Civista Bancshares Inc
NASDAQ:CIVB
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Intrinsic Value
The intrinsic value of one CIVB stock under the Base Case scenario is 25.09 USD. Compared to the current market price of 18.39 USD, Civista Bancshares Inc is Undervalued by 27%.
The Intrinsic Value is calculated as the average of DCF and Relative values:
Valuation Backtest
Civista Bancshares Inc
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Fundamental Analysis
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Balance Sheet Decomposition
Civista Bancshares Inc
Net Loans | 3B |
Investments | 736.4m |
PP&E | 52.1m |
Intangibles | 134.2m |
Other Assets | 114.1m |
Total Deposits | 3B |
Long Term Debt | 111.2m |
Other Liabilities | 549.3m |
Civista Bancshares reported Q2 2024 net income of $7.1 million, up 10% from Q1 2024, but down $3 million year-over-year. The company is transitioning away from a previous revenue source while managing higher-cost funding pressures. Initiatives to attract low-cost deposits are in progress. Loan and lease portfolios grew at an annualized 16%, demonstrating strong demand. The net interest margin increased to 3.09%. The company announced a steady dividend of $0.16 per share, yielding 3.37%. Despite isolated credit issues, the overall credit quality remains stable. Loan growth is expected to be in the low single digits for the rest of 2024, with a focus on funding strategies and controlling deposit costs【7:0†source】【7:1†source】【7:9†source】.
What is Earnings Call?
Wall St
Price Targets
CIVB Price Targets Summary
Civista Bancshares Inc
According to Wall Street analysts, the average 1-year price target for CIVB is 19.64 USD with a low forecast of 18.69 USD and a high forecast of 21.53 USD.
Dividends
Current shareholder yield for CIVB is .
Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?
Ownership
CIVB Insider Trading
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Description
Civista Bancshares, Inc. is a financial holding company, which engages in the community banking business. The company is headquartered in Sandusky, Ohio and currently employs 441 full-time employees. The Company, through the subsidiary bank, Civista Bank, is primarily engaged in the business of community banking. Civista Bank is located in the Ohio counties of Erie, Crawford, Champaign, Cuyahoga, Franklin, Huron, Logan, Madison, Montgomery, Ottawa, Richland and Summit, in the Indiana counties of Dearborn and Ripley and in the Kentucky county of Kenton. The company conducts a general banking business that involves collecting customer deposits, making loans, purchasing securities, and offering Trust services. Its loan portfolio consists of commercial and agriculture, commercial real estate-owner occupied, commercial real estate non-owner occupied, residential real estate, real estate construction, farm real estate, consumer and others. Its deposits include non-interest and interest-bearing demand deposits; savings accounts, including money market deposit accounts, and certificates of deposit, including individual retirement accounts.
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The intrinsic value of one CIVB stock under the Base Case scenario is 25.09 USD.
Compared to the current market price of 18.39 USD, Civista Bancshares Inc is Undervalued by 27%.