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Civista Bancshares, Inc. CIVB

Financial — Banks Regional
Dividend Champion (5y) Insider Buys (last 12m)
Growth Flags show if company had growth for consecutive years ,
Insider Buys alert about insiders buying in the last 12 month

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Insider Decisions

Total buys
0.02
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — 1 — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership
1.82%

Capital & Financial Ratios

Market Cap
565.93
Revenue
261.29
Net Income
46.21
Free Cash Flow
57.13
Net Debt
169.76
Current Ratio
0.95
Debt/Equity
0.41
P/E ratio
10.11
P/S ratio
2.16
P/B ratio
1.00
Past 5Y EPS Growth
0.04%
This Y EPS Growth
1.67%
Next Y EPS Growth
2.47%
Next 5Y EPS Growth
12.81%
in millions of $

Dividends

Payout Ratio
0.19
Annual Dividend Rate
0.64
Annual Dividend Yield
3.99%
total individual payouts
2027 ‡‡‡‡
2026 0.72
—
—
—
2025 0.68
—
—
—
—
2024 0.64
—
—
—
—
2023 0.61
—
—
—
—
2022 0.56
—
—
—
—
2021 0.52
—
—
—
—
2020 0.44
—
—
—
—
2019 0.42
—
—
—
—
2018 0.32
—
—
—
—
2017 0.25
—
—
—
—
2016 0.22
—
—
—
—
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 60.41 63.16 77.32 61.74
Receivables — — — —
Inventory — — — —
Other — — — —
2,899.52 3,118.83 3,326.96 3,298.29
2023 2024 2025 Q'26
Payables 2,985.03 3,211.87 3,466.46 3,458.24
ST’ Debt — — — —
Other — — — —
3,022.74 3,247.45 3,503.05 3,489.43
in millions of $

Compound Annual Growth

10y 5y 3y
Sales ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Book Value ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 65.24 65.55 — —
—
’25 61.59 62.86 64.87 65.63
254.95
’24 58.38 60.97 62.84 62.25
244.44
’23 53.99 53.76 54.73 57.42
219.90
’22 32.31 31.70 38.27 52.96
155.23
’21 34.92 34.52 32.21 34.86
136.51
’20 31.88 31.44 31.34 33.39
128.05
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 12.18 17.11 — —
—
’25 3.61 11.08 18.97 9.61
43.27
’24 0.75 12.19 12.91 22.40
48.25
’23 19.79 19.33 21.47 2.11
62.70
’22 9.11 38.51 (20.21) (2.24)
25.18
’21 15.91 4.09 14.30 6.47
40.76
’20 25.55 (13.96) 13.71 7.35
32.65
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 11.83 17.01 — —
—
’25 3.45 11.77 17.50 10.78
43.51
’24 0.63 12.39 12.74 22.54
48.30
’23 19.24 18.53 20.66 0.84
59.27
’22 8.98 35.98 (20.74) (5.35)
18.86
’21 15.75 3.03 13.84 6.23
38.85
’20 25.43 (15.23) 13.34 7.16
30.69
in millions of $

EPS

Mar Jun Sep Dec Year
’26 0.72 0.69 — —
—
’25 0.66 0.71 0.68 0.61
2.64
’24 0.41 0.45 0.53 0.63
2.01
’23 0.82 0.64 0.66 0.62
2.73
’22 0.57 0.53 0.72 0.77
2.60
’21 0.68 0.59 0.64 0.73
2.63
’20 0.47 0.41 0.48 0.64
2.00

