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CIVB Overview

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$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
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Intellectia

Loading chart...

High
24.920
Open
24.870
VWAP
24.74
Vol
19.23K
Mkt Cap
519.38M
Low
24.655
Amount
475.84K
EV/EBITDA(TTM)
9.14
Total Shares
20.78M
EV
644.46M
EV/OCF(TTM)
8.18
P/S(TTM)
2.74
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)
2026-04-22
07:40:00
Civista Bancshares Reports Q1 Net Income of $15.0M
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2026-03-02 (ET)
2026-03-02
07:20:00
Civista Bancshares CEO Dennis Shaffer to Retire on August 28
select
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
select
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
select

News

NASDAQ.COM
9.5
09:04 AMNASDAQ.COM
Top Income Stocks to Consider Today
  • Kenvue Earnings Estimate Rise: Kenvue Inc. has seen its Zacks Consensus Estimate for current year earnings increase by 5.5% over the last 60 days, indicating strong growth potential in the consumer health sector, while its 4.7% dividend yield significantly surpasses the industry average of 0.0%, attracting more investor interest.
  • BP Earnings Estimate Surge: BP p.l.c. has experienced a remarkable 103.5% increase in its Zacks Consensus Estimate over the past 60 days, reflecting robust performance in the global energy market, and its 4.6% dividend yield is well above the industry average of 0.6%, enhancing its investment appeal.
  • Civista Earnings Estimate Growth: Civista Bancshares, Inc. has seen a 9.2% increase in its Zacks Consensus Estimate over the last 60 days, indicating solid growth as a financial holding company, while its 2.9% dividend yield slightly exceeds the industry average of 2.6%, further boosting investor confidence.
  • Strong Buy Stocks Recommendation: All three stocks have received a Zacks Rank #1 (Strong Buy), reflecting market optimism about their future performance, allowing investors to capitalize on potential income growth opportunities.
Yahoo Finance
9.5
04-24Yahoo Finance
Civista Bancshares Reports 47% Increase in Q1 Net Income
  • Significant Income Growth: Civista Bancshares Inc (NASDAQ:CIVB) reported a 47% year-over-year increase in net income for Q1 2026, indicating strong performance and enhanced profitability in the market.
  • Successful Core System Conversion: The company completed the core system conversion of Farmer Savings Bank, acquired in Q4 2025, which is expected to further enhance operational efficiency and customer service capabilities.
  • Net Interest Margin Expansion: The net interest margin expanded by 16 basis points to 3.85%, reflecting effective strategies in asset pricing and funding cost management, thereby strengthening profitability.
  • Dividend and Buyback Program: The company announced a quarterly dividend of $0.18 per share and renewed its stock repurchase program, authorizing management to repurchase up to $25 million in common shares, demonstrating confidence in future growth.
seekingalpha
9.5
04-22seekingalpha
Civista Bancshares Reports Q1 2026 Earnings with Strong Growth Indicators
  • Net Income Growth: Civista Bancshares reported a net income of $15 million for Q1 2026, translating to $0.72 per diluted share, reflecting a $2.7 million or 22% increase over the previous quarter, indicating sustained profitability improvements.
  • Deposit Structure Optimization: Core deposit funding increased organically by over $60 million, while brokered deposits were reduced by $25 million for the sixth consecutive quarter, demonstrating significant progress in lowering funding costs and enhancing financial stability.
  • Net Interest Margin Expansion: The net interest margin expanded by 16 basis points to 3.85%, primarily driven by replacing $125 million of brokered CDs at a weighted average rate of 4.23% with $100 million at 3.87%, showcasing effective interest rate management strategies.
  • Capital Return Plan: The company announced a quarterly dividend of $0.18 per share and renewed authorization to repurchase up to $25 million in common shares, reflecting management's confidence in future capital deployment and commitment to shareholder returns.
seekingalpha
9.5
04-22seekingalpha
Civista Bancshares Reports Significant Q1 Earnings Growth
  • Significant Net Income Growth: Civista Bancshares reported a net income of $15.0 million for Q1 2026, representing a $4.8 million increase or 47% compared to Q1 2025, indicating a substantial improvement in profitability.
  • Increase in Interest Income: The net interest income for the first quarter reached $37.8 million, up $5.1 million or 15.4% year-over-year, reflecting effective management in the current interest rate environment and an expanding customer base.
  • Expansion of Net Interest Margin: The net interest margin (tax-equivalent) expanded to 3.85% in Q1 2026, increasing by 34 basis points year-over-year and 16 basis points sequentially, showcasing the company's success in lowering funding costs and optimizing its balance sheet.
