Civista Bancshares (CIVB) Stock Price, News & Analysis

Company Overview

Civista Bancshares, Inc. is a financial holding company headquartered in Sandusky, Ohio. Through its principal subsidiary, Civista Bank, the company provides community banking services to individuals, families, farmers and businesses.

Civista Bank offers deposit products, residential and commercial real estate lending, consumer loans, agricultural financing, and commercial loans. Its services also include treasury management, online and mobile banking, mortgage lending, trust and investment services, and insurance and financial planning solutions.

The bank traces its roots to the 19th century and has expanded through organic growth and acquisitions. Civista Bank primarily serves communities in Ohio, Indiana and Kentucky through a network of banking offices and digital channels, with an emphasis on relationship-based banking and local decision-making.

Key Stats

• Today's Range: $26.27 to $27.27
• 50-Day Range: $26.59 to $29.30
• 52-Week Range: $19.82 to $29.97
• Volume: 205,527 shs
• Average Volume: 138,821 shs
• Market Capitalization: $562.58 million
• P/E Ratio: 10.02
• Dividend Yield: 2.66%
• Price Target: $30.25
• Consensus Rating: Moderate Buy

Civista Bancshares Stock Analysis - MarketRank™

Civista Bancshares scored higher than 74% of companies evaluated by MarketBeat, and ranked 373rd out of 851 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: 3.2 / 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 11.8% upside from its current price of $27.06.

Amount of Analyst Coverage

Civista Bancshares has been the subject of 5 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

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 10.02, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.92.

Price to Earnings Ratio vs. Sector

The P/E ratio of Civista Bancshares is 10.02, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.95.

Price to Book Value per Share Ratio

Civista Bancshares has a P/B Ratio of 0.96. 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 2.66%, 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: 2.1 / 5
• News Sentiment: 0.35

News Sentiment

Civista Bancshares has a news sentiment score of 0.35. 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 lower news sentiment than the 0.69 average news sentiment score of Finance companies.

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: 9/26/2026
• 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: +11.8%
• 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: 10.02
• Forward P/E Ratio: 9.56
• 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: 2.21
• Cash Flow: $2.93 per share
• Price / Cash Flow: 9.23
• Book Value: $28.14 per share
• Price / Book: 0.96

Miscellaneous

• Outstanding Shares: 20,790,000
• Free Float: 20,453,000
• Market Cap: $562.58 million
• Optionable: Optionable
• Beta: 0.65