NASDAQ: CIVBCivista Bancshares Inc Stock
$28.67+0.76 (+2.72%)
Updated Jun 26, 2026
CIVB Price
$28.67
Fair Value Price
$37.30
Market Cap
$595.86M
52 Week Low
$18.95
52 Week High
$28.86
P/E
10.58x
P/B
1.08x
P/S
2.66x
PEG
2.55x
Dividend Yield
2.44%
Revenue
$177.99M
Earnings
$51.03M
Gross Margin
100%
Operating Margin
34.44%
Profit Margin
28.7%
Debt to Equity
6.78
Operating Cash Flow
$52M
Beta
0.64
Next Earnings
Jul 23, 2026
Ex-Dividend
N/A
Next Dividend
N/A
CIVB Overview
Serving as the financial holding company for Civista Bank, Civista Bancshares, Inc. delivers comprehensive community banking services. The company actively gathers various customer deposits and provides a broad spectrum of lending products, encompassing commercial, agricultural, residential and commercial real estate, farm real estate, and construction loans, as well as consumer credit and letters of credit. Beyond banking, it also acquires securities and offers trust services alongside third-party insurance. With approximately 42 branch locations, Civista Bancshares extends its reach across Northern, Central, Southwestern, and Northwestern Ohio, in addition to Southeastern Indiana and Northern Kentucky. Founded in 1884, the company is headquartered in Sandusky, Ohio, and officially changed its name from First Citizens Banc Corp to Civista Bancshares, Inc. in May 2015.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine CIVB's potential to beat the market
CHold
- Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More
Zen Rating Component Grades
C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Bank
Industry Rating
D
CIVB
Ranked#49 of 285
Ranked#49 of 285
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $91.44 | B | |
| $29.88 | B | |
| $24.51 | B |
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CIVB News
Overview
Due Diligence Score
–
Industry Average (37)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how CIVB scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
CIVB ($28.67) is undervalued by 23.13% relative to our estimate of its Fair Value price of $37.30 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
CIVB ($28.67) is significantly undervalued by 23.13% relative to our estimate of its Fair Value price of $37.30 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
CIVB ($28.67) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more CIVB due diligence checks available for Premium users.
Valuation
CIVB fair value
Fair Value of CIVB stock based on Discounted Cash Flow (DCF)
Price
$28.67
Fair Value
$37.30
Undervalued by
23.13%
CIVB ($28.67) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
CIVB ($28.67) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
CIVB ($28.67) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
CIVB price to earnings (PE)
For valuing profitable companies with steady earnings
Company
10.58x
Industry
13.5x
Market
12.39x
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
1.08x
Industry
1.3x
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 poor value relative... subscribe to Premium to read more.
PEG Value Valuation
CIVB's financial health
Profit margin
Revenue
$47.9M
Net Income
$15.0M
Profit Margin
31.3%
CIVB's Earnings (EBIT) of $61.31M... subscribe to Premium to read more.
Interest Coverage Financials
CIVB's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$4.3B
Liabilities
$3.7B
Debt to equity
6.78
CIVB's debt relative to shareholder... 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
$12.2M
Investing
$38.3M
Financing
-$44.2M
CIVB's operating cash flow ($51.84M)... subscribe to Premium to read more.
Debt Coverage Financials
CIVB vs Bank Stocks
Civista Bancshares Stock FAQ
Company
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