Symbols / CIVB Stock $25.33 +1.56% Civista Bancshares, Inc.

Financial Services • Banks - Regional • United States • NCM
CIVB (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Dennis G. Shaffer
Exch · Country NCM · United States
Market Cap 526.44M
Enterprise Value 640.54M
Income 50.88M
Sales 177.99M
FCF (ttm) —
Book/sh 26.57
Cash/sh 4.16
Employees 535
Insider 10d —
IPO Apr 06, 1994
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 25.56%
P/E 9.38
Forward P/E 8.80
PEG 1.37
P/S 2.96
P/B 0.95
P/C —
EV/EBITDA —
EV/Sales 3.60
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 2.70
EPS next Y 2.88
EPS Growth 9.70%
Revenue Growth 22.60%
EPS Gr Q/Q 47.40%
Rev Gr Q/Q —
Earnings (next) 2026-07-23
Earnings (prior) 2026-04-22
ROA 1.21%
ROE 10.75%
ROIC —
Gross Margin 0.00%
Oper. Margin 39.95%
Profit Margin 28.67%
Shs Outstand 20.78M
Shs Float 20.31M
Insider Own 2.00%
Instit Own 63.09%
Short Float 1.34%
Short Ratio 2.90
Short Interest 273.83K
52W High 25.59
vs 52W High -1.02%
52W Low 18.95
vs 52W Low 33.67%
Beta 0.63
Impl. Vol. 41.98%
Rel Volume 1.03
Avg Volume 95.25K
Volume 98.54K
Target (mean) $27.00
Tgt Median $27.50
Tgt Low $25.00
Tgt High $28.00
# Analysts 6
Recom Buy
Prev Close $24.94
Price $25.33
Change 1.56%
About

Civista Bancshares, Inc. operates as the financial holding company for Civista Bank that provides banking services in the United States. The company offers personal and commercial checking accounts; retirement, money market, time, and savings accounts; safe deposit boxes; wire transfers; and automated teller services. It also provides internet banking; ACH origination; telephone banking; and mobile/digital banking services, as well as remote deposit capture banking services for retail and business customers. In addition, the company offers time deposits that consist of certificates of deposit, including those held in IRA accounts and reciprocal deposits. Further, its loan portfolio includes commercial and agriculture; commercial real estate – owner and non-owner occupied; residential and farm real estate; real estate construction; lease financing receivable; consumer; and other loans, as well as home equity line of credit. Additionally, the company holds and manages securities portfolio; leases general equipment; and provides captive insurance products and investment advisory services. It operates in North Central, West Central, South Western Ohio, South Eastern Indiana, and Northern Kentucky. The company was formerly known as First Citizens Banc Corp and changed its name to Civista Bancshares, Inc. in May 2015. Civista Bancshares, Inc. was founded in 1884 and is headquartered in Sandusky, Ohio.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$27.00
Mean price target
2. Current target
$25.33
Latest analyst target
3. DCF / Fair value
$40.50
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$25.33
Low
$25.00
High
$28.00
Mean
$27.00

