CIVB - Civista Bancshares Inc Stock Price, Fair Value and News

14.28USD-0.50 (-3.38%)Market Closed

Market Summary

USD14.28-0.50

Market Closed

-3.38%

CIVB Stock Price

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CIVB RSI Chart

CIVB Valuation

Market Cap

224.0M

Price/Earnings (Trailing)

5.21

Price/Sales (Trailing)

1.23

EV/EBITDA

0.88

Price/Free Cashflow

3.78

CIVB Price/Sales (Trailing)

CIVB Profitability

EBT Margin

27.70%

Return on Equity

11.55%

Return on Assets

1.11%

Free Cashflow Yield

26.46%

CIVB Fundamentals

CIVB Revenue

Revenue (TTM)

182.7M

Rev. Growth (Yr)

21.41%

Rev. Growth (Qtr)

13.73%

CIVB Earnings

Earnings (TTM)

43.0M

Earnings Growth (Yr)

1.1K%

Earnings Growth (Qtr)

-7.05%

Breaking Down CIVB Revenue

Last 7 days

-5.7%

Last 30 days

-7.1%

Last 90 days

-16.4%

Trailing 12 Months

-7.9%

How does CIVB drawdown profile look like?

CIVB Financial Health

CIVB Investor Care

Dividend Yield

4.8%

Dividend/Share (TTM)

0.69

Buy Backs (1Y)

0.23%

Diluted EPS (TTM)

2.73

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
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
Mar 14, 2024	parcher charles a.	bought	14,402	14.4025	1,000	senior vice president
Mar 12, 2024	dutton richard j	acquired	-	-	1,996	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	edwards russell l jr	acquired	-	-	715	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	michel todd a	acquired	-	-	872	senior vice president
Mar 12, 2024	parcher charles a.	acquired	-	-	1,996	senior vice president
Mar 12, 2024	curry robert l jr	acquired	-	-	822	senior vice president

Which funds bought or sold CIVB recently?

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Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
Apr 29, 2024	COMMONWEALTH EQUITY SERVICES, LLC	new	-	160,000	160,000	-%
Apr 29, 2024	Allspring Global Investments Holdings, LLC	unchanged	-	-373	1,876	-%
Apr 26, 2024	SALZHAUER MICHAEL	unchanged	-	-59,425	298,680	0.23%
Apr 25, 2024	Bank of New York Mellon Corp	reduced	-3.33	-421,136	1,752,520	-%
Apr 24, 2024	Assenagon Asset Management S.A.	added	35.92	85,963	729,335	-%
Apr 24, 2024	FORT WASHINGTON INVESTMENT ADVISORS INC /OH/	unchanged	-	-	2,117,720	0.01%
Apr 24, 2024	RITHOLTZ WEALTH MANAGEMENT	new	-	1,347,230	1,347,230	0.05%
Apr 23, 2024	AMALGAMATED BANK	reduced	-61.53	-17,000	8,000	-%
Apr 23, 2024	Gradient Investments LLC	sold off	-100	-387	-	-%
Apr 22, 2024	Nicholas Hoffman & Company, LLC.	unchanged	-	-110,389	554,834	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

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
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
Apr 17, 2024	8-K	Current Report
Apr 17, 2024	8-K	Current Report
Apr 08, 2024	8-K	Current Report
Mar 14, 2024	ARS	ARS
Mar 14, 2024	DEF 14A	DEF 14A
Mar 14, 2024	4/A	Insider Trading

