CIVB
NEUTRAL
$23.47
Live
Civista Bancshares, Inc. · NASDAQ
Target $26.33
(+12.2%)
$17.47
52W Range
$25.59
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 08, 2026
Market cap
$486.94M
P/E
8.89
ROE
9.9%
Profit margin
27.3%
Debt/Equity
N/A
Dividend yield
3.11%
AI Analysis
AI-powered fundamental assessment
Confidence
55%
CIVB shows bullish fundamentals based on deterministic rules. Financial strength is weak (F-Score 3/9). Key strengths include strong valuation and growth metrics. Price trades at a 27.0% premium to fair value estimate ($18.48), limiting near-term upside from a valuation perspective.
Key Strengths
Attractive valuation with P/E of 8.9
Undervalued vs Graham Number ($39.45)
Strong profitability (27.3% margin)
Key Risks
Weak financial trend (Piotroski F-Score: 3/9)
Price trades at a 27.0% premium to fair value estimate ($18.48), limiting near-term upside from a valuation perspective.
AI Fair Value Estimate
Based on comprehensive analysis
$18.48
-21.3% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
51
Moderate
65
65
60
30
35
AI Verdict
CIVB shows bullish fundamentals based on deterministic rules. Financial strength is weak (F-Score 3/9). Key strengths include strong valuation and growth metrics.
Key drivers: Attractive valuation with P/E of 8.9, Undervalued vs Graham Number ($39.45), Weak financial trend (Piotroski F-Score: 3/9)
Confidence
65%
Value
65/100
Rule-based valuation (P/E + Graham).
Positives
- Trades at attractive 8.9x trailing earnings.
- Trades below Graham Number.
Watchpoints
- Price trades at a 27.0% premium to fair value estimate ($18.48), limiting near-term upside from a valuation perspective.
Future
65/100
Rule-based growth outlook.
Positives
- Revenue growth running at 15.3%.
Watchpoints
No urgent risks highlighted.
Past
60/100
Historical performance + price trend: Shares moved +18.0% over 5Y and +26.2% over 1Y.
Positives
- Healthy profit margin of 27.3%.
Watchpoints
No urgent risks highlighted.
Health
30/100
Balance sheet & liquidity (Z-Score: N/A).
Positives
- Insufficient data for clear positives.
Watchpoints
No urgent risks highlighted.
Dividend
35/100
Dividend policy fallback.
Positives
- Yield: 3.1%.
Watchpoints
- Weak dividend profile (Score: 35/100).
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$23.47
Analyst Target
$26.33
Upside/Downside
+12.2%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for CIVB and closest competitors.
Updated 2026-04-07
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
CIVB
Civista Bancshares, Inc.
Primary
|
+18.0% | +58.8% | +26.2% | +14.0% | +4.9% | +3.0% |
|
ACNB
ACNB Corporation
Peer
|
+69.7% | +57.1% | +18.8% | +5.0% | -11.1% | -2.1% |
|
CHW
Calamos Global Dynamic Income Fund
Peer
|
+9.8% | +64.0% | +45.4% | +0.5% | -0.3% | +3.0% |
|
BLE
BlackRock Municipal Income Trust II
Peer
|
-10.7% | +12.5% | +5.4% | +11.2% | +2.6% | -0.2% |
|
BETR
Better Home & Finance Holding Company
Peer
|
-94.5% | -94.4% | +147.6% | +0.8% | -8.9% | -28.7% |
CIV
Civista Bancshares, Inc.
Primary
5Y
+18.0%
3Y
+58.8%
1Y
+26.2%
6M
+14.0%
1M
+4.9%
1W
+3.0%
ACN
ACNB Corporation
Peer
5Y
+69.7%
3Y
+57.1%
1Y
+18.8%
6M
+5.0%
1M
-11.1%
1W
-2.1%
CHW
Calamos Global Dynamic Income Fund
Peer
5Y
+9.8%
3Y
+64.0%
1Y
+45.4%
6M
+0.5%
1M
-0.3%
1W
+3.0%
BLE
BlackRock Municipal Income Trust II
Peer
5Y
-10.7%
3Y
+12.5%
1Y
+5.4%
6M
+11.2%
1M
+2.6%
1W
-0.2%
BET
Better Home & Finance Holding Company
Peer
5Y
-94.5%
3Y
-94.4%
1Y
+147.6%
6M
+0.8%
1M
-8.9%
1W
-28.7%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
8.89
Forward P/E
8.21
PEG Ratio
N/A
P/B Ratio
0.9
P/S Ratio
2.88
EV/Revenue
4.08
EV/EBITDA
N/A
Market Cap
$486.94M
Profitability
Profit margins and return metrics
Profit Margin
27.32%
Operating Margin
34.57%
Gross Margin
N/A
ROE
9.92%
ROA
1.1%
Growth
Revenue and earnings growth rates
Revenue Growth
+15.3%
Earnings Growth
-1.4%
Q/Q Revenue Growth
+17.42%
Q/Q Earnings Growth
+24.0%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$3.95
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.0B
Net Margin
26.3%
Total Assets
$4.3B
Liabilities
$3.8B
Equity
$0.5B
Debt/Equity
6.98x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
98%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-22
$N/A
2026-01-29
$0.75
+21.0% surprise
2025-10-23
$0.71
+20.3% surprise
2025-07-24
$0.71
+1.4% surprise
Financial Services Sector Comparison
Comparing CIVB against 245 companies in the Financial Services sector
(33 bullish, 106 neutral, 106 bearish)
P/E Ratio
8.89
This Stock
vs
27.96
Sector Avg
-68.2%
(Discount)
Return on Equity (ROE)
9.92%
This Stock
vs
-2.43%
Sector Avg
-507.9%
(Below Avg)
Profit Margin
27.32%
This Stock
vs
80.5%
Sector Avg
-66.1%
(Weaker)
Revenue Growth
15.3%
This Stock
vs
28.96%
Sector Avg
-47.2%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
CIVB
Civista Bancshares, Inc.
