CIVB Valuation

Civista Bancshares Inc

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21.000

+0.43(2.090%)1D

Overview
Forecast
Valuation
Earnings

CIVB Relative Valuation

CIVB's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, CIVB is overvalued; if below, it's undervalued.

Historical Valuation

Civista Bancshares Inc (CIVB) is now in the Fair zone, suggesting that its current forward PE ratio of 8.53 is considered Fairly compared with the five-year average of 8.54. The fair price of Civista Bancshares Inc (CIVB) is between 19.26 to 24.83 according to relative valuation methord.

Relative Value

Fair Zone

19.26-24.83

Current Price：20.57

Fair

8.40

Trailing

Forward

0.00

EV/EBITDA

Civista Bancshares Inc. (CIVB) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

Civista Bancshares Inc. (CIVB) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

2.21

Civista Bancshares Inc. (CIVB) has a current PS of 2.21. The 5-year average PS is 2.10. The thresholds are as follows: Strongly Undervalued below 1.14, Undervalued between 1.14 and 1.62, Fairly Valued between 2.58 and 1.62, Overvalued between 2.58 and 3.06, and Strongly Overvalued above 3.06. The current Forward PS of 2.21 falls within the Historic Trend Line -Fairly Valued range.

0.00

P/OCF

Civista Bancshares Inc. (CIVB) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

Civista Bancshares Inc. (CIVB) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

Civista Bancshares Inc (CIVB) has a current Price-to-Book (P/B) ratio of 0.80. Compared to its 3-year average P/B ratio of 0.81 , the current P/B ratio is approximately -1.37% higher. Relative to its 5-year average P/B ratio of 0.87, the current P/B ratio is about -7.80% higher. Civista Bancshares Inc (CIVB) has a Forward Free Cash Flow (FCF) yield of approximately 11.26%. Compared to its 3-year average FCF yield of 12.24%, the current FCF yield is approximately -8.01% lower. Relative to its 5-year average FCF yield of 11.89% , the current FCF yield is about -5.29% lower.

0.79

P/B

Median3y

0.81

Median5y

0.87

11.26

FCF Yield

Median3y

12.24

Median5y

11.89

Competitors Valuation Multiple

The average P/S ratio for CIVB's competitors is 2.37, providing a benchmark for relative valuation. Civista Bancshares Inc Corp (CIVB) exhibits a P/S ratio of 2.21, which is -6.80% above the industry average. Given its robust revenue growth of 10.78%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

CIVB.O

Civista Bancshares Inc

Community West Bancshares

Midland States Bancorp Inc

Bank of Marin Bancorp

Performance Decomposition

Market capitalization of CIVB increased by 26.72% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 19.60 to 27.59.

The secondary factor is the Revenue Growth, contributed 10.78%to the performance.

Overall, the performance of CIVB in the past 1 year is driven by Margin Expansion. Which is more sustainable.

10.78%

36.05M → 39.93M

Revenue Growth

40.77%

19.60 → 27.59

Margin Expansion

-24.83%

10.85 → 8.15

P/E Change

26.72%