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	552.3B	171.1B	-4.27%	35.79%	11.15	3.23	60.72%	31.52%
BAC	289.4B	127.4B	-2.40%	27.44%	11.56	2.27	44.27%	-12.56%
WFC	212.2B	85.7B	2.35%	48.02%	11.09	2.48	41.49%	39.96%
C	117.2B	133.3B	-3.02%	29.80%	12.7	0.88	79.09%	-
CFG	15.6B	10.2B	-6.01%	20.11%	9.73	1.53	44.53%	-22.43%
KEY	13.5B	7.9B	-8.35%	35.17%	13.99	1.71	46.47%	-49.56%
MID-CAP
CMA	6.7B	4.2B	-8.77%	18.05%	9.57	1.57	34.68%	-45.96%
ZION	6.0B	3.9B	-6.04%	52.05%	8.88	1.53	45.91%	-25.03%
ABCB	3.3B	1.3B	-1.86%	45.15%	12.18	2.56	43.24%	-22.35%
ASB	3.2B	1.8B	-2.05%	22.22%	19.76	1.73	32.64%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
ALRS	388.8M	164.9M	-9.76%	37.38%	33.25	2.36	42.66%	-70.76%
AROW	368.6M	162.6M	-10.99%	2.96%	12.26	2.27	25.39%	-38.37%
ACNB	276.8M	96.6M	-13.46%	11.06%	8.73	2.86	11.02%	-11.37%
ASRV	41.5M	60.9M	-6.92%	-17.97%	-12.4	0.68	24.06%	-144.92%

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	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Revenue	13.7%	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	24.00
EBITDA Margin	-5.2%	1.02*	1.08*	1.20*	1.28*	1.33*	1.38*	1.39*	1.41*	1.43*	1.41*	1.38*	1.34*	-	-	-	-	-	-	-	-	-
Interest Expenses	-4.6%	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	21.00
Income Taxes	-15.0%	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	1.00
Earnings Before Taxes	-8.3%	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	9.00
EBT Margin	-13.4%	0.28*	0.32*	0.35*	0.38*	0.39*	0.42*	0.43*	0.45*	0.48*	0.46*	0.44*	0.41*	-	-	-	-	-	-	-	-	-
Net Income	-7.0%	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	2.00
Net Income Margin	22.7%	0.24*	0.19*	0.21*	0.22*	0.22*	0.35*	0.36*	0.38*	0.40*	0.39*	0.37*	0.35*	-	-	-	-	-	-	-	-	-
Free Cashflow	-95.9%	1.00	21.00	19.00	19.00	-5.54	-20.74	36.00	9.00	6.00	14.00	3.00	16.00	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Assets	3.4%	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	2,139
Cash Equivalents	20.1%	60.00	50.00	41.00	53.00	43.00	41.00	233	413	264	253	245	435	137	195	197	256	47.00	-	-	-	42.00
Net PPE	-3.8%	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	22.00
Goodwill	0.4%	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	77.00
Liabilities	2.6%	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	1,840
Shareholder's Equity	11.8%	372	333	350	348	335	303	302	328	355	348	352	350	350	342	337	328	330	329	324	312	299
Retained Earnings	4.0%	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	41.00
Shares Outstanding	-	15.00	-	-	-	15.00	15.00	15.00	15.00	15.00	15.00	16.00	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	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Cashflow From Operations	-90.2%	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	137
Cashflow From Investing	27.7%	-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	-74,883
Cashflow From Financing	-13.4%	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	52,771
Dividend Payments	-0.4%	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	2,345
Buy Backs	-99.3%	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	-	-	-	-	-

