Civista Bancshares (CIVB) Stock Price, News & Analysis

Company Overview

Civista Bancshares, Inc. is a financial holding company headquartered in Sandusky, Ohio. It operates primarily through Civista Bank, a community banking institution that provides financial services to individuals, families, businesses and public-sector organizations.

Civista Bank offers a range of deposit products, including checking, savings, money market and certificate of deposit accounts. Its lending activities include residential and commercial real estate, consumer, agricultural and commercial loans. The bank also provides treasury and cash-management services, online and mobile banking, mortgage services, wealth management and fiduciary services.

With roots dating to 1884, Civista serves customers through banking locations and digital channels in communities across Ohio, Indiana and Kentucky. The company focuses on relationship-based banking and supporting the financial needs of the local markets in which it operates.

Key Stats

• Today's Range: $26.67 to $27.10
• 50-Day Range: $26.38 to $29.30
• 52-Week Range: $19.82 to $29.97
• Volume: 93,082 shs
• Average Volume: 128,321 shs
• Market Capitalization: $557.59 million
• P/E Ratio: 9.93
• Dividend Yield: 2.68%
• Price Target: $30.25
• Consensus Rating: Moderate Buy

Civista Bancshares Stock Analysis - MarketRank™

Civista Bancshares scored higher than 61% of companies evaluated by MarketBeat, and ranked 523rd out of 839 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.1 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Civista Bancshares has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on no strong buy ratings, 3 buy ratings, 3 hold ratings, and no sell ratings.

Upside Potential

Civista Bancshares has a consensus price target of $30.25, representing about 12.8% upside from its current price of $26.82.

Amount of Analyst Coverage

Civista Bancshares has only been the subject of 4 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 2.83%

Earnings Growth

Earnings for Civista Bancshares are expected to grow by 2.83% in the coming year, from $2.83 to $2.91 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Civista Bancshares is 9.93, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 42.25.

Price to Earnings Ratio vs. Sector

The P/E ratio of Civista Bancshares is 9.93, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 22.64.

Price to Book Value per Share Ratio

Civista Bancshares has a P/B Ratio of 0.95. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

3.13% of the float of Civista Bancshares has been sold short.

Short Interest Ratio / Days to Cover

Civista Bancshares has a short interest ratio ("days to cover") of 5.04.

Change versus previous month

Short interest in Civista Bancshares has recently increased by 8.45%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Civista Bancshares pays a meaningful dividend of 2.67%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Civista Bancshares has only been increasing its dividend for 4 years.

Dividend Coverage

The dividend payout ratio of Civista Bancshares is 26.67%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Civista Bancshares will have a dividend payout ratio of 24.74% next year. This indicates that Civista Bancshares will be able to sustain or increase its dividend.

News and Social Media

• Score: 0.0 / 5
• News Sentiment: 0.00

News Coverage This Week

MarketBeat has tracked 5 news articles for Civista Bancshares this week, compared to 3 articles on an average week.

Company Ownership

• Score: 0.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Civista Bancshares insiders have not sold or bought any company stock.

Percentage Held by Insiders

1.64% of the stock of Civista Bancshares is held by insiders.

Percentage Held by Institutions

52.10% of the stock of Civista Bancshares is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

Company Calendar

• Last Earnings: 7/23/2026
• Record date for 8/18 Dividend: 8/04/2026
• Ex-Dividend for 8/18 Dividend: 8/04/2026
• Dividend Payable: 8/18/2026
• Today: 10/05/2026
• Next Earnings (Estimated): 10/22/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:CIVB
• CIK: 944745
• Web: www.civb.com
• Phone: (419) 625-4121
• Fax: 419-627-3359
• Employees: 549
• Year Founded: 1884

Price Target and Rating

• Average Price Target for Civista Bancshares: $30.25
• High Price Target: $33.00
• Low Price Target: $26.00
• Potential Upside/Downside: +12.8%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 6 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.70
• Trailing P/E Ratio: 9.93
• Forward P/E Ratio: 9.48
• P/E Growth: N/A
• Net Income: $46.21 million
• Net Margins: 20.79%
• Pretax Margin: 25.10%
• Return on Equity: 10.65%
• Return on Assets: 1.35%

Debt

• Debt-to-Equity Ratio: 0.41
• Current Ratio: 0.95
• Quick Ratio: 0.94

Sales & Book Value

• Annual Sales: $254.95 million
• Price / Sales: 2.19
• Cash Flow: $2.92 per share
• Price / Cash Flow: 9.20
• Book Value: $28.14 per share
• Price / Book: 0.95

Miscellaneous

• Outstanding Shares: 20,790,000
• Free Float: 20,453,000
• Market Cap: $557.59 million
• Optionable: Optionable
• Beta: 0.66