Civista Bancshares Inc
NASDAQ:CIVB

Watchlist Manager
Civista Bancshares Inc Logo
Civista Bancshares Inc
NASDAQ:CIVB
Watchlist
Price: 22.9 USD 1.6% Market Closed
Market Cap: 360.4m USD
Have any thoughts about
Civista Bancshares Inc?
Write Note

Intrinsic Value

The intrinsic value of one CIVB stock under the Base Case scenario is 28.77 USD. Compared to the current market price of 22.9 USD, Civista Bancshares Inc is Undervalued by 20%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

CIVB Intrinsic Value
28.77 USD
Undervaluation 20%
Intrinsic Value
Price
Worst Case
Base Case
Best Case

Valuation Backtest
Civista Bancshares Inc

Backtest Intrinsic Value
Dive into the past to invest in the future

Uncover deeper insights with the Valuation Backtest. Learn how current stock valuations stack up against historical averages to gauge true investment potential.

Start backtest now and learn if your stock is truly undervalued or overvalued!

Run Backtest
Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

Backtest Example
Register to View Results
Register to View Results

To access the results of this valuation backtest, please register an account with us. Registration is quick and gives you instant access to insights on 3 stocks per week for free.

Backtest Unavailable

The backtest for CIVB cannot be conducted due to limitations such as insufficient data or other constraints. Please select a different stock or adjust your settings.

Backtest In Progress...
Backtest In Progress...
How do you feel about CIVB?
Bearish
Neutral
Bullish

Fundamental Analysis

Company Quality
No Indicators Selected
Select Indicators

Select up to 3 indicators:

Insider Trading
0-3
Months
0-6
Months
0-12
Months
0-36
Months
No Periods Selected
Select Periods

Select up to 2 periods:

Investment Journal
AI Assistant
AI Assistant
Ask me anything about Civista Bancshares Inc

Provide an overview of the primary business activities
of Civista Bancshares Inc.

What unique competitive advantages
does Civista Bancshares Inc hold over its rivals?

What risks and challenges
does Civista Bancshares Inc face in the near future?

Has there been any significant insider trading activity
in Civista Bancshares Inc recently?

Summarize the latest earnings call
of Civista Bancshares Inc.

Is it considered overvalued or undervalued
based on the latest financial data?

Show all valuation multiples
for Civista Bancshares Inc.

Provide P/S
for Civista Bancshares Inc.

Provide P/E
for Civista Bancshares Inc.

Provide P/B
for Civista Bancshares Inc.

Show me price targets
for Civista Bancshares Inc made by professional analysts.

What are the Revenue projections
for Civista Bancshares Inc?

How accurate were the past Revenue estimates
for Civista Bancshares Inc?

What are the Net Income projections
for Civista Bancshares Inc?

How accurate were the past Net Income estimates
for Civista Bancshares Inc?

What are the EPS projections
for Civista Bancshares Inc?

How accurate were the past EPS estimates
for Civista Bancshares Inc?

What are the EBIT projections
for Civista Bancshares Inc?

How accurate were the past EBIT estimates
for Civista Bancshares Inc?

Compare the revenue forecasts
for Civista Bancshares Inc with those of its competitors based on recent analyst estimates.

Compare the intrinsic valuations
of Civista Bancshares Inc and its key competitors using the latest financial data.

Compare historical revenue growth rates
of Civista Bancshares Inc against its competitors.

Analyze the profit margins
(gross, operating, and net) of Civista Bancshares Inc compared to its peers.

Compare the P/E ratios
of Civista Bancshares Inc against its peers.

Discuss the investment returns and shareholder value creation
comparing Civista Bancshares Inc with its peers.

Analyze the financial leverage
of Civista Bancshares Inc compared to its main competitors.

Show all profitability ratios
for Civista Bancshares Inc.

Provide ROE
for Civista Bancshares Inc.

Provide ROA
for Civista Bancshares Inc.

Provide Net Interest Margin
for Civista Bancshares Inc.

Provide Net Margin
for Civista Bancshares Inc.

Show all solvency ratios
for Civista Bancshares Inc.

Loans/Deposits Ratio
for Civista Bancshares Inc.

What is the historical Revenue growth
over the last 5 years for Civista Bancshares Inc?

What is the historical Net Income growth
over the last 5 years for Civista Bancshares Inc?

What is the current Free Cash Flow
of Civista Bancshares Inc?

Discuss the annual earnings per share (EPS)
trend over the past five years for Civista Bancshares Inc.

Financials
Annual
Quarterly
TTM
Annual
Quarterly
TTM

Balance Sheet Decomposition
Civista Bancshares Inc

Net Loans 3B
Investments 756.8m
PP&E 50m
Intangibles 133.8m
Other Assets 118.1m
Total Deposits 3.2B
Long Term Debt 110.4m
Other Liabilities 332.9m

Wall St
Price Targets

CIVB Price Targets Summary
Civista Bancshares Inc

Wall Street analysts forecast CIVB stock price to drop over the next 12 months.

According to Wall Street analysts, the average 1-year price target for CIVB is 22.44 USD with a low forecast of 21.21 USD and a high forecast of 26.25 USD.

Lowest
Price Target
21.21 USD
7% Downside
Average
Price Target
22.44 USD
2% Downside
Highest
Price Target
26.25 USD
15% Upside
View Analyst Estimates
View Analyst Estimates
Want to learn more about Wall St estimates for CIVB?

Click here to dive deeper.

Dividends

Dividend Yield
Lowest
Average
Highest
Dividend Per Share
N/A
Growth 3Y
Growth 5Y
Growth 10Y
Dividend Safety Score
Very
Unsafe
Unsafe
Safe
Very
Safe
0
25
50
75
100
Shareholder Yield

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?

Shareholder Yield
Dividend Yield
Lowest
Average
Highest
Buyback Yield
Lowest
Average
Highest

Ownership

CIVB Insider Trading
Buy and sell transactions by insiders

Cumulative Transactions Amount
Period Sold Bought Net
3 Months
6 Months
9 Months
12 Months
Why is insider trading important?

CIVB News

Profile

Civista Bancshares Inc Logo
Civista Bancshares Inc

Country

United States of America

Industry

Banking

Market Cap

360.4m USD

Dividend Yield

2.79%

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.

Contact

OHIO
Sandusky
100 E Water St, PO Box 5016
+14196254121.0
civb.com

IPO

1993-10-27

Employees

441

Officers

President, CEO & Vice Chairman
Mr. Dennis G. Shaffer
Senior VP & COO
Mr. Richard J. Dutton
Independent Director
Mr. Harry Singer
Senior VP & Chief Lending Officer
Mr. Charles A. Parcher
Interim Principal Accounting Officer, Senior VP & CFO
Mr. Ian Whinnem
Senior VP & Chief Information Officer
Mr. Carl A. Kessler III
Show More
Senior VP, General Counsel & Corporate Secretary
Mr. Lance A. Morrison
Senior VP & Customer Experience Officer
Ms. Donna M. Waltz-Jaskolski
Senior VP & Chief Risk Officer
Mr. Robert L. Curry Jr.
Senior Vice President of Retail Banking
Russel J. Edwards Jr.
Show Less

See Also

Discover More
What is the Intrinsic Value of one CIVB stock?

The intrinsic value of one CIVB stock under the Base Case scenario is 28.77 USD.

Is CIVB stock undervalued or overvalued?

Compared to the current market price of 22.9 USD, Civista Bancshares Inc is Undervalued by 20%.

Back to Top