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Company Analysis

Civista Bancshares, Inc. CIVB

A comprehensive view of key metrics, scores, and financial health for Civista Bancshares, Inc.

Overview of Civista Bancshares, Inc.

CIVB NCM
Financial Services Banks - Regional Small Cap
Civista Bancshares, Inc. (CIVB), is a Small Cap company, in the Banks - Regional industry, last closed at $25.49, about 0.9% undervalued vs fair value, +13.2% 1Y return, ranked 528/1037 in sector.
Metrics Rev Growth 67.8% ROE 9.9% Gross Margin 66.4%
$25.49
0.63%
As of April 28, 2026
Previous close • Vol 90d: 25.8%
52-Week Range
Market Cap
$528.50M
Enterprise Value
$735.36M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 50%
Updated: Mar 8
Top Beats

Quick Facts

Website https://www.civb.com
HQ Sandusky, OH
Employees 535
Fiscal year Dec 31

Next Events

Earnings Apr 22 Call: Apr 22

Fair Value Snapshot

Bear Base Bull
$14
$26
$48
Current: $25.49 +1% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$206.7M
13.1%%
Interest Expense
$82.4M
Net Interest Income
$116.7M
-7%%
Total Revenue
$255.0M
67.8%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
8.2%
Fair

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$10.2M
32.3% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Civista Bancshares, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
49
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
56
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing CIVB's balance between Growth (22.6%), Profitability (36.1%), and Safety (41.3%). Growth 23% Safety 41% Profitability 36%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

33th percentile vs peers
34
Key Signals
Asset Growth YoY 5.8% 61p Equity Growth YoY 4.4% 31p NII Growth YoY -7.0% 16p EPS Growth YoY -27.4% 18p
Strengths

No notable strengths identified for this axis.

Risks
  • NII Growth YoY in bottom 20% of peers (-7.0%)
  • EPS Growth YoY in bottom 20% of peers (-27.4%)
  • Growth below peer median (percentile: 33)

Profitability

54th percentile vs peers
54
Key Signals
Strengths
Risks
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Safety

61th percentile vs peers
62
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Civista Bancshares, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
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Bear
-
- - -
- upside
-
Base
$25.71
- - -
+0.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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