Stock CIVB CIVISTA BANCSHARES, INC.
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Financials Civista Bancshares, Inc.

Equities

CIVB

US1788671071

Banks

Market Closed - Nasdaq
Other stock markets
 04:00:00 2024-04-26 pm EDT 		5-day change 1st Jan Change
14.85 USD -1.79% Intraday chart for Civista Bancshares, Inc. -1.13% -19.47%
Apr. 26 Civista Bancshares Keeps Quarterly Dividend at $0.16 a Share, Payable May 22 to Shareholders of Record on May 7 MT
Apr. 26 Civista Bancshares, Inc. Approves Quarterly Dividend, Payable on May 22, 2024 CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 371.5 279 366.6 346.2 289.4 233 -
Enterprise Value (EV) 1 371.5 279 366.6 346.2 289.4 233 233
P/E ratio 11.9 x 8.77 x 9.28 x 8.47 x 6.75 x 7.46 x 7.24 x
Yield 1.75% 2.51% 2.13% 2.54% 3.31% 4.38% 4.51%
Capitalization / Revenue 3.45 x 2.37 x 2.89 x 2.49 x 1.78 x 1.48 x 1.41 x
EV / Revenue 3.45 x 2.37 x 2.89 x 2.49 x 1.78 x 1.48 x 1.41 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 1.21 x 0.8 x 1.03 x - 0.78 x 0.59 x 0.55 x
Nbr of stocks (in thousands) 15,479 15,914 15,026 15,727 15,696 15,687 -
Reference price 2 24.00 17.53 24.40 22.01 18.44 14.85 14.85
Announcement Date 2/7/20 2/5/21 2/4/22 2/7/23 2/8/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net sales 1 107.5 117.9 126.9 139.3 162.7 157.4 164.9
EBITDA - - - - - - -
EBIT 1 40.6 47.24 48.39 48.79 55.05 41.19 43.93
Operating Margin 37.75% 40.07% 38.14% 35.03% 33.84% 26.16% 26.63%
Earnings before Tax (EBT) 1 39.56 37.13 47.56 47.04 50.61 38.5 39.25
Net income 1 33.23 32.19 40.37 39.25 41.38 30.44 31.02
Net margin 30.9% 27.3% 31.82% 28.18% 25.44% 19.33% 18.8%
EPS 2 2.010 2.000 2.630 2.600 2.730 1.992 2.050
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 0.4200 0.4400 0.5200 0.5600 0.6100 0.6500 0.6700
Announcement Date 2/7/20 2/5/21 2/4/22 2/7/23 2/8/24 - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 30.86 30.13 30.58 29.9 36.17 42.63 43.67 40.49 39.63 38.88 38.33 38.9 39.75 40.44 39.51
EBITDA - - - - - - - - - - - - - - -
EBIT 1 11.4 12.96 10.32 9.524 13.62 15.33 16.04 12.58 12.88 13.56 9.586 9.818 10.47 11.28 9.797
Operating Margin 36.96% 43.01% 33.74% 31.85% 37.65% 35.96% 36.72% 31.06% 32.49% 34.89% 25.01% 25.24% 26.34% 27.9% 24.79%
Earnings before Tax (EBT) 1 11.4 12.96 10.02 9.124 13.32 14.58 15.42 11.71 12.25 11.24 8.944 9.032 9.958 10.57 8.716
Net income 1 9.596 10.93 8.466 7.701 11.11 12.09 12.89 10.03 10.39 9.293 7.042 7.12 7.885 8.407 6.842
Net margin 31.1% 36.27% 27.69% 25.75% 30.72% 28.37% 29.51% 24.78% 26.21% 23.9% 18.37% 18.3% 19.83% 20.79% 17.32%
EPS 2 0.6400 0.7300 0.5700 0.5300 0.7200 0.7700 0.8200 0.6400 0.6600 0.6200 0.4600 0.4650 0.5167 0.5500 0.4517
Dividend per Share 2 0.1400 0.1400 0.1400 0.1400 0.1400 0.1400 0.1400 0.1500 0.1600 0.1600 0.1600 0.1600 0.1650 0.1650 0.1650
Announcement Date 10/27/21 2/4/22 4/28/22 7/28/22 10/27/22 2/7/23 4/28/23 7/28/23 10/27/23 2/8/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 10.6% 9.57% 11.6% 12.5% 12.5% 8.07% 7.74%
ROA (Net income/ Total Assets) 1.51% 1.17% 1.34% 1.21% 1.16% 0.78% 0.77%
Assets 1 2,201 2,751 3,013 3,244 3,567 3,894 4,037
Book Value Per Share 2 19.80 22.00 23.80 - 23.70 25.30 27.10
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 2/7/20 2/5/21 2/4/22 2/7/23 2/8/24 - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Civista Bancshares, Inc.

Trading Rating
Investor Rating
ESG Refinitiv
C-
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
6
Last Close Price
14.85 USD
Average target price
19.08 USD
Spread / Average Target
+28.51%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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