CIVB logo

CIVISTA BANCSHARES INC

CIVBNASDAQ
🏆 #2918 by market capUS Equity
$733.47▼ $57.58 (−7.85%)
Simulated price
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24h▼ 7.8%
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🏦Market Cap
$555M
Small Cap
📈Revenue Growth (YoY)
+5.4%
Slowing
📊Gross Margin
65.8%
High
💵FCF Margin
25.1%
Strong
⚖️P/S Ratio
2.5x
Cheap
Otter Score
72
Fair
No chart data available for CIVB.

Trading Snapshot

Day Range
$726.50 – $742.14
52-Week Range
$19.82 – $29.97
Volume
$2.26B
Avg Volume
$2.59B
Shares Outstanding
20.8M
Next Earnings
Nov 17, 2026

Fundamentals Snapshot

Annual Revenue
$255M
Last Q Revenue
$39M
P/E Ratio
9.9
P/S Ratio
2.5x
EPS (TTM)
$2.62
Dividend Yield
2.66%
Dilution (1yr)
+31.1%

Why Investors Own CIVB

  • ✓High-growth profile — revenue up +53.8% YoY with expanding US Equity exposure.
  • ✓Healthy economics — 68% gross margin and 14% free-cash-flow margin.
  • ✓New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

CIVB logo

CIVISTA BANCSHARES INC

CIVB
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$255M▲ +5.4% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
66.4%▲ +9.5% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$55M▲ +51.0% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$42M▼ −4.4% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
20.2M▲ +31.1% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
−$206M▲ +$181M YoY
StockOtter · stockotter.space

About CIVISTA BANCSHARES INC

Serving as the financial holding company for Civista Bank, Civista Bancshares, Inc. delivers comprehensive community banking services. The company actively gathers various customer deposits and provides a broad spectrum of lending products, encompassing commercial, agricultural, residential and commercial real estate, farm real estate, and construction loans, as well as consumer credit and letters of credit. Beyond banking, it also acquires securities and offers trust services alongside third-party insurance. With approximately 42 branch locations, Civista Bancshares extends its reach across Northern, Central, Southwestern, and Northwestern Ohio, in addition to Southeastern Indiana and Northern Kentucky. Founded in 1884, the company is headquartered in Sandusky, Ohio, and officially changed its name from First Citizens Banc Corp to Civista Bancshares, Inc. in May 2015.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5★ and equally weighted (20%), averaged to a 0–100 score:💎 Quality — gross margin🚀 Growth — revenue YoY⚖️ Valuation — P/S ratio⚡ Momentum — 30-day price change💧 Dilution — 1-yr share issuance (buybacks score higher)
💎Quality★★★★★
🚀Growth★★★★★
⚖️Valuation★★★★★
⚡Momentum★★★★★
💧Dilution★★★★★
Overall Score
Fair
72/100

Analyst Price Target

ⓘ
Average Target
$851.96
▲ +16.2% Upside
High Target$972.12
Low Target$781.85
Based on 13 analysts

Latest News & Updates

🚀
CNBC·2h ago

CIVISTA BANCSHARES INC tops quarterly estimates as demand accelerates

Revenue grew double digits with management guiding above consensus; margins continued to expand.

🛰️
Barron’s·5h ago

Analysts lift CIVB price targets on improving margins

Several firms raised targets, citing stronger free cash flow and a healthier backlog.

🌌
CNBC·1d ago

CIVISTA BANCSHARES INC announces new agreement to expand its footprint

The move broadens the company’s reach and could add incremental revenue over the next year.