  • Loan Growth Expectations: Civista anticipates mid-single-digit loan growth in 2026 while integrating Farmers Savings Bank, which is expected to further enhance its net interest margin and strengthen its competitive position in the market.
PRnewswire
9.5
04-22PRnewswire
Civista Bancshares Reports $15 Million Net Income for Q1 2026
  • Merger Impact: Civista Bancshares reported a net income of $15 million for Q1 2026, translating to $0.72 per share, reflecting the positive effects of the merger with Farmers Savings Bank since November 7, 2025, indicating strong financial performance during the integration process.
  • Interest Income Growth: The net interest income increased by 15.4% year-over-year to $37.8 million in the first quarter, primarily driven by an expansion in net interest margin and growth in core deposits, showcasing significant progress in optimizing the funding mix.
  • Effective Expense Management: Although non-interest expenses rose by 10.1% to $29.9 million, Civista successfully reduced funding costs through disciplined expense control and integration strategies, enhancing liquidity and ensuring stability in a competitive market.
  • Capital Adequacy Improvement: As of March 31, 2026, total shareholders' equity reached $552.2 million, an increase of $8.8 million from December 31, 2025, reflecting ongoing efforts in risk management and capital allocation, thereby strengthening the company's resilience in the current economic environment.
Newsfilter
9.5
04-22Newsfilter
Civista Bancshares Reports 47% Increase in Q1 Net Income
  • Significant Net Income Growth: Civista Bancshares reported a net income of $15.0 million for Q1 2026, reflecting a $4.8 million increase or 47% compared to Q1 2025, indicating a strong recovery post-merger that boosts investor confidence.
  • Earnings Per Share Improvement: The diluted earnings per share for Q1 stood at $0.72, a $0.06 increase or 9% from Q1 2025, demonstrating ongoing enhancements in profitability that may attract more investor interest.
  • Net Interest Margin Expansion: The net interest margin reached 3.85% in Q1 2026, up 34 basis points year-over-year, showcasing effective management in reducing funding costs and optimizing the balance sheet, which further enhances profitability.
  • Steady Deposit Growth: Total deposits increased by $35.4 million or 1.0% in Q1, indicating success in attracting customer deposits, which strengthens the company's liquidity and competitive position in the market.
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
Piper Sandler
Adam Kroll
Neutral
maintain
$25 -> $27
AI Analysis
2026-04-24
Reason
Piper Sandler
Adam Kroll
Price Target
$25 -> $27
AI Analysis
2026-04-24
maintain
Neutral
Reason
Piper Sandler analyst Adam Kroll raised the firm's price target on Civista Bancshares to $27 from $25 and keeps a Neutral rating on the shares. This was a strong quarter for Civista, with greater net interest margin expansion and core fee growth driving a 12% PPNR beat, the firm says. Looking ahead, a higher net interest margin run rate coupled with at least mid-single digit balance sheet growth should drive continued profitability improvement, Piper adds.
Piper Sandler
Neutral
downgrade
$26 -> $25
2026-04-02
Reason
Piper Sandler
Price Target
$26 -> $25
2026-04-02
downgrade
Neutral
Reason
Piper Sandler assumed coverage of Civista Bancshares with a Neutral rating with a price target of $25, down from $26. The firm views Civista Bancshares as a high-quality community bank that pairs a low-cost rural deposit franchise with larger metro lending within Ohio's largest MSAs.
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Valuation Metrics

The current forward P/E ratio for Civista Bancshares Inc (CIVB.O) is 10.30, compared to its 5-year average forward P/E of 8.63. 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
8.63
Current PE
10.30
Overvalued PE
10.05
Undervalued PE
7.22

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
1.22
Current EV/EBITDA
7.88
Overvalued EV/EBITDA
5.90
Undervalued EV/EBITDA
-3.47

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
2.11
Current PS
2.54
Overvalued PS
2.57
Undervalued PS
1.64

Financials

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Whales Holding CIVB

N
North Reef Capital Management LP
Holding
CIVB
-3.74%
3M Return

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Frequently Asked Questions

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

The current price of CIVB is 24.655 USD — it has decreased -1.34

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 45.02M USD, increased 15.62

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 0.72 USD, increased 9.09

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

Civista Bancshares Inc (CIVB) has 526 emplpoyees as of May 11 2026.

What is Civista Bancshares Inc (CIVB) market cap?

Today CIVB has the market capitalization of 519.38M USD.