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CIVB Overview

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$
0.000
0.000(0.000%)
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0.000(0.000%)Aft-market
ET
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0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
OverviewStock Price PredictionTechnicalValuationFinancialsEarningsShould I BuyNews & Events
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Intellectia

Loading chart...

High
22.690
Open
22.690
VWAP
22.55
Vol
16.73K
Mkt Cap
463.02M
Low
22.460
Amount
377.16K
EV/EBITDA(TTM)
10.29
Total Shares
20.74M
EV
669.88M
EV/OCF(TTM)
10.84
P/S(TTM)
2.36
Civista Bancshares, Inc. is a financial holding company. The Company, through its subsidiary, Civista Bank, is engaged in providing full-service banking, commercial lending, mortgage and wealth management services. Civista Bank, through its locations in Ohio counties of Erie, Crawford, Champaign, Cuyahoga, Franklin, Huron, Logan, Madison, Montgomery, Ottawa, Richland, Henry, Wood and Summit, in the Indiana counties of Dearborn and Ripley and in the Kentucky county of Kenton, conducts a general banking business that involves collecting customer deposits, making loans, purchasing securities, and offering Trust services. It is also engaged in a general equipment leasing and financing business through its Civista Leasing & Financing (CLF) division. Civista Wealth Management division offers investment advisory services to individuals, families, businesses, and non-profits with personalized investment management, 401(k) advisory services for employers, financial planning, and trust services.
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Events Timeline

(ET)
2026-03-02
07:20:00
Civista Bancshares CEO Dennis Shaffer to Retire on August 28
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2026-01-29 (ET)
2026-01-29
08:00:00
Civista Fourth Quarter Net Income Rises to $12.3 Million
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2026-01-28 (ET)
2026-01-28
07:10:00
Civista Bancshares Declares Quarterly Dividend of 18 Cents
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2025-10-23 (ET)
2025-10-23
07:17:09
Civista Bancshares Announces Q3 Earnings Per Share of 68 Cents, Exceeding Consensus Estimate of 59 Cents
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2025-10-14 (ET)
2025-10-14
16:52:41
Civista Bancshares and The Farmers Savings Bank Obtain Full Approval for Merger
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2025-08-13 (ET)
2025-08-13
16:56:25
Civista Bancshares promotes Robert Katitus to chief lending officer
select

