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CIVISTA BANCSHARES, INC.

Data quality: 100%
CIVB
Nasdaq Financial Services Depository Institutions
$24.05
▼ $0.12 (-0.50%)
Mkt Cap: 596.01 M
Price
$24.17
Mkt Cap
596.01 M
Day Range
—
52-Week Range
—
Volume
—
Open —
50D / 200D Avg
—
50D / 200D Avg
—

Quick Summary

Key Takeaways

Revenue declined -0.79% annually over 5 years
Earnings grew 45.86% over the past year
ROE of 10.23% — decent returns on equity
Net margin of 242.93% shows strong profitability
Generating 42.12 M in free cash flow
P/E of 12.90 — trading at a low valuation

Growth

Revenue Growth (5Y)
-0.79%
Below sector avg (5.83%)
Revenue (1Y)-0.52%
Earnings (1Y)45.86%
FCF Growth (3Y)-15.70%

Quality

Return on Equity
10.23%
Above sector avg (9.24%)
ROICN/A
Net Margin242.93%
Op. MarginN/A

Safety

Debt / Equity
N/A
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM)
12.90
Above sector avg (11.15)
P/B Ratio1.19
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2153 peers)
Metric Stock Sector Median
P/E 12.9 11.1
P/B 1.2 1.2
ROE % 10.2 9.2
Net Margin % 242.9 9.4
Rev Growth 5Y % -0.8 5.8
D/E — 0.5

ETFs Holding This Stock

RMBKX RMBKX
1.91% weight
RMBNX RMBNX
1.91% weight
RMBLX RMBLX
1.91% weight
SQLV logo SQLV Royce Quant Small-Cap Quality Value ETF
0.46% weight
TRACX TRACX
0.34% weight
TSVRX TSVRX
0.34% weight
TSVAX TSVAX
0.34% weight
TASVX TASVX
0.34% weight
TSVQX TSVQX
0.34% weight
PSVDX PSVDX
0.34% weight

All Fundamental Metrics
Growth
Revenue Growth (1Y) -0.52% Revenue Growth (3Y) -20.96%
Earnings Growth (1Y) 45.86% Earnings Growth (3Y) 3.71%
Revenue Growth (5Y) -0.79% Earnings Growth (5Y) 3.32%
Profitability
Revenue (TTM) 19.02 M Net Income (TTM) 46.21 M
ROE 10.23% ROA 1.11%
Gross Margin N/A Operating Margin N/A
Net Margin 242.93% Free Cash Flow (TTM) 42.12 M
ROIC N/A FCF Growth (3Y) -15.70%
Safety
Debt / Equity N/A Current Ratio N/A
Interest Coverage N/A Asset Turnover 0.00
Working Capital N/A Tangible Book Value 366.75 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 12.90 Forward P/E N/A
P/B Ratio 1.19 P/S Ratio 31.33
PEG Ratio 3.89 Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 7.07%
Market Cap 596.01 M Enterprise Value 596.01 M
Per Share
EPS (Diluted TTM) 2.64 Revenue / Share 0.77
FCF / Share 1.71 OCF / Share 1.75
EPS CAGR (1Y) 31.34% EPS CAGR (5Y) 0.09%
EPS CAGR (10Y) 5.94%
Efficiency
CapEx / Revenue 6.09% FCF Conversion 91.13%
SBC-Adj. FCF N/A Growth Momentum 0.27

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 19.02 M 19.12 M 30.45 M 24.54 M 19.64 M
Net Income 46.21 M 31.68 M 42.96 M 39.43 M 40.55 M
EPS (Diluted) 2.64 2.01 2.73 2.60 2.63
Gross Profit — — — — —
Operating Income — — — — —
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A — — — — —
Interest Expense 138.58 M 116.71 M 57.24 M 11.05 M 6.32 M
Income Tax 9.02 M 4.89 M 7.65 M 7.61 M 7.02 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 4.34 B 4.10 B 3.86 B 3.54 B 3.01 B
Total Liabilities 3.79 B 3.71 B 3.49 B 3.20 B 2.66 B
Shareholders' Equity 543.47 M 388.50 M 372.00 M 334.84 M 355.21 M
Total Debt — — — — —
Cash & Equivalents — — — — —
Current Assets — — — — —
Current Liabilities — — — — —