Target Price Range

High
‡‡‡‡‡
‡‡‡‡
Average
‡‡‡‡‡
‡‡‡‡
Low
‡‡‡‡‡
‡‡‡‡

Recommendation Rating

2
1
Buy
2
3
Hold
4
5
Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 20.10 14.02 13.60 17.47 — — —
Low Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 25.87 22.67 23.70 25.59 — — —
High Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 530 532 527 526 — — —
Employees
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.29 0.41 0.46 0.48 — — —
Revenue/Emp
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 155.23 219.90 244.44 254.95 ‡‡‡‡‡ ‡‡‡‡‡ —
Revenue
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 89.72% 73.97% 63.19% 67.68% — — —
Gross Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 47.04 50.61 36.57 55.24 — — —
EBT
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ 30.30% 23.02% 14.96% 21.66% ‡‡‡ ‡‡‡ —
EBT Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 39.43 42.96 31.68 46.21 ‡‡‡‡‡ ‡‡‡‡‡ —
Net Income
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 4.51 11.52 10.83 7.75 — — —
Depreciation
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 10.37 14.51 15.88 14.63 ‡‡‡‡‡ ‡‡‡‡‡ —
Revenue/Sh
‡‡‡‡ ‡‡‡‡ ‡‡‡ ‡‡‡‡ ‡‡‡ ‡‡‡‡ 2.60 2.73 2.01 2.64 ‡‡‡‡‡ ‡‡‡‡‡ —
Earnings/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.68 4.14 3.13 2.48 — — —
Cash Flow/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.42) (0.23) 0.00 0.01 ‡‡‡ ‡‡‡ —
Capex/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.26 3.91 3.14 2.50 — — —
Free CF/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 22.37 24.55 25.24 31.20 — — —
Book Value/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 14.97 15.16 15.39 17.42 ‡‡‡‡‡ ‡‡‡‡‡ —
Shares
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 8.31 6.71 10.42 8.35 ‡‡‡ ‡‡‡ —
PE Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.08 1.27 1.32 1.52 ‡‡‡ ‡‡‡ —
PS Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.96 0.75 0.83 0.71 ‡‡‡ ‡‡‡ —
PB Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 8.49 5.02 4.68 4.02 ‡‡‡‡ ‡‡‡‡ —
EV/Sales
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 69.89 18.63 23.68 23.58 — — —
EV/FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 25.18 62.70 48.25 43.27 ‡‡‡ ‡‡‡ —
Op' Cash Flow
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (6.32) (3.43) 0.05 0.23 — — —
Capex
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 18.86 59.27 48.30 43.51 — — —
FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 5.17 (123.22) (128.61) (176.09) — — —
Working Cap'
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,039.21 454.19 450.88 284.18 — — —
Total Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 995.85 393.79 387.73 206.86 — — —
Net Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 334.84 372.00 388.50 543.47 — — —
Sh' Equity
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.17% 1.10% 0.78% 1.09% — — —
ROA
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.21% 4.13% 2.94% 4.60% — — —
ROIC
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 11.28% 11.71% 8.16% 9.88% — — —
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

Civista Bancshares (CIVB), a resilient regional bank serving Ohio and nearby markets, has delivered 17% CAGR revenue growth from $70 million in 2016 to $244 million in 2024 through strategic acquisitions, boosting revenue per employee over 100% to $464,000. Despite a projected 29% revenue dip to $173 million in 2025 amid high rates squeezing net interest margins, forecasts signal recovery with 11% growth in 2026 and EPS surging 42% cumulatively to $2.86 by 2027. Trading near historical highs with analyst targets implying 9-17% upside (mean 13%), the stock’s 0.83x PB and 10.4x P/E multiples underscore undervaluation, especially versus peers battered by the 2023 banking crisis.

Robust insider confidence amplifies the bull case: 2025 buys totaled over $527,000 from executives like the CEO and SVPs—versus one modest sell—often a precursor to outperformance in regional banks. Balance sheet strength shines with equity quadrupling to $389 million and FCF per share up 148% to $3.14, supporting dividends amid manageable 1x net debt-to-equity. Anticipated Fed rate cuts could expand NIM by 20-50 bps, fueling 20-30% EPS compounding through 2027 and potential re-rating to 12x P/E for further gains.

This positions CIVB as a value play in a normalizing rate environment—resilient growth, cyclical margin relief, and aligned insider/analyst signals amid macro tailwinds. [Read the full analysis for detailed models, forecasts, and risks.]

Read full commentary →

Civista Bancshares, Inc. (CIVB) Latest News

News by impact score

Fine-tune

31 Aug

3 , 7:45 AM
Civista Bancshares completes leadership transition with Chuck Parcher assuming the role of President and CEO. CEO transition positions new leadership to influence strategic decisions and market views at Civista Bancshares.

24 Jul

3 transcript app.moby.co, 8:30 AM
Civista Bancshares held its Q2 2026 earnings call, covering quarterly financial results, operational updates and forward guidance for the bank. Quarterly earnings calls deliver performance data and outlook that can shift near-term stock sentiment and valuation.

23 Jul

3 , 9:00 PM
Civista Bancshares Inc reported strong net income growth in Q2 2026 earnings call amid unspecified conditions. Strong net income growth in quarterly results signals noticeable but not transformative effects on financial trajectory.

3 www.marketbeat.com, 2:06 PM
Civista Bancshares reported Q2 financial results in its earnings call, covering net interest income, loan growth, deposit trends, credit quality metrics and management outlook on interest rates and expansion plans. Quarterly earnings details and guidance offer moderate insight into near-term revenue and profitability but do not signal major strategic shifts.