|
NEUTRAL | $486.94M | 8.89 | 9.9% | 27.3% | $23.47 | |
|
ACNB
ACNB Corporation
|
NEUTRAL | $482.69M | 12.91 | 10.2% | 25.3% | $46.48 | Compare |
|
CHW
Calamos Global Dynamic Income Fund
|
BULLISH | $477.71M | 5.12 | 17.8% | 593.1% | $7.48 | Compare |
|
BLE
BlackRock Municipal Income Trust II
|
BEARISH | $500.66M | - | -6.6% | -90.8% | $10.49 | Compare |
|
BETR
Better Home & Finance...
|
BEARISH | $468.33M | - | -% | -100.6% | $28.47 | Compare |
CIVB
Civista Bancshares, Inc.
NEUTRAL
Mkt Cap
$487M
P/E
8.9
ROE
9.9%
Price
$23.47
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-11 | PARCHER CHARLES A. | President | Stock Award | 4,376 | - |
| 2026-03-11 | WALTZ-JASKOLSKI DONNA M | Officer | Stock Award | 1,176 | - |
| 2026-03-11 | CURRY ROBERT L JR | Officer | Stock Award | 1,323 | - |
| 2026-03-11 | KESSLER CARL A III | Officer | Stock Award | 1,614 | - |
| 2026-03-11 | EDWARDS RUSSELL L JR. | Officer | Stock Award | 1,121 | - |
| 2026-03-11 | WHINNEM IAN | Chief Financial Officer | Stock Award | 2,313 | - |
| 2026-03-11 | KATITUS ROBERT L. | Officer | Stock Award | 1,544 | - |
| 2026-03-11 | DOUCETTE VERONICA G | Officer | Stock Award | 908 | - |
| 2026-03-11 | SHAFFER DENNIS G | Chief Executive Officer | Stock Award | 6,685 | - |
| 2026-03-11 | MULFORD MICHAEL D | Officer | Stock Award | 1,361 | - |
| 2026-03-11 | MORRISON LANCE A | Officer | Stock Award | 1,581 | - |
| 2026-03-11 | DUTTON RICHARD J | Officer | Stock Award | 3,154 | - |
| 2025-11-18 | WEAKS NATHAN E | Officer of Subsidiary Company | Purchase | 1,000 | $21,490 |
PARCHER CHARLES A.
President
2026-03-11
4,376 shares
WALTZ-JASKOLSKI DONNA M
Officer
2026-03-11
1,176 shares
CURRY ROBERT L JR
Officer
2026-03-11
1,323 shares
KESSLER CARL A III
Officer
2026-03-11
1,614 shares
EDWARDS RUSSELL L JR.
Officer
2026-03-11
1,121 shares
WHINNEM IAN
Chief Financial Officer
2026-03-11
2,313 shares
KATITUS ROBERT L.
Officer
2026-03-11
1,544 shares
DOUCETTE VERONICA G
Officer
2026-03-11
908 shares
SHAFFER DENNIS G
Chief Executive Officer
2026-03-11
6,685 shares
MULFORD MICHAEL D
Officer
2026-03-11
1,361 shares
MORRISON LANCE A
Officer
2026-03-11
1,581 shares
DUTTON RICHARD J
Officer
2026-03-11
3,154 shares
WEAKS NATHAN E
Officer of Subsidiary Company
2025-11-18
1,000 shares
·
$21,490
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
6 analysts
Piper Sandler
2026-04-02
Neutral
Neutral
DA Davidson
2026-01-30
Buy
Buy
Keefe, Bruyette & Woods
2026-01-30
Outperform
Outperform
DA Davidson
2025-11-21
Buy
Buy
Keefe, Bruyette & Woods
2025-10-24
Outperform
Outperform
Past News Coverage
Recent headlines mentioning CIVB from our newsroom.
Newest → oldest
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