Stock Scorecard
Stock Summary for Civista Bancshares Inc (CIVB) - $24.64 as of 5/4/2026 7:59:29 PM EST
Total Score
20 out of 30
Safety Score
64 out of 100
Currently on the following lists
None
Tim's Recommendation
Buy
Growth List Algorithm Criteria for CIVB
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for CIVB
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for CIVB
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for CIVB
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for CIVB (64 out of 100)
| Stock Price Rating (Max of 10) | 7 |
| Historical Stock Price Rating (Max of 10) | 6 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 7 |
| Book Value to Price (Max of 10) | 6 |
| Analyst Buy Ratings (Max of 5) | 3 |
| Analyst Strong Buy Ratings (Max of 5) | 3 |
| Dividend Yield Percentage (Max of 10) | 6 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 2 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for CIVB
Financial Details for CIVB
Company Overview |
|
|---|---|
| Ticker | CIVB |
| Company Name | Civista Bancshares Inc |
| Country | USA |
| Description | Civista Bancshares, Inc. is Civista Bank's financial holding company providing community banking services. The company is headquartered in Sandusky, Ohio. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 3/31/2026 |
| Next Earnings Date | N/A |
Stock Price History |
|
| Last Day Price | 24.64 |
| Price 4 Years Ago | 19.62 |
| Last Day Price Updated | 5/4/2026 7:59:29 PM EST |
| Last Day Volume | 49,766 |
| Average Daily Volume | 87,291 |
| 52-Week High | 28.10 |
| 52-Week Low | 18.37 |
| Last Price to 52 Week Low | 34.13% |
Valuation Measures |
|
| Trailing PE | 9.25 |
| Industry PE | 18.68 |
| Sector PE | 22.87 |
| 5-Year Average PE | 12.48 |
| Free Cash Flow Ratio | 6.13 |
| Industry Free Cash Flow Ratio | 15.11 |
| Sector Free Cash Flow Ratio | 62.86 |
| Current Ratio Most Recent Quarter | 7.66 |
| Total Cash Per Share | 4.02 |
| Book Value Per Share Most Recent Quarter | 26.57 |
| Price to Book Ratio | 0.94 |
| Industry Price to Book Ratio | 1.17 |
| Sector Price to Book Ratio | 2.16 |
| Price to Sales Ratio Twelve Trailing Months | 2.92 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.22 |
| Sector Price to Sales Ratio Twelve Trailing Months | 4.74 |
| Analyst Buy Ratings | 2 |
| Analyst Strong Buy Ratings | 1 |
Share Statistics |
|
| Total Shares Outstanding | 20,783,300 |
| Market Capitalization | 512,100,512 |
| Institutional Ownership | 64.44% |
Dividends |
|
| Ex-Dividend Date | 5/5/2026 |
| Previous Dividend Amount | 0.1800 |
| Current Dividend Amount | 0.1800 |
| Total Years Dividend Increasing |
|
| Trailing Annual Dividend Rate | 0.70 |
| Trailing Annual Dividend Yield | 2.84% |
| Forward Annual Dividend Rate | 0.72 |
| Forward Annual Dividend Yield | 2.92% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 3.11% |
| 5-Year Average Dividend Yield | 3.19% |
| 1-Year Dividend Growth Rate Percentage | 5.88% |
| 3-Year Dividend Growth Rate Percentage | 2.90% |
| 5-Year Dividend Growth Rate Percentage | 6.48% |
| All-Time Dividend Growth Rate Percentage | 0.68% |
| Dividend Payout Ratio | 25.93% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 9.70% |
| Annual Earnings Growth | 45.86% |
| Reported EPS 12 Trailing Months | 2.70 |
| Reported EPS Past Year | 0.74 |
| Reported EPS Prior Year | 2.83 |
| Net Income Twelve Trailing Months | 51,031,000 |
| Net Income Past Year | 46,212,000 |
| Net Income Prior Year | 31,683,000 |
| Quarterly Revenue Growth YOY | 22.60% |
| 5-Year Revenue Growth | 15.11% |
| Operating Margin Twelve Trailing Months | 40.00% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 83,525,000 |
| Total Cash Past Year | 78,485,000 |
| Total Cash Prior Year | 64,605,000 |
| Net Cash Position Most Recent Quarter | -25,654,000 |
| Net Cash Position Past Year | -30,694,000 |
| Long Term Debt Past Year | 109,179,000 |
| Long Term Debt Prior Year | 111,883,000 |
| Total Debt Most Recent Quarter | 109,179,000 |
| Equity to Debt Ratio Past Year | 0.83 |
| Equity to Debt Ratio Most Recent Quarter | 0.83 |
| Total Stockholder Equity Past Year | 543,474,000 |
| Total Stockholder Equity Prior Year | 388,502,000 |
| Total Stockholder Equity Most Recent Quarter | 552,243,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 43,821,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 2.11 |
| Free Cash Flow Past Year | 16,865,000 |
| Free Cash Flow Prior Year | 44,060,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | False |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.00 |
| MACD Signal | 0.00 |
| 20-Day Bollinger Lower Band | 0.00 |
| 20-Day Bollinger Middle Band | 0.00 |
| 20-Day Bollinger Upper Band | 0.00 |
| Beta | 0.66 |
| RSI | 0.00 |
| 50-Day SMA | 0.00 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 18.26 |
System |
|
| Modified | 5/8/2026 8:02:41 PM EST |