
May 15, 2024	BRIDGEWAY CAPITAL MANAGEMENT, LLC	added	3.99	-203,964	1,333,320	0.03%

Are Funds Buying or Selling CIVB?

Are funds buying CIVB calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own CIVB

No. of Funds

CIVB Alerts

1 major insider buys recently.

Unveiling Civista Bancshares Inc's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 13, 2024	vanguard group inc	5.12%	804,009	SC 13G
Jan 25, 2024	blackrock inc.	8.1%	1,268,722	SC 13G/A
Feb 01, 2023	blackrock inc.	6.9%	1,088,695	SC 13G/A
Feb 01, 2022	blackrock inc.	7.5%	1,131,645	SC 13G/A
Jan 29, 2021	blackrock inc.	7.6%	1,205,195	SC 13G/A
Feb 14, 2020	rmb capital management, llc	0.00%	0	SC 13G/A
Feb 07, 2020	blackrock inc.	6.7%	1,034,568	SC 13G

Recent SEC filings of Civista Bancshares Inc

View All Filings

Date Filed	Form Type	Document
May 17, 2024	4	Insider Trading
May 17, 2024	4	Insider Trading
May 17, 2024	4	Insider Trading
May 09, 2024	10-Q	Quarterly Report
May 09, 2024	4	Insider Trading
May 08, 2024	8-K	Current Report
Apr 30, 2024	8-K	Current Report
Apr 30, 2024	8-K	Current Report
Apr 26, 2024	8-K	Current Report
Apr 18, 2024	8-K	Current Report

Peers (Alternatives to Civista Bancshares Inc)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	588.1B	174.7B	13.73%	46.82%	11.68	3.37	53.11%	19.83%
BAC	307.4B	137.9B	11.58%	38.08%	12.28	2.23	56.12%	-12.56%
WFC	213.0B	85.8B	6.86%	51.95%	11.35	2.48	35.02%	26.14%
C	122.2B	125.0B	10.16%	38.13%	15.29	0.98	37.85%	-
CFG	16.9B	10.4B	12.51%	41.04%	11.81	1.62	26.22%	-33.87%
KEY	14.5B	8.1B	6.72%	53.23%	16.61	1.78	32.15%	-50.93%
MID-CAP
CMA	7.3B	4.2B	10.08%	41.38%	10.46	1.71	34.68%	-45.96%
ZION	6.6B	4.1B	14.23%	65.05%	10.55	1.63	32.93%	-30.73%
ABCB	3.5B	1.3B	13.35%	57.95%	12.32	2.65	30.60%	-12.99%
ASB	3.4B	2.0B	11.57%	43.03%	20.88	1.65	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
AROW	417.1M	173.1M	15.06%	27.00%	14.3	2.41	26.54%	-34.86%
ALRS	390.4M	152.4M	-0.90%	32.84%	39.27	2.56	16.94%	-73.84%
ACNB	295.5M	98.7M	10.19%	20.01%	10.04	2.99	6.27%	-22.90%
ASRV	48.0M	62.5M	8.95%	-1.75%	-16.24	0.77	18.83%	-145.18%