News

PRnewswire
9.5
03-19PRnewswire
Civista Bancshares to Release Q1 2026 Financial Results on April 22
  • Earnings Release Schedule: Civista Bancshares will issue its Q1 2026 financial results before market open on April 22, 2026, reflecting the company's commitment to transparency and investor communication.
  • Conference Call Details: The company will host a conference call at 1:00 p.m. Eastern Time on the same day, allowing analysts to participate in a Q&A session, thereby enhancing market interaction and information sharing.
  • Webcast Access: The earnings call will be available via live webcast on the company's website, facilitating real-time information access for investors, with an archived version provided shortly after the live event to ensure information availability.
  • Company Background: Civista Bancshares, a financial holding company based in Ohio with $4.4 billion in assets, operates Civista Bank, which offers comprehensive banking and wealth management services, demonstrating its solid position in the regional market.
Newsfilter
9.5
03-19Newsfilter
Civista Bancshares to Release Q1 2026 Financial Results on April 22
  • Earnings Release Schedule: Civista Bancshares will issue its Q1 2026 financial results before market open on April 22, 2026, reflecting the company's commitment to transparency and investor relations.
  • Conference Call Details: On the same day, Civista will host a conference call at 1:00 p.m. Eastern Time, allowing analysts to participate in a Q&A session, thereby enhancing engagement with investors.
  • Webcast Information: The call will be available via live webcast on the company's website, ensuring timely access to financial information for investors and improving communication efficiency.
  • Company Background: Civista Bancshares, headquartered in Sandusky, Ohio, is a $4.4 billion financial holding company, with its subsidiary Civista Bank offering comprehensive banking and wealth management services, demonstrating its solid market position.
seekingalpha
5.0
03-02seekingalpha
Civista Bancshares CEO Dennis Shaffer to Retire in 2026
  • Executive Transition: Dennis Shaffer, CEO of Civista Bancshares, will retire on August 28, 2026, with current President Charles Parcher set to assume the CEO role, ensuring a smooth leadership transition for the company.
  • Leadership Support: Shaffer will remain as chairman to support the new CEO's transition, which is expected to maintain strategic consistency and stability, thereby enhancing investor confidence in the company's future.
  • Financial Performance: Civista Bancshares reported a GAAP EPS of $0.61 for Q4 2025, beating estimates by $0.06, while revenue reached $46.33 million, exceeding expectations by $0.81 million, indicating robust financial health.
  • Future Outlook: The company anticipates mid-single-digit loan growth and an expanding net interest margin in 2026, alongside the integration of Farmers Savings Bank, reflecting a proactive strategic positioning in the competitive market.
Yahoo Finance
9.5
01-30Yahoo Finance
Civista Bancshares Reports 24% Net Income Growth in Q4 2025
  • Net Income Growth: Civista Bancshares reported a net income of $12.3 million for Q4 2025, marking a 24% increase over the same quarter in 2024, indicating a significant enhancement in profitability that boosts investor confidence.
  • Interest Income Increase: The net interest income for the quarter reached $36.5 million, reflecting a 5.5% increase from the previous quarter and a 16% increase year-over-year, with the net interest margin expanding to 3.69%, showcasing strong performance in interest revenue.
  • Dividend Increase: The company announced an increase in its quarterly dividend to $0.18 per share, representing a $0.01 increase over the prior quarter, which reflects confidence in future earnings potential and helps attract more investors.
  • Efficiency Ratio Improvement: The efficiency ratio improved from 68.3% in the prior year's fourth quarter to 57.7%, demonstrating effective cost management that further enhances overall operational efficiency.
seekingalpha
9.5
01-29seekingalpha
Civista Bancshares Q4 2025 Earnings Call Highlights
  • Net Income Growth: Civista Bancshares reported a net income of $12.3 million for Q4 2025, translating to $0.61 per diluted share, which represents a $2.4 million or 24% increase compared to Q4 2024, indicating sustained improvement in profitability.
  • Acquisition Impact: The completion of the Farmers Savings Bank acquisition added $106 million in loans and $236 million in low-cost deposits, although the associated nonrecurring expenses impacted net income by $3.4 million, the overall business expansion remains positive.
  • Interest Income Increase: Net interest income for the quarter totaled $36.5 million, reflecting a $1.9 million or 5.5% increase from the linked quarter and a $5.1 million or 16% increase year-over-year, showcasing the company's robust performance in interest income.
  • Future Outlook: Management anticipates mid-single-digit loan growth in 2026 while aiming to maintain a loan-to-deposit ratio within the 90% to 95% range, leveraging the excess deposits from the acquisition to support organic growth.
seekingalpha
9.5
01-29seekingalpha
Civista Bancshares Q4 Earnings Beat Expectations
  • Earnings Beat: Civista Bancshares reported a Q4 GAAP EPS of $0.61, exceeding expectations by $0.06, despite a $3.4 million pre-tax negative impact from merger-related non-recurring adjustments, indicating robust profitability.
  • Significant Revenue Growth: The company achieved Q4 revenue of $46.33 million, a 14.7% year-over-year increase that surpassed expectations by $0.81 million, reflecting strong business momentum and sustained market demand.
  • Improved Efficiency Ratio: The efficiency ratio improved to 57.7%, down from 68.3% in Q4 2024 and 61.4% in Q3 2025, demonstrating ongoing efforts in cost control and operational efficiency.
  • Net Interest Margin Increase: The tax-equivalent net interest margin for Q4 was 3.69%, up from 3.36% in Q4 2024, indicating effective interest income management, although return on equity slightly decreased to 9.26%.
Wall Street analysts forecast CIVB stock price to rise
2 Analyst Rating
Wall Street analysts forecast CIVB stock price to rise
2 Buy
0 Hold
0 Sell
Moderate Buy
Current: 0.000
sliders
Low
26.00
Averages
26.50
High
27.00
Current: 0.000
sliders
Low
26.00
Averages
26.50
High
27.00
Keefe Bruyette
Outperform
maintain
$27 -> $28
AI Analysis
2026-01-30
Reason
Keefe Bruyette
Price Target
$27 -> $28
AI Analysis
2026-01-30
maintain
Outperform
Reason
Keefe Bruyette raised the firm's price target on Civista Bancshares to $28 from $27 and keeps an Outperform rating on the shares.
DA Davidson
Jeff Rulis
Buy
initiated
$26
2025-10-27
Reason
DA Davidson
Jeff Rulis
Price Target
$26
2025-10-27
initiated
Buy
Reason
DA Davidson analyst Jeff Rulis assumed coverage of Civista Bancshares with a Buy rating and $26 price target following the Q3 report. The firm is "encouraged" by the bank's positive trends in the core business. Civista's is seeing net interest income traction and its loan outlook "should thaw soon," the analyst tells investors in a research note.
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Valuation Metrics