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CIVB Income Statement

2023-12-31

Consolidated Statements of Operations - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Interest and dividend income
Loans, including fees	$ 160,755	$ 108,053	$ 92,882
Taxable securities	11,718	9,123	5,473
Tax-exempt securities	9,282	7,859	6,250
Federal funds sold and other	979	1,120	449
Total interest and dividend income	182,734	126,155	105,054
Interest expense
Deposits	33,755	3,840	4,175
Federal Home Loan Bank advances	14,559	3,076	1,163
Subordinated debentures	4,849	3,781	955
Securities sold under agreements to repurchase and other	4,075	5,254	3,336
Total interest expense	57,238	15,951	9,629
Net interest income	125,496	110,204	95,425
Provision for credit losses	4,435	1,752	830
Net interest income after provision for credit losses	121,061	108,452	94,595
Noninterest Income
Service charges	7,206	7,074	5,905
Net gain on sale of securities	0	10	1,786
Net gain (loss) on equity securities	(21)	118	186
Net gain on sale of loans and leases	2,908	3,397	8,042
ATM/Interchange fees	5,880	5,499	5,443
Wealth management fees	4,767	4,902	4,857
Lease revenue & residual income	7,595	2,310
Bank owned life insurance	1,112	984	1,200
Tax refund processing fees	2,375	2,375	2,375
Swap fees	673	247	207
Other	4,668	2,160	1,451
Total noninterest income	37,163	29,076	31,452
Noninterest expense
Compensation expense	58,291	51,061	44,690
Net occupancy expense	5,395	4,701	4,213
Equipment expense	11,085	5,070	1,838
Contracted data processing	2,242	2,788	1,725
FDIC Assessment	1,637	797	1,056
State franchise tax	2,026	1,975	2,184
Professional services	4,952	5,388	2,715
Amortization of intangible assets	1,579	1,296	890
ATM/Interchange expense	2,420	2,248	2,314
Marketing expense	1,352	1,513	1,103
Software maintenance expenses	4,167	3,433	2,755
Other operating expenses	12,465	10,223	12,183
Total noninterest expense	107,611	90,493	77,666
Income before income taxes	50,613	47,035	48,381
Income taxes	7,649	7,608	7,835
Net income	42,964	39,427	40,546
Net income available to common shareholders	$ 42,964	$ 39,427	$ 40,546
Earnings per common share, basic	$ 2.73	$ 2.6	$ 2.63
Earnings per common share, diluted	$ 2.73	$ 2.6	$ 2.63

CIVB Balance Sheet

2023-12-31

Consolidated Balance Sheets - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
ASSETS
Cash and due from financial institutions	$ 60,406	$ 43,361
Cash and cash equivalents	60,406	43,361
Investments in time deposits	1,225	1,477
Securities available for sale	618,272	615,402
Equity securities	2,169	2,190
Loans held for sale	1,725	683
Loans, net of allowance of $37,160 and $28,511	2,824,568	2,619,770
Other securities	29,998	33,585
Premises and equipment, net	56,769	64,018
Accrued interest receivable	12,819	11,178
Goodwill	125,520	125,695
Other intangible assets	9,508	10,759
Bank owned life insurance	61,335	53,543
Swap assets	12,481	16,579
Deferred taxes	18,357	18,449
Other assets	26,266	22,756
Total assets	3,861,418	3,639,445
Deposits
Noninterest-bearing	771,699	896,333
Interest-bearing	2,213,329	1,723,651
Total deposits	2,985,028	2,619,984
Short-term Federal Home Loan Bank advances	338,000	393,700
Long-term Federal Home Loan Bank advances	2,392	3,578
Securities sold under agreement to repurchase	0	25,143
Subordinated debentures	103,943	103,799
Secured borrowings	0	101,615
Other borrowings	9,859	15,516
Swap liabilities	12,481	16,579
Accrued expenses and other liabilities	37,713	24,696
Total liabilities	3,489,416	3,304,610
SHAREHOLDERS’ EQUITY
Common stock, no par value, 40,000,000 shares authorized, 19,288,674 shares issued at December 31, 2023 and 19,231,061 shares issued at December 31, 2022	311,166	310,182
Accumulated earnings	183,788	156,492
Treasury stock, 3,593,250 common shares at December 31, 2023 and 3,502,827 common shares at December 31, 2022, at cost	(75,422)	(73,794)
Accumulated other comprehensive loss	(47,530)	(58,045)
Total shareholders’ equity	372,002	334,835
Total liabilities and shareholders’ equity	$ 3,861,418	$ 3,639,445

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 Tue Apr 30 2024, market cap of Civista Bancshares Inc is 224.01 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 Tue Apr 30 2024, CIVB's PE ratio (Price to Earnings) is 5.21 and Price to Sales (PS) ratio is 1.23. 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 0.067 (multiply by 100 for percentage) rate of return.