Civista Bancshares Inc News

Latest updates

Civista Bancshares Inc Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	-3.7%	50.00	52.00	46.00	43.00	42.00	43.00	33.00	26.00	25.00	28.00	26.00	25.00	26.00	26.00	25.00	25.00	25.00	25.00	24.00	25.00	25.00
EBITDA Margin	-10.9%	0.91*	1.02*	1.07*	1.16*	1.24*	1.28*	1.33*	1.35*	1.36*	1.39*	1.41*	1.38*	-	-	-	-	-	-	-	-	-
Interest Expenses	-5.6%	28.00	30.00	32.00	31.00	33.00	33.00	30.00	24.00	23.00	23.00	24.00	24.00	24.00	24.00	22.00	22.00	22.00	21.00	20.00	22.00	22.00
Income Taxes	-47.2%	1.00	2.00	2.00	2.00	3.00	2.00	2.00	1.00	2.00	2.00	2.00	1.00	2.00	2.00	1.00	1.00	1.00	1.00	1.00	2.00	2.00
Earnings Before Taxes	-36.0%	7.00	11.00	12.00	12.00	15.00	15.00	13.00	9.00	10.00	13.00	12.00	11.00	13.00	12.00	9.00	7.00	9.00	9.00	9.00	10.00	12.00
EBT Margin	-20.0%	0.22*	0.28*	0.31*	0.34*	0.37*	0.37*	0.41*	0.42*	0.44*	0.46*	0.46*	0.44*	-	-	-	-	-	-	-	-	-
Net Income	-34.1%	6.00	10.00	10.00	10.00	13.00	-0.99	11.00	8.00	8.00	11.00	10.00	9.00	11.00	10.00	8.00	7.00	8.00	8.00	8.00	9.00	10.00
Net Income Margin	-19.0%	0.19*	0.24*	0.19*	0.21*	0.21*	0.21*	0.34*	0.35*	0.37*	0.39*	0.39*	0.37*	-	-	-	-	-	-	-	-	-
Free Cashflow	-25.1%	1.00	1.00	21.00	19.00	19.00	-5.54	-20.74	36.00	9.00	6.00	14.00	3.00	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Assets	0.5%	3,880	3,861	3,733	3,616	3,585	3,639	3,242	3,039	3,184	3,013	329	2,925	3,057	2,769	2,818	2,812	2,576	2,310	2,269	2,203	2,278
Cash Equivalents	-16.7%	50.00	60.00	50.00	41.00	53.00	43.00	41.00	233	413	264	253	245	435	137	195	197	256	47.00	-	-	-
Net PPE	-4.4%	54.00	57.00	59.00	61.00	62.00	64.00	30.00	24.00	22.00	22.00	23.00	23.00	22.00	23.00	23.00	23.00	22.00	23.00	22.00	22.00	22.00
Goodwill	0%	126	126	125	125	125	126	23.00	26.00	77.00	77.00	77.00	77.00	77.00	77.00	77.00	77.00	77.00	77.00	77.00	77.00	77.00
Liabilities	0.6%	3,511	3,489	3,400	3,266	3,237	3,305	2,939	2,737	2,857	2,658	2,604	2,572	2,707	2,419	2,476	2,476	2,248	1,979	1,940	1,879	1,966
Shareholder's Equity	-0.6%	370	372	333	350	348	335	303	302	328	355	348	352	350	350	342	337	328	330	329	324	312
Retained Earnings	2.1%	188	184	177	169	161	156	147	138	132	126	117	109	102	93.00	85.00	79.00	74.00	68.00	62.00	56.00	49.00
Shares Outstanding	-0.1%	15.00	15.00	-	-	15.00	15.00	15.00	15.00	15.00	15.00	15.00	16.00	16.00	-	-	-	-	-	-	-	-
Float	-	-	-	-	266	-	-	-	296	-	-	-	324	-	-	-	235	-	-	-	337	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	-64.3%	752	2,105	21,469	19,330	19,794	-2,238	-20,207	38,514	9,114	6,466	14,299	4,086	15,910	7,353	13,711	-13,964	25,554	16,279	2,153	7,464	12,905
Cashflow From Investing	64.0%	-34,172	-94,958	-131,316	-46,875	-38,635	-202,608	-113,139	-43,745	-50,872	-46,548	-25,287	-59,244	583	-701	-14,099	-288,346	-37,836	-68,809	-43,215	-29,539	-9,201
Cashflow From Financing	-77.3%	23,324	102,943	118,809	16,176	28,203	207,293	-59,021	-174,186	190,217	53,629	18,847	-136,776	281,225	-62,416	-1,359	242,807	219,770	37,866	53,442	-92,180	117,611
Dividend Payments	0.0%	2,510	2,511	2,520	2,367	2,201	2,202	2,158	2,043	2,090	2,104	2,140	1,885	1,907	1,753	1,766	1,764	1,835	2,349	1,722	1,719	1,404
Buy Backs	1420.0%	152	10.00	1,497	-	121	153	6,113	6,056	4,565	1,752	9,202	7,379	3,976	698	1,306	355	11,095	-	-	-	-

Get Full Access to Grufity – and Unlimited Downloads

Gain full access to fair value, watchlists, stock screener, unlimited page visits, and additional features by joining as a member today for just $1.99.

