Civista Bancshares (CIVB) Stock Price, News & Analysis

Company Overview

Civista Bancshares, Inc. is a regional bank holding company headquartered in Saginaw, Michigan, serving communities across mid-Michigan and northwestern Ohio. As the parent company of Civista Bank, it traces its roots to the early 20th century and has grown into a full-service financial institution. Through an extensive branch network and digital platforms, Civista Bancshares offers a comprehensive range of banking solutions tailored to the needs of individuals, families and businesses in its core markets.

The company’s primary business activities include traditional commercial and consumer lending, deposit services, mortgage origination, wealth management and insurance products. Consumer offerings span personal checking and savings accounts, home equity lines of credit, residential mortgages and online banking capabilities. On the commercial side, Civista Bancshares provides term loans, lines of credit, treasury management services and equipment financing, leveraging local decision making to streamline credit approvals and relationship management.

Beyond its banking operations, Civista Bancshares delivers wealth planning, investment advisory and trust services through dedicated teams of financial advisors. Its insurance subsidiary offers property and casualty coverage, life and health policies, and benefits consulting for both individual and corporate clients. By integrating banking, wealth management and insurance under one umbrella, the company aims to provide a holistic approach to financial planning and risk mitigation for its customers.

With origins dating back more than a century, Civista Bancshares has expanded through both organic growth and strategic acquisitions, while maintaining a strong community focus. The board of directors comprises seasoned banking professionals and local business leaders who guide corporate strategy and governance. Daily operations are overseen by an experienced executive team led by the president and chief executive officer. Under their leadership, the company remains committed to fostering long-term relationships, supporting regional economic development and delivering personalized service to the communities it serves.

Key Stats

• Today's Range: $24.46 to $25.21
• 50-Day Range: $21.76 to $25.08
• 52-Week Range: $14.45 to $25.93
• Volume: 34,096 shs
• Average Volume: 50,516 shs
• Market Capitalization: $380.86 million
• P/E Ratio: 10.81
• Dividend Yield: 2.77%
• Price Target: $25.20
• Consensus Rating: Moderate Buy

Civista Bancshares Stock Analysis - MarketRank™

Civista Bancshares scored higher than 84% of companies evaluated by MarketBeat, and ranked 271st out of 901 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: 1.3 / 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 2 buy ratings, 2 hold ratings, and no sell ratings.

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 10.78, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.72.

Price to Earnings Ratio vs. Sector

The P/E ratio of Civista Bancshares is 10.78, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.97.

Price to Book Value per Share Ratio

Civista Bancshares has a P/B Ratio of 0.99. 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

1.49% 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 5.6.

Change versus previous month

Short interest in Civista Bancshares has recently increased by 1.93%, indicating that investor sentiment is decreasing.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Civista Bancshares pays a meaningful dividend of 2.71%, 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 29.96%. 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

1.49% 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 5.6.

Change versus previous month

Short interest in Civista Bancshares has recently increased by 1.93%, indicating that investor sentiment is decreasing.

News and Social Media

• Score: 2.6 / 5
• News Sentiment: N/A

News Sentiment

Civista Bancshares has a news sentiment score of 0.70. 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 Week

MarketBeat has tracked 1 news article for Civista Bancshares this week, compared to 2 articles on an average week.

Search Interest

2 people have searched for CIVB on MarketBeat in the last 30 days. This is an increase of 100% compared to the previous 30 days.

MarketBeat Follows

2 people have added Civista Bancshares to their MarketBeat watchlist 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 $137,849.00 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 increased by 16.3% and is now trading at $24.46.

How were Civista Bancshares' earnings last quarter?

Civista Bancshares, Inc. (NASDAQ:CIVB) released its quarterly earnings results on Thursday, April, 24th. The bank reported $0.66 earnings per share (EPS) for the quarter, topping the consensus estimate of $0.50 by $0.16. The bank earned $40.63 million during the quarter, compared to the consensus estimate of $40.33 million. Civista Bancshares had a trailing twelve-month return on equity of 9.13% and a net margin of 14.35%.
Read the conference call transcript.

Who are Civista Bancshares' major shareholders?

Top institutional investors of Civista Bancshares include Park National Corp OH (0.16%). Insiders that own company stock include Allen R Nickles, Gerald B Wurm, Dennis E Murray Jr, Julie A Mattlin, Nathan E Weaks, Michael D Mulford, Charles A Parcher, Darci L Congrove and Ian Whinnem.
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: 4/24/2025
• Record date for 5/13 Dividend: 4/29/2025
• Ex-Dividend for 5/13 Dividend: 4/29/2025
• Dividend Payable: 5/13/2025
• Today: 7/07/2025
• Next Earnings (Estimated): 8/04/2025
• 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 Stock Price Target: $25.20
• High Stock Price Target: $28.00
• Low Stock Price Target: $22.00
• Potential Upside/Downside: +0.5%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.27
• Trailing P/E Ratio: 11.05
• Forward P/E Ratio: 11.00
• P/E Growth: N/A
• Net Income: $31.68 million
• Net Margins: 14.35%
• Pretax Margin: 16.70%
• Return on Equity: 9.13%
• Return on Assets: 0.87%

Debt

• Debt-to-Equity Ratio: 1.19
• Current Ratio: 0.97
• Quick Ratio: 0.97

Sales & Book Value

• Annual Sales: $244.44 million
• Price / Sales: 1.59
• Cash Flow: $2.70 per share
• Price / Cash Flow: 9.28
• Book Value: $24.69 per share
• Price / Book: 1.02

Miscellaneous

• Outstanding Shares: 15,520,000
• Free Float: 15,116,000
• Market Cap: $389.24 million
• Optionable: Optionable
• Beta: 0.69