Historical Valuation
Civista Bancshares Inc (CIVB) is now in the Fair zone, suggesting that its current forward PE ratio of 8.65 is considered Fairly compared with the five-year average of 8.56. The fair price of Civista Bancshares Inc (CIVB) is between 20.25 to 26.12 according to relative valuation methord.
Relative Value
Fair Zone
20.25-26.12
Current Price：22.21
Fair
P/E
EV/EBITDA
EV/EBIT
P/S
P/OCF
P/FCF
1Y
3Y
5Y
Trailing
Forward
Civista Bancshares Inc (CIVB) has a current Price-to-Book (P/B) ratio of 0.85. Compared to its 3-year average P/B ratio of 0.78 , the current P/B ratio is approximately 8.32% higher. Relative to its 5-year average P/B ratio of 0.88, the current P/B ratio is about -3.83% higher. Civista Bancshares Inc (CIVB) has a Forward Free Cash Flow (FCF) yield of approximately 11.24%. Compared to its 3-year average FCF yield of 12.26%, the current FCF yield is approximately -8.31% lower. Relative to its 5-year average FCF yield of 11.65% , the current FCF yield is about -3.55% lower.
P/B
Median3y
0.78
Median5y
0.88
FCF Yield
Median3y
12.26
Median5y
11.65
Competitors Valuation Multiple
AI Analysis for CIVB
The average P/S ratio for CIVB competitors is 2.66, providing a benchmark for relative valuation. Civista Bancshares Inc Corp (CIVB.O) exhibits a P/S ratio of 2.41, which is -9.3% above the industry average. Given its robust revenue growth of 13.38%, this premium appears unsustainable.
Performance Decomposition
AI Analysis for CIVB
1Y
3Y
5Y
Market capitalization of CIVB increased by 0.00% over the past 1 year. The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.
The secondary factor is the Unknown, contributed 0.00%to the performance.
Overall, the performance of CIVB in the past 1 year is driven by Unknown.
People Also Watch
Frequently Asked Questions
Is CIVB currently overvalued or undervalued?
Civista Bancshares Inc (CIVB) is now in the Fair zone, suggesting that its current forward PE ratio of 8.65 is considered Fairly compared with the five-year average of 8.56. The fair price of Civista Bancshares Inc (CIVB) is between 20.25 to 26.12 according to relative valuation methord.
What is Civista Bancshares Inc (CIVB) fair value?
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. The fair price of Civista Bancshares Inc (CIVB) is between 20.25 to 26.12 according to relative valuation methord.
How does CIVB's valuation metrics compare to the industry average?
The average P/S ratio for CIVB's competitors is 2.66, providing a benchmark for relative valuation. Civista Bancshares Inc Corp (CIVB) exhibits a P/S ratio of 2.41, which is -9.30% above the industry average. Given its robust revenue growth of 13.38%, this premium appears unsustainable.
What is the current P/B ratio for Civista Bancshares Inc (CIVB) as of Jan 10 2026?
As of Jan 10 2026, Civista Bancshares Inc (CIVB) has a P/B ratio of 0.85. This indicates that the market values CIVB at 0.85 times its book value.
What is the current FCF Yield for Civista Bancshares Inc (CIVB) as of Jan 10 2026?
As of Jan 10 2026, Civista Bancshares Inc (CIVB) has a FCF Yield of 11.24%. This means that for every dollar of Civista Bancshares Inc’s market capitalization, the company generates 11.24 cents in free cash flow.
What is the current Forward P/E ratio for Civista Bancshares Inc (CIVB) as of Jan 10 2026?
As of Jan 10 2026, Civista Bancshares Inc (CIVB) has a Forward P/E ratio of 8.65. This means the market is willing to pay $8.65 for every dollar of Civista Bancshares Inc’s expected earnings over the next 12 months.
What is the current Forward P/S ratio for Civista Bancshares Inc (CIVB) as of Jan 10 2026?
As of Jan 10 2026, Civista Bancshares Inc (CIVB) has a Forward P/S ratio of 2.41. This means the market is valuing CIVB at $2.41 for every dollar of expected revenue over the next 12 months.