Try For Just $1.99

CIVB Income Statement

2024-03-31

Consolidated Statements of Operations (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Interest and dividend income
Loans, including fees	$ 44,484	$ 37,784
Taxable securities	2,934	2,834
Tax-exempt securities	2,375	2,262
Deposits in other banks	335	45
Total interest and dividend income	50,128	42,925
Interest expense
Deposits	15,987	3,232
Federal Home Loan Bank advances	4,528	4,277
Subordinated debentures	1,241	1,169
Securities sold under agreements to repurchase and other		1,646
Total interest expense	21,756	10,324
Net interest income	28,372	32,601
Provision for credit losses - loans	2,042	620
Provision for credit losses - off-balance sheet credit exposures	(50)	201
Net interest income after provision	26,380	31,780
Noninterest income
Service charges	1,440	1,773
Net gain (loss) on equity securities	(141)	(68)
Net gain on sale of loans and leases	863	631
ATM/Interchange fees	1,383	1,353
Wealth management fees	1,276	1,193
Lease revenue and residual income	1,674	2,046
Bank owned life insurance	350	253
Tax refund processing fees		1,900
Swap fees	57	61
Other	1,602	1,926
Total noninterest income	8,504	11,068
Noninterest expense
Compensation expense	15,457	15,105
Net occupancy expense	1,368	1,359
Equipment expense	2,535	2,761
Contracted data processing	545	520
FDIC assessment	484	248
State franchise tax	485	526
Professional services	1,149	1,555
Amortization of intangible assets	391	398
ATM/Interchange expense	625	580
Marketing	479	505
Software maintenance expense	1,189	878
Other operating expenses	2,982	2,997
Total noninterest expense	27,689	27,432
Income before taxes	7,195	15,416
Income tax expense	835	2,528
Net Income	$ 6,360	$ 12,888
Earnings per common share, basic	$ 0.41	$ 0.82
Earnings per common share, diluted	$ 0.41	$ 0.82
Weighted average common shares, basic	15,134,619	15,179,210

CIVB Balance Sheet

2024-03-31

Consolidated Balance Sheets - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
ASSETS
Cash and due from financial institutions	$ 50,310	$ 60,406
Investments in time deposits	1,450	1,225
Securities available-for-sale	606,249	618,272
Equity securities	2,027	2,169
Loans held for sale	3,716	1,725
Loans, net of allowance for credit losses of $38,849 and $36,170	2,859,290	2,824,568
Other securities	31,360	29,998
Premises and equipment, net	54,280	56,769
Accrued interest receivable	13,513	12,819
Goodwill	125,520	125,520
Other intangible assets, net	9,098	9,508
Bank owned life insurance	61,685	61,335
Swap assets	14,682	12,481
Deferred taxes	20,296	18,357
Other assets	26,782	26,266
Total assets	3,880,258	3,861,418
Deposits
Noninterest-bearing	707,993	771,699
Interest-bearing	2,272,702	2,213,329
Total deposits	2,980,695	2,985,028
Short-term Federal Home Loan Bank advances	368,500	338,000
Long-term Federal Home Loan Bank advances	2,211	2,392
Subordinated debentures	103,984	103,943
Other borrowings	8,105	9,859
Swap liabilities	14,682	12,481
Accrued expenses and other liabilities	32,422	37,713
Total liabilities	3,510,599	3,489,416
SHAREHOLDERS’ EQUITY
Common shares, no par value, 40,000,000 shares authorized, 19,328,525 shares issued at March 31, 2024 and 19,288,101 shares issued at December 31, 2023, including Treasury shares	311,352	311,166
Retained earnings	187,638	183,788
Treasury shares, 3,601,512 common shares at March 31, 2024 and 3,592,677 common shares at December 31, 2023, at cost	(75,574)	(75,422)
Accumulated other comprehensive loss	(53,757)	(47,530)
Total shareholders’ equity	369,659	372,002
Total liabilities and shareholders’ equity	$ 3,880,258	$ 3,861,418

About Civista Bancshares Inc

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.

CEO	Mr. Dennis G. Shaffer
WEBSITE	civb.com
INDUSTRY	Banks Diversified
EMPLOYEES	532

Civista Bancshares Inc Frequently Asked Questions

What is the ticker symbol for Civista Bancshares Inc? What does CIVB stand for in stocks?

CIVB is the stock ticker symbol of Civista Bancshares Inc. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Civista Bancshares Inc (CIVB)?

As of Fri May 17 2024, market cap of Civista Bancshares Inc is 236.85 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of CIVB stock?

You can check CIVB's fair value in chart for subscribers.

What is the fair value of CIVB stock?

You can check CIVB's fair value in chart for subscribers. The fair value of Civista Bancshares Inc is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Civista Bancshares Inc is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for CIVB so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Civista Bancshares Inc a good stock to buy?

The fair value guage provides a quick view whether CIVB is over valued or under valued. Whether Civista Bancshares Inc is cheap or expensive depends on the assumptions which impact Civista Bancshares Inc's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for CIVB.

What is Civista Bancshares Inc's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri May 17 2024, CIVB's PE ratio (Price to Earnings) is 6.5 and Price to Sales (PS) ratio is 1.24. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. CIVB PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on Civista Bancshares Inc's stock?

In the past 10 years, Civista Bancshares Inc has provided 0.074 (multiply by 100 for percentage) rate of return.