NASDAQ:CIVB Civista Bancshares (CIVB) Stock Price, News & Analysis $20.45 +0.31 (+1.54%) Closing price 10/3/2025 04:00 PM EasternExtended Trading$20.45 0.00 (0.00%) As of 04:09 AM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more. Add Compare Share Share Stock Analysis Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsShort InterestSustainabilityTrendsBuy This Stock About Civista Bancshares Stock (NASDAQ:CIVB) View Price History Chart DataSkip Price History Chart 1 Day 5 Days 30 Days 90 Days 1 Year Advanced 1 Day 1 Day 5 Days 30 Days 90 Days 1 Year Advanced Show volume Show extended hours Get Civista Bancshares alerts:Sign Up Key Stats Today's Range$20.18▼$20.5350-Day Range$19.28▼$21.3052-Week Range$17.00▼$25.59Volume49,260 shsAverage Volume109,410 shsMarket Capitalization$394.89 millionP/E Ratio8.08Dividend Yield3.33%Price Target$24.80Consensus RatingHold Company Overview Civista Bancshares, Inc. is a bank holding company headquartered in Saginaw, Michigan, operating through its wholly owned subsidiary, Civista Bank. The company offers a full suite of commercial and retail banking products and services to individuals, small- and mid-sized businesses, governmental entities and nonprofit organizations. Core offerings include deposit accounts, commercial and industrial loans, consumer and residential real estate mortgages, master-planned construction financing and treasury management solutions. Beyond traditional banking, Civista Bancshares provides wealth management, trust and investment advisory services under the Civista Wealth Enterprises brand. These services encompass financial planning, investment management, fiduciary administration and retirement plan consulting. Clients gain access to personalized strategies designed to meet the needs of both individuals and institutional investors, supported by dedicated relationship teams and digital platforms. With a network of branch offices and loan production offices across mid-Michigan and northwest Ohio, Civista Bancshares maintains a strong community focus. The company emphasizes local decision-making and relationship banking, working closely with customers to support regional economic development. Civic involvement and philanthropic efforts in the communities it serves are integral to the company’s approach to fostering long-term customer relationships and sustainable growth.AI Generated. May Contain Errors. Read More Civista Bancshares Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks98th Percentile Overall ScoreCIVB MarketRank™: Civista Bancshares scored higher than 98% of companies evaluated by MarketBeat, and ranked 57th out of 921 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion3.8 / 5Analyst RatingHold Consensus RatingCivista Bancshares has received a consensus rating of Hold. The company's average rating score is 2.29, and is based on 2 buy ratings, 5 hold ratings, and no sell ratings.Upside PotentialCivista Bancshares has a consensus price target of $24.80, representing about 21.3% upside from its current price of $20.45.Amount of Analyst CoverageCivista Bancshares has been the subject of 5 research reports in the past 90 days, demonstrating strong analyst interest in this stock.Read more about Civista Bancshares' stock forecast and price target. Earnings and Valuation3.1 / 5Proj. Earnings Growth14.04% Earnings GrowthEarnings for Civista Bancshares are expected to grow by 14.04% in the coming year, from $2.28 to $2.60 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Civista Bancshares is 8.08, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 235.10.Price to Earnings Ratio vs. SectorThe P/E ratio of Civista Bancshares is 8.08, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 40.13.Price to Book Value per Share RatioCivista Bancshares has a P/B Ratio of 0.83. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.Read more about Civista Bancshares' valuation and earnings. Short Interest3.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted0.77% of the outstanding shares of Civista Bancshares have been sold short.Short Interest Ratio / Days to CoverCivista Bancshares has a short interest ratio ("days to cover") of 1.4, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in Civista Bancshares has recently increased by 44.12%, indicating that investor sentiment is decreasing significantly. Dividend2.5 / 5Dividend StrengthModerate Dividend YieldCivista Bancshares pays a meaningful dividend of 3.33%, higher than the bottom 25% of all stocks that pay dividends.Dividend GrowthCivista Bancshares has only been increasing its dividend for 4 years.Dividend CoverageThe dividend payout ratio of Civista Bancshares is 26.88%. This payout ratio is at a healthy, sustainable level, below 75%.Dividend SustainabilityBased on earnings estimates, Civista Bancshares will have a dividend payout ratio of 26.15% next year. This indicates that Civista Bancshares will be able to sustain or increase its dividend.Read more about Civista Bancshares' dividend. Sustainability and ESG3.1 / 5Environmental Score-0.68 Percentage of Shares Shorted0.77% of the outstanding shares of Civista Bancshares have been sold short.Short Interest Ratio / Days to CoverCivista Bancshares has a short interest ratio ("days to cover") of 1.4, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in Civista Bancshares has recently increased by 44.12%, indicating that investor sentiment is decreasing significantly. News and Social Media2.0 / 5News Sentiment0.60 News SentimentCivista Bancshares has a news sentiment score of 0.60. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This news sentiment score is similar to the average news sentiment of Finance companies.News Coverage This WeekMarketBeat has tracked 5 news articles for Civista Bancshares this week, compared to 3 articles on an average week. Company Ownership2.5 / 5Insider TradingAcquiring Shares Insider Buying vs. Insider SellingIn the past three months, Civista Bancshares insiders have bought more of their company's stock than they have sold. Specifically, they have bought $307,978.00 in company stock and sold $0.00 in company stock.Percentage Held by InsidersOnly 2.60% of the stock of Civista Bancshares is held by insiders.Percentage Held by Institutions52.10% of the stock of Civista Bancshares is held by institutions. High institutional ownership can be a signal of strong market trust in this company.Read more about Civista Bancshares' insider trading history. Receive CIVB Stock News and Ratings via Email Sign-up to receive the latest news and ratings for Civista Bancshares and its competitors with MarketBeat's FREE daily newsletter. Submit View SMS TermsBy entering your phone number and clicking the sign-up button, you agree to receive periodic text messages from MarketBeat at the phone number you submitted, including texts that may be sent using an automatic telephone dialing system. Message and data rates may apply. Message frequency will vary. Messages will consist of stock alerts, news stories, and partner advertisements/offers. Consent is not a condition of the purchase of any goods or services. Text HELP for help/customer support. Unsubscribe at any time by replying "STOP" to any text message that you receive from MarketBeat or by visiting our mailing preferences page. Read our full terms of service and privacy policy. CIVB Stock News HeadlinesCivista Bancshares to Release Q3 2025 Financial ResultsSeptember 30, 2025 | tipranks.comCIVISTA BANCSHARES, INC. ANNOUNCES THIRD QUARTER 2025 EARNINGS RELEASE DATESeptember 30, 2025 | prnewswire.comGet my No. 1 gold stock nowGold recently broke past $3,800 per ounce – setting yet another new all-time high. And Wall Street banks say this is just the beginning... Because there's mounting evidence that a 40% market crash could be on the way. | Stansberry Research (Ad)Brokerages Set Civista Bancshares, Inc. (NASDAQ:CIVB) PT at $24.80September 30, 2025 | americanbankingnews.comCivista Bancshares to Attend Stephens Bank ForumSeptember 16, 2025 | msn.comCivista Bancshares downgraded to Market Perform from Outperform at Hovde GroupAugust 18, 2025 | msn.comCivista Bancshares promotes Robert Katitus to chief lending officerAugust 13, 2025 | msn.comCivista Bancshares Promotes Robert Katitus to Key RolesAugust 13, 2025 | msn.comSee More Headlines CIVB Stock Analysis - Frequently Asked Questions How have CIVB shares performed this year? Civista Bancshares' stock was trading at $21.04 at the beginning of the year. Since then, CIVB stock has decreased by 2.8% and is now trading at $20.45. How were Civista Bancshares' earnings last quarter? Civista Bancshares, Inc. (NASDAQ:CIVB) released its quarterly earnings results on Thursday, July, 24th. The bank reported $0.66 EPS for the quarter, missing analysts' consensus estimates of $0.69 by $0.03. The bank had revenue of $41.40 million for the quarter, compared to the consensus estimate of $43.07 million. Civista Bancshares had a trailing twelve-month return on equity of 9.77% and a net margin of 15.83%. Read the conference call transcript. Who are Civista Bancshares' major shareholders? Civista Bancshares' top institutional investors include Park National Corp OH (0.12%). Insiders that own company stock include Allen R Nickles, Gerald B Wurm, Dennis E Murray Jr, Julie A Mattlin, Nathan E Weaks, Richard J Dutton, Charles A Parcher, Clyde A Perfect Jr, Darci L Congrove, Ian Whinnem, Dennis G Shaffer, Lance A Morrison, Michael D Mulford and Mark J Macioce. View institutional ownership trends. How do I buy shares of Civista Bancshares? Shares of CIVB stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services. What other stocks do shareholders of Civista Bancshares own? Based on aggregate information from My MarketBeat watchlists, some other companies that Civista Bancshares investors own include NVIDIA (NVDA), Broadcom (AVGO), Meta Platforms (META), Adobe (ADBE), Advanced Micro Devices (AMD), ServiceNow (NOW) and Arista Networks (ANET). Company Calendar Last Earnings7/24/2025Record date for 8/19 Dividend8/05/2025Ex-Dividend for 8/19 Dividend8/05/2025Dividend Payable8/19/2025Today10/05/2025Next Earnings (Estimated)10/23/2025Fiscal Year End12/31/2025Get Stock AlertsIndustry, Sector and Symbol Stock ExchangeNASDAQ SectorFinance Industry BANKS - MIDWEST Sub-IndustryBanking Current SymbolNASDAQ:CIVB CIK944745 Webwww.civb.com Phone(419) 625-4121Fax419-627-3359Employees440Year Founded1884Price Target and Rating Average Price Target for Civista Bancshares$24.80 High Price Target$28.00 Low Price Target$22.00 Potential Upside/Downside+21.3%Consensus RatingHold Rating Score (0-4)2.29 Research Coverage7 Analysts Profitability EPS (Trailing Twelve Months)$2.53 Trailing P/E Ratio8.08 Forward P/E Ratio8.97 P/E GrowthN/ANet Income$31.68 million Net Margins15.83% Pretax Margin18.52% Return on Equity9.77% Return on Assets0.94% Debt Debt-to-Equity Ratio1.35 Current Ratio0.99 Quick Ratio0.99 Sales & Book Value Annual Sales$244.44 million Price / Sales1.62 Cash Flow$2.70 per share Price / Cash Flow7.57 Book Value$24.69 per share Price / Book0.83Miscellaneous Outstanding Shares19,310,000Free Float18,811,000Market Cap$394.89 million OptionableOptionable Beta0.73 Social Links Ten Starter Stocks For Beginners to Buy NowJust getting into the stock market? 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