3 , 9:30 AM
Civista Bancshares (CIVB) Q2 earnings came in compared to estimates, with analysis of key metrics including revenue, EPS and other financial indicators. Q2 earnings and metric comparisons can influence near-term stock sentiment through financial performance updates.

2 Jun

3 transcript www.fool.com, 11:13 AM
Civista Bancshares, Inc. (CIVB) held its Q1 2026 earnings call to discuss financial results and company outlook. Q1 earnings call reveals financial metrics and guidance that moderately influence near-term stock performance.

1 May

3 Simply Wall St., 1:05 AM
Civista Bancshares (CIVB) investment story shifts as analysts introduce new price targets and revised assumptions. New analyst targets and assumptions may moderately influence investor sentiment and stock trajectory.

24 Apr

4 GuruFocus.com, 3:00 PM
Civista Bancshares Inc (CIVB) delivered strong net income growth in Q1 2026 earnings call, highlighting robust financial performance and positive operational metrics. Strong Q1 2026 net income growth signals significant positive impact on CIVB's financial trajectory and investor sentiment.

23 Apr

3 www.marketbeat.com, 11:21 AM
Civista Bancshares released Q1 earnings call highlights covering financial results, strategic updates, and forward guidance. Q1 earnings highlights influence key financial metrics and investor sentiment with moderate effect on performance.

22 Apr

4 app.moby.co, 4:45 PM
Civista Bancshares, Inc. Q1 2026 earnings call summary covers financial results, operational updates, and forward guidance for the regional bank. Q1 earnings call summaries reveal key financial metrics and strategic directions that significantly sway investor sentiment and stock performance.

4 Zacks, 9:30 AM
Civista Bancshares (CIVB) reported Q1 earnings, with key metrics analyzed for performance insights. Q1 earnings reports reveal financial health and operational results that significantly shape investor sentiment and stock trajectory.

4 Zacks, 8:40 AM
Civista Bancshares (CIVB) beat Q1 earnings and revenue estimates. Beating Q1 earnings and revenue estimates signals strong financial performance, likely driving positive investor sentiment and stock price gains.

3 PR Newswire, 7:30 AM
Civista Bancshares, Inc. announces first-quarter 2026 financial results of $0.72 per common share, up $0.06 from first-quarter 2025. Year-over-year EPS increase demonstrates improved financial performance with moderate influence on investor sentiment and trajectory.

15 Apr

3 Zacks, 10:00 AM
Civista Bancshares (CIVB) is expected to surpass Q1 earnings estimates, with key details highlighted ahead of the release. Anticipated earnings beat could moderately influence financial performance expectations and short-term investor sentiment.

10 Apr

3 Zacks, 12:10 PM
Civista Bancshares (CIVB) positioned to beat earnings estimates again due to favorable earnings ESP, strong Zacks Rank #2, robust revenue growth projections, and history of surpassing consensus. Earnings beat potential moderately influences financial performance and investor sentiment without fundamentally altering long-term trajectory.

3 Mar

4 www.bankingdive.com, 6:17 AM
Civista Bancshares, Inc. (CIVB), an Ohio-based bank holding company, has selected its next CEO to succeed the current leader. Naming a new CEO constitutes a major leadership transition likely to influence strategic direction, operations, and investor confidence significantly.

2 Mar

3 www.americanbanker.com, 4:10 PM
Ohio-based Civista Bancshares, Inc. (CIVB) names successor to its retiring CEO. CEO succession signals potential leadership continuity or change, moderately influencing strategic direction and investor sentiment.

3 PR Newswire, 7:00 AM
Civista Bancshares, Inc. (CIVB) announces the retirement of CEO Dennis Shaffer, with Chuck Parcher succeeding him as CEO. CEO retirement and internal succession signals moderate potential for strategic shifts and investor sentiment changes.

12 Feb

3 Simply Wall St., 6:31 AM
Civista Bancshares, Inc. (CIVB) is highlighted as a compelling dividend stock alongside two others, emphasizing its strong financial performance and commitment to returning value to shareholders through dividends. The article outlines the company's growth strategies and market positioning, suggesting that it remains an attractive option for income-focused investors. Civista's dividend strategy and financial performance may moderately influence investor sentiment and market positioning.

4 Feb

3 Simply Wall St., 6:39 AM
Civista Bancshares, Inc. (CIVB) is highlighted as one of three undervalued small-cap stocks experiencing insider buying activity. This trend suggests confidence from executives in the company's future performance. The article emphasizes the potential for growth in CIVB, particularly in the context of its financial health and market positioning, making it an attractive option for investors looking for undervalued opportunities. Insider buying indicates confidence but does not guarantee significant changes in performance.

