NASDAQ: CIVBCivista Bancshares Inc Stock
$14.85-0.27 (-1.79%)
Updated Apr 26, 2024
CIVB Price
$14.85
Fair Value Price
N/A
Market Cap
$232.95M
52 Week Low
$13.99
52 Week High
$19.80
P/E
5.44x
P/B
0.63x
P/S
1.83x
PEG
0.37x
Dividend Yield
4.24%
Revenue
$158.22M
Earnings
$42.96M
Gross Margin
100%
Operating Margin
31.99%
Profit Margin
27.2%
Debt to Equity
9.38
Operating Cash Flow
$63M
Beta
1.11
Next Earnings
Apr 30, 2024
Ex-Dividend
N/A
Next Dividend
N/A
CIVB Overview
Civista Bancshares, Inc. operates as the financial holding company for Civista Bank that provides community banking services. It collects a range of customer deposits; and offers commercial and agriculture, commercial and residential real estate, farm real estate, real estate construction, consumer, and other loans, as well as letters of credit. The company also purchases securities; and provides trust and third-party insurance services. It operates approximately 42 locations in Northern, Central, Southwestern, and Northwestern Ohio, as well as Southeastern Indiana and Northern Kentucky. The company was formerly known as First Citizens Banc Corp and changed its name to Civista Bancshares, Inc. in May 2015. Civista Bancshares, Inc. was founded in 1884 and is headquartered in Sandusky, Ohio.
Zen Score
–
Industry Average (33)
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Due Diligence Checks
CIVB ($14.85) is trading below its intrinsic value of $28.87, according to an updated version of Benjamin Graham's Formula from Chapter 11 of "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
CIVB is good value based on its earnings relative to its share price (5.44x), compared to the US market average (41.14x)
P/E vs Market Valuation
CIVB is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
There are 35 more CIVB due diligence checks available for Premium users.
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CIVB News
Valuation
CIVB price to earnings (PE)
For valuing profitable companies with steady earnings
Company
5.44x
Industry
-9.61x
Market
41.14x
CIVB is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
CIVB is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
CIVB price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
0.63x
Industry
0.99x
CIVB is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
CIVB price to earnings growth (PEG)
For valuing profitable companies with growth potential
CIVB is good value based... subscribe to Premium to read more.
PEG Value Valuation
CIVB's financial health
Profit margin
Revenue
$36.5M
Net Income
$9.7M
Profit Margin
26.4%
CIVB's Earnings (EBIT) of $50.61M... subscribe to Premium to read more.
Interest Coverage Financials
CIVB's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$3.9B
Liabilities
$3.5B
Debt to equity
9.38
CIVB's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
CIVB's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$2.1M
Investing
-$95.0M
Financing
$102.9M
CIVB's operating cash flow ($62.70M)... subscribe to Premium to read more.
Debt Coverage Financials
CIVB vs Bank Stocks
Civista Bancshares Stock FAQ
Company
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Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.