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CIVISTA BANCSHARES, INC.

Qualité des données : 100%
CIVB
Nasdaq Financial Services Depository Institutions
24,17 €
▲ 0,47 € (1,98%)
Cap. Boursière: 596,01 M
Prix
24,17 €
Cap. Boursière
596,01 M
Fourchette du Jour
23,46 € — 24,24 €
Fourchette 52 Semaines
17,47 € — 25,59 €
Volume
52 292
Ouverture 23,60 €
Moyenne 50J / 200J
23,33 €
3,62% above
Moyenne 50J / 200J
22,12 €
9,29% above

Quick Summary

Points Clés

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

Croissance

Revenue Growth (5Y)
-0,79%
En dessous de la moyenne du secteur (6,38%)
Revenue (1Y)-0,52%
Earnings (1Y)45,86%
FCF Growth (3Y)-15,70%

Qualité

Return on Equity
10,23%
En dessous de la moyenne du secteur (10,70%)
ROICN/A
Net Margin242,93%
Op. MarginN/A

Sécurité

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

Valorisation

PE (TTM)
12,90
Au-dessus de la moyenne du secteur (12,63)
P/B Ratio1,19
EV/EBITDAN/A
Dividend YieldN/A

Historique des Prix

Tendances Financières

Comparaison Sectorielle

vs médiane du secteur Financial Services (1096 pairs)
Métrique Action Médiane du Secteur
P/E 12,9 12,6
P/B 1,2 1,4
ROE % 10,2 10,7
Net Margin % 242,9 14,8
Rev Growth 5Y % -0,8 6,4
D/E — 0,5

ETFs Holding This Stock

SQLV logo SQLV Royce Quant Small-Cap Quality Value ETF
0,46% weight
QABA logo QABA First Trust NASDAQ ABA Community Bank Index Fund
0,20% weight
BSVO logo BSVO EA Bridgeway Omni Small-Cap Value ETF
0,09% weight
GSSC logo GSSC Goldman Sachs ActiveBeta U.S. Small Cap Equity ETF
0,05% weight
AVSC logo AVSC Avantis U.S. Small Cap Equity ETF
0,04% weight
EES logo EES WisdomTree U.S. SmallCap Fund
0,04% weight
AVUV logo AVUV Avantis U.S. Small Cap Value ETF
0,03% weight
IWV logo IWV iShares Russell 3000 ETF
0,00% weight
AVUS logo AVUS Avantis U.S. Equity ETF
0,00% weight
DES logo DES WisdomTree U.S. SmallCap Dividend Fund
0,00% 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 — — — — —