CIVB
Civista Bancshares, Inc.
$27.48
+0.05
(+0.18%)
Mkt Cap
571.13M
Volume
119,528
52W Range
19.82-29.97
Sector
Financial Services
Beta
0.65
EPS (TTM)
2.70 USD
P/E Ratio
10.18
Revenue (TTM)
224.51M USD
Rev Growth (5Y)
+15.1%
EPS Growth (5Y)
+5.7%
AlphaVal · Fair Value
What we estimate one share is worth
$39.45
Undervalued
moderate signal
30.3% below fair value
Modeled from cash flows & growth.
AlphaQuality · Grade
How strong & durable the business is
B-
Banks, Insurers & Asset Managers
64.3 / 100 composite
A bank, insurer or asset manager — graded A–F vs. similar companies.
Company Description
Serving as the financial holding company for Civista Bank, Civista Bancshares, Inc. delivers comprehensive community banking services. The company actively gathers various customer deposits and provides a broad spectrum of lending products, encompassing commercial, agricultural, residential and commercial real estate, farm real estate, and construction loans, as well as consumer credit and letters of credit. Beyond banking, it also acquires securities and offers trust services alongside third-party insurance. With approximately 42 branch locations, Civista Bancshares extends its reach across Northern, Central, Southwestern, and Northwestern Ohio, in addition to Southeastern Indiana and Northern Kentucky. Founded in 1884, the company is headquartered in Sandusky, Ohio, and officially changed its name from First Citizens Banc Corp to Civista Bancshares, Inc. in May 2015.
Track Record
Showing latest 4 periods • Swipe for more
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 254.95M | 241.90M | 217.48M | 152.98M | 134.19M | 126.18M | 118.61M | 90.74M | 74.08M | 69.09M | 64.31M | 59.04M |
| Net Income | 46.21M | 31.68M | 42.96M | 39.43M | 40.55M | 32.19M | 33.88M | 14.14M | 15.87M | 17.22M | 12.74M | 9.53M |
| EPS | 2.64 | 2.01 | 2.73 | 2.60 | 2.63 | 2.00 | 2.16 | 1.02 | 1.48 | 1.96 | 1.43 | 0.99 |
| Free Cash Flow | 42.12M | 44.06M | 59.27M | 18.68M | 38.83M | 30.68M | 35.60M | 18.15M | 19.80M | 15.27M | 13.07M | 14.40M |
| FCF / Share | 2.41 | 2.86 | 3.91 | 1.25 | 2.53 | 1.91 | 2.27 | 1.31 | 2.00 | 1.91 | 1.67 | 1.87 |
| Operating CF | 43.27M | 48.25M | 62.70M | 25.18M | 40.76M | 32.65M | 38.80M | 19.62M | 20.82M | 17.71M | 15.07M | 14.89M |
| Total Assets | 4.34B | 4.10B | 3.86B | 3.64B | 3.01B | 2.77B | 2.31B | 2.14B | 1.53B | 1.38B | 1.32B | 1.21B |
| Total Debt | 284.18M | 450.88M | 454.19M | 643.35M | 204.23M | 183.34M | 274.60M | 245.23M | 123.08M | 106.85M | 125.67M | 116.24M |
| Cash & Equiv | 78.48M | 64.61M | 61.63M | 44.84M | 255.19M | 128.22M | 48.53M | 42.78M | 40.52M | 36.70M | 35.56M | 29.86M |
| Book Value | 543.47M | 388.50M | 372.00M | 334.83M | 355.21M | 350.11M | 330.13M | 298.90M | 184.46M | 137.62M | 125.17M | 115.91M |
| Return on Equity | 0.09 | 0.08 | 0.12 | 0.12 | 0.11 | 0.09 | 0.10 | 0.05 | 0.09 | 0.13 | 0.10 | 0.08 |
| Metric | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 39.28M | 55.81M | 65.62M | 63.80M | 62.18M | 61.01M | 61.58M | 61.81M | 60.50M | 57.76M | 60.29M | 54.11M |
| Net Income | 14.31M | 14.99M | 12.27M | 12.76M | 11.02M | 10.17M | 9.89M | 8.37M | 7.06M | 6.36M | 9.65M | 10.39M |
| EPS | 0.69 | 0.72 | 0.61 | 0.68 | 0.71 | 0.66 | 0.63 | 0.53 | 0.45 | 0.41 | 0.61 | 0.66 |
| Free Cash Flow | 16.71M | 11.74M | 9.39M | 18.41M | 10.86M | 3.45M | 18.53M | 12.81M | 12.19M | 629,000 | 840,000 | 20.66M |
| FCF / Share | 0.80 | 0.57 | 0.47 | 1.11 | 0.70 | 0.22 | 1.20 | 0.83 | 0.81 | 0.04 | 0.06 | 1.36 |
| Operating CF | 17.11M | 12.18M | 9.61M | 18.97M | 11.08M | 3.61M | 22.62M | 12.90M | 12.19M | 752,000 | 2.10M | 21.47M |
| Total Assets | 4.29B | 4.30B | 4.34B | 4.11B | 4.19B | 4.15B | 4.10B | 4.06B | 4.01B | 3.88B | 3.86B | 3.73B |
| Total Debt | 228.38M | 210.83M | 284.18M | 341.88M | 544.15M | 471.62M | 450.88M | 399.03M | 613.52M | 482.80M | 454.19M | 550.71M |
| Cash & Equiv | 61.74M | 83.53M | 78.48M | 63.50M | 74.57M | 91.42M | 64.61M | 76.11M | 57.21M | 51.76M | 61.63M | 51.79M |
| Book Value | 566.78M | 552.24M | 543.47M | 499.03M | 404.14M | 397.43M | 388.50M | 394.44M | 373.81M | 369.66M | 372.00M | 332.75M |
| Return on Equity | 0.03 | 0.03 | 0.02 | 0.03 | 0.03 | 0.03 | 0.03 | 0.02 | 0.02 | 0.02 | 0.03 | 0.03 |
CIVB News
Dividend Champion, Contender, And Challenger Highlights: Week August 16
Why Civista Bancshares (CIVB) is a Great Dividend Stock Right Now
CIVISTA BANCSHARES, INC. ANNOUNCES REVISED RECORD DATE FOR THIRD QUARTER COMMON DIVIDEND
Civista Bancshares, Inc. (CIVB) Q2 2026 Earnings Call Transcript
Civista Bancshares Q2 Earnings Call Highlights
Compared to Estimates, Civista Bancshares (CIVB) Q2 Earnings: A Look at Key Metrics
Civista Bancshares (CIVB) Surpasses Q2 Earnings Estimates
Civista Bancshares, Inc. Announces Second-Quarter 2026 Net Income of $14.3 million, up $3.3 million from Second-Quarter 2025
CIVISTA BANCSHARES, INC. ANNOUNCES THIRD QUARTER COMMON DIVIDEND
Why Civista Bancshares (CIVB) is a Top Dividend Stock for Your Portfolio