Civista Bancshares (CIVB) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Civista Bancshares

NasdaqCM•Financial Services•Banks - Regional

$27.43-0.34(-0.01%)Pre-market

Market Cap

$565.10M

P/E

10.4x

P/S

2.2x

P/B

1.0x

Civista Bancshares, Inc. operates as the financial holding company for Civista Bank that provides banking services in the United States. The company offers personal and commercial checking accounts; retirement, money market, time, and savings accounts; safe deposit boxes; wire transfers; and automated teller services. It also provides internet banking; ACH origination; telephone banking; and mobile/digital banking services, as well as remote deposit capture banking services for retail and business customers. In addition, the company offers time deposits that consist of certificates of deposit, including those held in IRA accounts and reciprocal deposits. Further, its loan portfolio includes commercial and agriculture; commercial real estate owner and non-owner occupied; residential and farm real estate; real estate construction; lease financing receivable; consumer; and other loans, as well as home equity line of credit. Additionally, the company holds and manages securities portfolio; leases general equipment; and provides captive insurance products and investment advisory services. It operates in North Central, West Central, South Western Ohio, South Eastern Indiana, and Northern Kentucky. The company was formerly known as First Citizens Banc Corp and changed its name to Civista Bancshares, Inc. in May 2015. Civista Bancshares, Inc. was founded in 1884 and is headquartered in Sandusky, Ohio.

How this company scores

WeakMetricSide Score: 73/100

Grade capped at D — Interest coverage below 1× (0.5x) — earnings cannot cover interest. Strongest: Cash & Earnings Quality (25/25); weakest: Balance Sheet & Red Flags (16/25).

Profitability16/25

Growth16/25

Balance Sheet & Red Flags16/25

Cash & Earnings Quality25/25

Strengths

Rising free cash flowRising earningsLow leverageCash-backed earnings

Grade capped at D

Interest coverage below 1× (0.5x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 10.4x5y range 6.0x – 10.6x

Currently above its 20-quarter median.

P/S · 2.2x5y range 1.1x – 2.2x

Currently above its 20-quarter median.

P/B · 1.0x5y range 0.7x – 1.0x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Share Dilution

Red Flag

Shares outstanding increased 34.4% — significant dilution, likely from stock compensation or capital raises.

Price & Volume

Market Cap $565.10M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $261.29M
Q. Revenue: $65.55M
TTM EBITDA: $38.23M
TTM Op. Income: $27.63M
Q. Op. Income: $8.17M
TTM Net Income: $54.33M
Q. Net Income: $14.31M
EPS: $0.69
Shares Out.: $20.71M

$261.29M in TTM revenue grew 4.9% YoY, reaching $65.55M last quarter. TTM EBITDA of $38.23M and TTM operating income of $27.63M show growth is flowing through to the bottom line. TTM net income of $54.33M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 72.6%
EBITDA Margin: 13.5%
Op. Margin: 12.5%
Net Margin: 21.8%

Op. margin of 12.5% is up 2.4% YoY — cost efficiency is improving. Net margin at 21.8% and gross margin of 72.6% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 24% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 10.4x
P/S Ratio: 2.2x
P/B Ratio: 1.0x

At 10.4x P/E, the stock trades below typical market levels. P/S of 2.2x and P/B of 1.0x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Across the last 8 quarters, P/E has risen for 2 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $4.29B
Cash: $61.74M
Long-Term Debt: $104.88M
Book Value: $566.78M
D/E Ratio: 0.2
Debt/EBITDA: 11.8

With $4.29B in assets and $104.88M in long-term debt, D/E is 0.2and book value is $566.78M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 6 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $17.11M
TTM Free Cash Flow: $56.25M
FCF Margin: 21.5%
FCF / Net Income: 1.0

TTM FCF of $56.25M on $17.11M in operating cash flow. The FCF / Net Income ratio of 1.0x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 2 consecutive quarters — an improving trend.