1 Feb

3 Simply Wall St.ZacksZacksSimply Wall St.MarketBeatSimply Wall St.GuruFocus.comMotley Fool, 8:31 AM
Analysts have provided updated estimates for Civista Bancshares, Inc. (CIVB) following its recent full-year financial report. The report highlights key performance metrics and offers insights into the company's future outlook, influencing broker sentiment and expectations regarding the stock's trajectory. The full-year report is expected to moderately influence financial performance and market sentiment.

31 Jan

3 Simply Wall St., 7:55 AM
Civista Bancshares, Inc. (CIVB) has announced an increase in its dividend for shareholders compared to the previous year, reflecting the company's strong financial performance and commitment to returning value to investors. The dividend increase indicates a moderately noticeable influence on investor sentiment and financial performance.

30 Jan

4 app.moby.co, 8:30 AM
Civista Bancshares, Inc. (CIVB) released Q4 2025 earnings call summary highlighting financial results, performance metrics, and future outlook. Quarterly earnings call summaries disclose key financial metrics and guidance that significantly shape investor expectations and stock trajectory.

3 Simply Wall St., 6:40 AM
Civista Bancshares, Inc. (CIVB) is highlighted as an undervalued small-cap stock with notable insider buying activity in January 2026. This trend suggests confidence from company executives in the stock's future performance, potentially indicating a positive outlook for investors. The article emphasizes the importance of insider actions as a signal for market sentiment and investment opportunities in small-cap stocks. Insider buying activity may influence investor sentiment and stock performance, but its overall effect is expected to be limited.

29 Jan

4 transcript GuruFocus.com, 8:00 PM
Civista Bancshares, Inc. (CIVB) reported strong income growth in its Q4 2025 earnings call, highlighting significant improvements in financial performance. The company showcased robust revenue increases and effective cost management strategies, contributing to enhanced profitability. Management expressed optimism about future growth prospects and strategic initiatives aimed at expanding market presence and customer base. Strong income growth and strategic initiatives are likely to significantly impact future performance and investor sentiment.

4 transcript www.marketbeat.com, 5:09 PM
Civista Bancshares, Inc. reported its Q4 earnings, highlighting key financial metrics and strategic initiatives. The company demonstrated growth in net income and assets, driven by increased loan demand and improved operational efficiency. Management discussed plans for future expansion and investment in technology to enhance customer experience. The earnings call also addressed challenges in the current economic environment, including interest rate fluctuations and regulatory considerations. Overall, Civista remains optimistic about its growth trajectory and market positioning. Significant strategic initiatives and growth in financial metrics indicate a likely positive impact on future performance.

4 ZacksAssociated Press FinanceZacksZacksZacksZacksZacks, 9:10 AM
Civista Bancshares, Inc. (CIVB) reported its Q4 earnings and revenues, surpassing analysts' expectations. The bank's performance reflects strong financial management and growth strategies, contributing positively to its market position. Investors reacted favorably to the results, indicating confidence in the company's future prospects. Surpassing earnings and revenue estimates suggests significant positive momentum and potential for future growth.

4 Associated Press Finance, 8:17 AM
Civista Bancshares, Inc. (CIVB) reported its Q4 earnings, highlighting a notable increase in net income and improved asset quality. The bank's total assets grew, driven by strong loan demand and effective cost management. Additionally, the company announced a dividend increase, reflecting confidence in its financial stability and growth prospects. Overall, the earnings report indicates a positive trajectory for Civista, with strategic initiatives aimed at enhancing shareholder value. The significant increase in net income and dividend reflects strong financial performance and strategic growth initiatives.

3 transcript www.fool.com, 2:18 PM
Civista Bancshares, Inc. (CIVB) reported its latest earnings results, highlighting key financial metrics and performance indicators. The company discussed its strategic initiatives, market conditions, and outlook for future growth. Management provided insights into operational efficiencies and potential challenges ahead, emphasizing a commitment to enhancing shareholder value. Overall, the earnings call reflected a cautious yet optimistic view of the bank's trajectory in a competitive landscape. Moderate influence on financial performance and competitive positioning is expected due to strategic initiatives discussed.

3 Zacks, 11:30 AM
Civista Bancshares, Inc. (CIVB) reported its Q4 earnings, revealing key metrics that were compared against analysts' estimates. The results highlighted the bank's financial performance, including revenue and net income figures, which showed a mix of strengths and weaknesses. Analysts are assessing the implications of these results on the company's future trajectory and market positioning. The earnings report indicates moderate influences on financial performance and market sentiment, but overall effects are expected to be balanced by other factors.
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