The current forward P/E ratio for Civista Bancshares Inc (CIVB.O) is 8.65, compared to its 5-year average forward P/E of 8.60. For a more detailed relative valuation and DCF analysis to assess Civista Bancshares Inc's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
8.60
Current PE
8.65
Overvalued PE
10.04
Undervalued PE
7.15

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.00
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
0.00
Undervalued EV/EBITDA
0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
2.10
Current PS
2.41
Overvalued PS
2.58
Undervalued PS
1.62

Financials

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Whales Holding CIVB

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-4.76%
3M Return

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Frequently Asked Questions

What is Civista Bancshares Inc (CIVB) stock price today?

The current price of CIVB is 22.49 USD — it has increased 0.72

What is Civista Bancshares Inc (CIVB)'s business?

Civista Bancshares, Inc. is a financial holding company. The Company, through its subsidiary, Civista Bank, is engaged in providing full-service banking, commercial lending, mortgage and wealth management services. Civista Bank, through its locations in Ohio counties of Erie, Crawford, Champaign, Cuyahoga, Franklin, Huron, Logan, Madison, Montgomery, Ottawa, Richland, Henry, Wood and Summit, in the Indiana counties of Dearborn and Ripley and in the Kentucky county of Kenton, conducts a general banking business that involves collecting customer deposits, making loans, purchasing securities, and offering Trust services. It is also engaged in a general equipment leasing and financing business through its Civista Leasing & Financing (CLF) division. Civista Wealth Management division offers investment advisory services to individuals, families, businesses, and non-profits with personalized investment management, 401(k) advisory services for employers, financial planning, and trust services.

What is the price predicton of CIVB Stock?

Wall Street analysts forecast CIVB stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for CIVB is26.50 USD with a low forecast of 26.00 USD and a high forecast of 27.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is Civista Bancshares Inc (CIVB)'s revenue for the last quarter?

Civista Bancshares Inc revenue for the last quarter amounts to 44.06M USD, increased 15.11

What is Civista Bancshares Inc (CIVB)'s earnings per share (EPS) for the last quarter?

Civista Bancshares Inc. EPS for the last quarter amounts to 0.61 USD, decreased -8.96

How many employees does Civista Bancshares Inc (CIVB). have?

Civista Bancshares Inc (CIVB) has 526 emplpoyees as of March 31 2026.

What is Civista Bancshares Inc (CIVB) market cap?

Today CIVB has the market capitalization of 463.02M USD.