Civista Bancshares (CIVB) Stock Price, News & Analysis

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.

Key Stats

• Today's Range: $20.75 to $21.10
• 50-Day Range: $19.28 to $24.93
• 52-Week Range: $16.89 to $25.59
• Volume: 30,129 shs
• Average Volume: 61,261 shs
• Market Capitalization: $401.71 million
• P/E Ratio: 8.22
• Dividend Yield: 3.27%
• Price Target: $24.80
• Consensus Rating: Hold

Civista Bancshares Stock Analysis - MarketRank™

Civista Bancshares scored higher than 97% of companies evaluated by MarketBeat, and ranked 54th out of 956 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: 3.3 / 5
• Analyst Rating: Hold

Consensus Rating

Civista Bancshares has received a consensus rating of Hold. The company's average rating score is 2.40, and is based on 2 buy ratings, 3 hold ratings, and no sell ratings.

Upside Potential

Civista Bancshares has a consensus price target of $24.80, representing about 19.2% upside from its current price of $20.80.

Amount of Analyst Coverage

Civista Bancshares has only been the subject of 3 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 14.04%

Earnings Growth

Earnings 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 Market

The P/E ratio of Civista Bancshares is 8.22, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 280.50.

Price to Earnings Ratio vs. Sector

The P/E ratio of Civista Bancshares is 8.22, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 244.67.

Price to Book Value per Share Ratio

Civista Bancshares has a P/B Ratio of 0.84. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.55% 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 1.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Civista Bancshares has recently increased by 17.73%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Civista Bancshares pays a meaningful dividend of 3.23%, 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 26.88%. 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 26.15% next year. This indicates that Civista Bancshares will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 3.1 / 5
• Environmental Score: -0.68

Percentage of Shares Shorted

0.55% 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 1.1, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Civista Bancshares has recently increased by 17.73%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 3.3 / 5
• News Sentiment: N/A

News Sentiment

Civista Bancshares has a news sentiment score of 1.89. 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 is a higher news sentiment than the 1.08 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for Civista Bancshares this week, compared to 3 articles on an average week.

Search Interest

4 people have searched for CIVB on MarketBeat in the last 30 days.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In 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 Insiders

Only 2.60% 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.

CIVB Stock Analysis - Frequently Asked Questions

How have CIVB shares performed this year?

Civista Bancshares' stock was trading at $21.04 on January 1st, 2025. Since then, CIVB stock has decreased by 1.1% and is now trading at $20.80.

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 the consensus estimate of $0.69 by $0.03. The bank earned $41.40 million during the quarter, compared to analyst estimates of $43.07 million. Civista Bancshares had a net margin of 15.83% and a trailing twelve-month return on equity of 9.77%.
Read the conference call transcript.

Who are Civista Bancshares' major shareholders?

Top institutional investors of Civista Bancshares include The Manufacturers Life Insurance Company (2.33%), Geode Capital Management LLC (2.37%), Mendon Capital Advisors Corp (1.30%) and American Century Companies Inc. (1.27%). 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 Earnings: 7/24/2025
• Record date for 8/19 Dividend: 8/05/2025
• Ex-Dividend for 8/19 Dividend: 8/05/2025
• Dividend Payable: 8/19/2025
• Today: 9/15/2025
• Next Earnings (Estimated): 11/04/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - MIDWEST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:CIVB
• CIK: 944745
• Web: www.civb.com
• Phone: (419) 625-4121
• Fax: 419-627-3359
• Employees: 440
• Year Founded: 1884

Price Target and Rating

• Average Price Target for Civista Bancshares: $24.80
• High Price Target: $28.00
• Low Price Target: $22.00
• Potential Upside/Downside: +19.1%
• Consensus Rating: Hold
• Rating Score (0-4): 2.40
• Research Coverage: 5 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.53
• Trailing P/E Ratio: 8.23
• Forward P/E Ratio: 9.13
• P/E Growth: N/A
• Net Income: $31.68 million
• Net Margins: 15.83%
• Pretax Margin: 18.52%
• Return on Equity: 9.77%
• Return on Assets: 0.94%

Debt

• Debt-to-Equity Ratio: 1.35
• Current Ratio: 0.99
• Quick Ratio: 0.99

Sales & Book Value

• Annual Sales: $159.19 million
• Price / Sales: 2.53
• Cash Flow: $2.70 per share
• Price / Cash Flow: 7.71
• Book Value: $24.69 per share
• Price / Book: 0.84

Miscellaneous

• Outstanding Shares: 19,313,000
• Free Float: 18,811,000
• Market Cap: $402.19 million
• Optionable: Optionable
• Beta: 0.76