Financhill
Buy
58

CIVB Quote, Financials, Valuation and Earnings

Last price:
$20.34
Seasonality move :
4.96%
Day range:
$19.59 - $20.06
52-week range:
$13.60 - $23.70
Dividend yield:
3.19%
P/E ratio:
9.98x
P/S ratio:
2.06x
P/B ratio:
0.80x
Volume:
28.4K
Avg. volume:
56.1K
1-year change:
17.65%
Market cap:
$315.7M
Revenue:
$160.2M
EPS (TTM):
$2.01

Analysts' Opinion

  • Consensus Rating
    Civista Bancshares has received a consensus rating of Buy. The company's average rating is a Buy based on 3 Buy ratings, 2 Hold ratings, and 0 Sell ratings.
  • Price Target Upside
    According to analysts' consensus price target of $23.83, Civista Bancshares has an estimated upside of 18.81% from its current price of $20.06.
  • Price Target Downside
    According to analysts, the lowest downside price target is $21.00 representing 100% downside risk from its current price of $20.06.

Fair Value

  • According to the consensus of 5 analysts, Civista Bancshares has 18.81% upside to fair value with a price target of $23.83 per share.

CIVB vs. S&P 500

  • Over the past 5 trading days, Civista Bancshares has overperformed the S&P 500 by 1.8% suggesting its relative strength compared to the major market average is strong at this time.

Share Buyback

  • Civista Bancshares does have a share repurchase program in place at this time. The scale of a buyback program can materially affect share price and usually results in a higher earnings per share, all else being equal, when the share count drops.

Revenue Growth

  • Civista Bancshares revenues have been falling on a year-over-year basis for 4 quarters in a row. In the most recent quarter Civista Bancshares reported revenues of $38.3M.

Earnings Growth

  • Civista Bancshares earnings have been falling on a year-over-year basis for 5 quarters in a row. In the most recent quarter Civista Bancshares reported earnings per share of $0.53.
Enterprise value:
11.8M
EV / Invested capital:
--
Price / LTM sales:
2.06x
EV / EBIT:
0.10x
EV / Revenue:
0.08x
PEG ratio (5yr expected):
--
EV / Free cash flow:
0.45x
Price / Operating cash flow:
11.78x
Enterprise value / EBITDA:
--
Gross Profit (TTM):
--
Return On Assets:
0.8%
Net Income Margin (TTM):
20.9%
Return On Equity:
8.53%
Return On Invested Capital:
3.62%
Operating Margin:
--
Trailing 12 Months Fiscal Quarters
Period Ending 2022-09-30 2023-09-30 2024-09-30 2023-09-30 2024-09-30
Income Statement
Revenue $124.7M $164M $150.5M $39M $38.3M
Gross Profit -- -- -- -- --
Operating Income -- -- -- -- --
EBITDA -- -- -- -- --
Diluted EPS $2.55 $2.89 $2.01 $0.66 $0.53
Period Ending 2020-09-30 2021-09-30 2022-09-30 2023-09-30 2024-09-30
Balance Sheet
Current Assets $595.6M $764.9M $672.1M $723M $772M
Total Assets $2.8B $3B $3.2B $3.7B $4.1B
Current Liabilities $25.8M $23.3M $80.5M $433.7M $287M
Total Liabilities $2.5B $2.6B $2.9B $3.4B $3.7B
Total Equity $342.1M $348.5M $302.6M $332.7M $394.4M
Total Debt $154.4M $104.4M $165.5M $549M $399M
Trailing 12 Months Fiscal Quarters
Period Ending 2022-09-30 2023-09-30 2024-09-30 2023-09-30 2024-09-30
Cash Flow Statement
Cash Flow Operations $33.9M $58.4M $27.7M $21.5M $12.9M
Cash From Investing -$254.3M -$419.4M -$282M -$131.3M -$23.1M
Cash From Financing $10.6M $370.5M $278.7M $118.8M $29.1M
Free Cash Flow $30.4M $52.9M $26.4M $20.7M $12.8M
CIVB
Sector
Market Cap
$315.7M
$661.4M
Price % of 52-Week High
84.66%
86.66%
Dividend Yield
3.19%
2.03%
Shareholder Yield
-6.17%
3.87%
1-Year Price Total Return
17.65%
6.93%
Beta (5-Year)
0.819
0.738
Dividend yield:
3.19%
Annualized payout:
$0.61
Payout ratio:
31.98%
Growth streak:
12 years

SEE THE 1% OF STOCKS YOU NEED TO OWN FOR MASSIVE RETURNS

GET BETTER TRADE IDEAS

Technicals

8-day SMA
Buy
Level $19.90
200-day SMA
Buy
Level $17.42
Bollinger Bands (100)
Buy
Level 17.28 - 22
Chaikin Money Flow
Buy
Level 2.5M
20-day SMA
Sell
Level $20.88
Relative Strength Index (RSI14)
Sell
Level 41.65
ADX Line
Sell
Level 44.88
Williams %R
Neutral
Level -51.1226
50-day SMA
Sell
Level $21.79
MACD (12, 26)
Sell
Level -0.61
25-day Aroon Oscillator
Sell
Level -88
On Balance Volume
Neutral
Level 4.5M

Financial Scores

Sell
Altman Z-Score (Annual)
Level (0.3811)
Sell
CA Score (Annual)
Level (-2.1825)
--
Beneish M-Score (Annual)
Level (--)
Buy
Momentum Score
Level (9)
Sell
Ohlson Score
Level (2.3318)
--
Piotroski F Score (Annual)
Level (--)
--
Quality Ratio Score
Level (--)
Buy
Fundamental Score
Level (8)

Revenue Forecast

Earnings per Share Forecast

Company Profile

Civista Bancshares Inc is a financial holding company. Operating through its subsidiary, it engages in the business of community banking. Its business activity involves collecting customer deposits, making loans, purchasing securities, and offering trust services to its clients. The company's loan portfolio includes commercial and agriculture, commercial real estate-owner occupied, commercial real estate non-owner occupied, residential real estate, real estate construction, and consumer loans. Majority of its revenues are derived from the interest and fees gained on loans.

Stock Forecast FAQ

In the current month, CIVB has received 3 Buy ratings 2 Hold ratings, and 0 Sell ratings. The CIVB average analyst price target in the past 3 months is $23.83.

  • Where Will Civista Bancshares Stock Be In 1 Year?

    According to analysts, the consensus estimate is that Civista Bancshares share price will rise to $23.83 per share over the next 12 months.

  • What Do Analysts Say About Civista Bancshares?

    Analysts are divided on their view about Civista Bancshares share price and where it will be in the next 12 months. The majority of analysts rate the stock a Buy. However, a smaller subset of analysts suggest that Civista Bancshares is a Sell and believe this share price will drop from its current level to $21.00.

  • What Is Civista Bancshares's Price Target?

    The price target for Civista Bancshares over the next 1-year time period is forecast to be $23.83 according to 5 Wall Street analysts, 3 of them rate the stock a Buy, 0 rate the stock a Sell, and 2 analysts rate the stock a Hold.

  • Is CIVB A Buy, Sell Or Hold?

    According to Wall Street analysts, the consensus rating for Civista Bancshares is a Buy. 3 of 5 analysts rate the stock a Buy at this time.

  • How Can I Buy Shares Of CIVB?

    You can purchase shares of Civista Bancshares via an online brokerage firm such as TD Ameritrade.com, thinkorswim.com, e-trade.com, TastyTrade.com, or Schwab.com. Many other digital online brokerages exist such as RobinHood and Webull where you can purchase Civista Bancshares shares.

  • What Is The Civista Bancshares Share Price Today?

    Civista Bancshares was last trading at $20.34 per share. This represents the most recent stock quote for Civista Bancshares. Yesterday, Civista Bancshares closed at $20.06 per share.

  • How To Buy Civista Bancshares Stock Online?

    In order to purchase Civista Bancshares stock online, open a brokerage account, deposit funds into the account, and select an order type to purchase shares whether it be market or limit.

SEE THE 1% OF STOCKS YOU NEED TO OWN FOR MASSIVE RETURNS

GET BETTER TRADE IDEAS

Popular

Is Target a Dividend King?
Is Target a Dividend King?

Popular retail giant Target Corporation (NYSE:TGT) has been in a…

Is COWZ ETF a Good Investment?
Is COWZ ETF a Good Investment?

There’s a reason even Warren Buffett advocates his heirs to…

3 Stocks Buffett Is Betting On
3 Stocks Buffett Is Betting On

Warren Buffett appeared to take a hard look at the…

Stock Ideas

Sell
46
Is AAPL Stock a Buy?

Market Cap: $3.5T
P/E Ratio: 38x

Sell
44
Is NVDA Stock a Buy?

Market Cap: $3.2T
P/E Ratio: 110x

Sell
40
Is MSFT Stock a Buy?

Market Cap: $3.1T
P/E Ratio: 35x

Alerts

Buy
72
HEES alert for Jan 15

H&E Equipment Services [HEES] is down 0.95% over the past day.

Sell
26
SIG alert for Jan 15

Signet Jewelers [SIG] is up 0.66% over the past day.

Sell
45
WGS alert for Jan 15

GeneDx Holdings [WGS] is up 3.72% over the past day.

THE #1 STOCK ANALYSIS TOOL
TO MAKE SMARTER BUY AND SELL DECISIONS

Show me the best stock