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-24 main Piper Sandler Neutral → Neutral $27
2026-04-02 main Piper Sandler Neutral → Neutral $25
2026-01-30 main DA Davidson Buy → Buy $28
2026-01-30 main Keefe, Bruyette & Woods Outperform → Outperform $28
2025-11-21 main DA Davidson Buy → Buy $26
2025-10-24 main Keefe, Bruyette & Woods Outperform → Outperform $27
2025-07-29 main Stephens & Co. Equal-Weight → Equal-Weight $24
2025-07-14 main DA Davidson Buy → Buy $26
2025-04-28 main Piper Sandler Neutral → Neutral $24
2025-04-25 main Stephens & Co. Equal-Weight → Equal-Weight $25
2025-04-25 main Keefe, Bruyette & Woods Outperform → Outperform $28
2025-01-31 reit Stephens & Co. Equal-Weight → Equal-Weight $24
2024-12-04 main Keefe, Bruyette & Woods Outperform → Outperform $25
2024-10-30 main Stephens & Co. Equal-Weight → Equal-Weight $21
2024-10-30 up Hovde Group Market Perform → Outperform —
2024-08-01 main Piper Sandler Neutral → Neutral $19
2024-07-30 reit Keefe, Bruyette & Woods Outperform → Outperform $19
2024-05-01 reit Keefe, Bruyette & Woods Outperform → Outperform $18
2024-02-21 init Piper Sandler — → Neutral $18
2024-02-09 main Stephens & Co. Equal-Weight → Equal-Weight $19
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-11 PARCHER CHARLES A. President — 4,376 $0.00 $0
2026-03-11 WALTZ-JASKOLSKI DONNA M Officer — 1,176 $0.00 $0
2026-03-11 CURRY ROBERT L JR Officer — 1,323 $0.00 $0
2026-03-11 KESSLER CARL A III Officer — 1,614 $0.00 $0
2026-03-11 EDWARDS RUSSELL L JR. Officer — 1,121 $0.00 $0
2026-03-11 WHINNEM IAN Chief Financial Officer — 2,313 $0.00 $0
2026-03-11 KATITUS ROBERT L. Officer — 1,544 $0.00 $0
2026-03-11 DOUCETTE VERONICA G Officer — 908 $0.00 $0
2026-03-11 SHAFFER DENNIS G Chief Executive Officer — 6,685 $0.00 $0
2026-03-11 MULFORD MICHAEL D Officer — 1,361 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
169.82
+11.79%
151.91
-5.20%
160.24
+16.94%
137.03
Operating Revenue
169.82
+11.79%
151.91
-5.20%
160.24
+16.94%
137.03
Selling General And Administration
62.81
-5.61%
66.54
+8.58%
61.28
+14.82%
53.37
Selling And Marketing Expense
1.39
-33.62%
2.09
+54.44%
1.35
-10.64%
1.51
General And Administrative Expense
61.42
-4.70%
64.45
+7.55%
59.93
+15.56%
51.86
Salaries And Wages
58.74
-4.98%
61.82
+6.06%
58.29
+14.16%
51.06
Other Gand A
—
—
—
—
Reconciled Depreciation
9.88
-10.43%
11.03
-10.62%
12.34
+114.52%
5.75
Net Income
46.21
+45.86%
31.68
-26.26%
42.96
+8.97%
39.43
Pretax Income
55.23
+51.02%
36.57
-27.74%
50.61
+7.61%
47.03
Net Interest Income
138.58
+18.74%
116.71
-7.00%
125.50
+13.88%
110.20
Interest Expense
82.40
-8.43%
89.98
+57.21%
57.24
+258.84%
15.95
Interest Income
220.99
+6.91%
206.69
+13.11%
182.73
+44.85%
126.16
Gain On Sale Of Security
0.27
-4.91%
0.28
+1457.14%
-0.02
-116.41%
0.13
Tax Provision
9.02
+84.48%
4.89
-36.06%
7.65
+0.54%
7.61
Tax Rate For Calcs
0.00
+22.16%
0.00
-11.51%
0.00
-6.71%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
46.21
+45.86%
31.68
-26.26%
42.96
+8.97%
39.43
Net Income From Continuing Operation Net Minority Interest
46.21
+45.86%
31.68
-26.26%
42.96
+8.97%
39.43
Net Income From Continuing And Discontinued Operation
46.21
+45.86%
31.68
-26.26%
42.96
+8.97%
39.43
Net Income Continuous Operations
46.21
+45.86%
31.68
-26.26%
42.96
+8.97%
39.43
Normalized Income
46.21
+45.86%
31.68
-26.26%
42.96
+8.97%
39.43
Net Income Common Stockholders
46.21
+45.86%
31.68
-26.26%
42.96
+8.97%
39.43
Otherunder Preferred Stock Dividend
—
—
1.58
+217.87%
0.50
Diluted EPS
—
2.01
-26.37%
2.73
+5.00%
2.60
Basic EPS
—
2.01
-26.37%
2.73
+5.00%
2.60
Basic Average Shares
—
15.39
+1.56%
15.15
-0.05%
15.16
Diluted Average Shares
—
15.39
+1.56%
15.15
-0.05%
15.16
Diluted NI Availto Com Stockholders
46.21
+45.86%
31.68
-26.26%
42.96
+8.97%
39.43
Amortization
1.56
+5.39%
1.48
-6.02%
1.58
+21.84%
1.30
Amortization Of Intangibles Income Statement
1.56
+5.39%
1.48
-6.02%
1.58
+21.84%
1.30
Depreciation Amortization Depletion Income Statement
1.56
+5.39%
1.48
-6.02%
1.58
+21.84%
1.30
Depreciation And Amortization In Income Statement
1.56
+5.39%
1.48
-6.02%
1.58
+21.84%
1.30
Insurance And Claims
2.68
+1.94%
2.63
+60.72%
1.64
+105.40%
0.80
Occupancy And Equipment
14.03
-4.20%
14.65
-11.10%
16.48
+68.66%
9.77
Other Non Interest Expense
26.22
+21.83%
21.52
+2.98%
20.90
+13.47%
18.42
Professional Expense And Contract Services Expense
6.58
+13.86%
5.78
+16.70%
4.95
-8.09%
5.39
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
4,336.45
+5.81%
4,098.47
+6.14%
3,861.42
+6.10%
3,639.45
Cash And Cash Equivalents
78.48
+21.48%
64.61
+4.83%
61.63
+37.45%
44.84
Other Short Term Investments
321.35
-50.41%
648.07
+4.82%
618.27
+0.47%
615.40
Receivables
48.18
-18.33%
58.99
-12.17%
67.16
+41.26%
47.55
Accounts Receivable
14.44
+7.31%
13.45
+4.95%
12.82
+14.68%
11.18
Other Receivables
33.74
-25.91%
45.54
-16.20%
54.34
+49.43%
36.37
Net PPE
40.61
-13.90%
47.17
-16.92%
56.77
-11.32%
64.02
Gross PPE
126.23
-4.70%
132.45
+5.65%
125.37
+18.18%
106.09
Accumulated Depreciation
-85.62
-0.39%
-85.29
-24.32%
-68.61
-63.07%
-42.07
Land And Improvements
8.43
+1.55%
8.30
-1.06%
8.39
+5.97%
7.92
Buildings And Improvements
44.09
+8.89%
40.49
+0.19%
40.42
+15.03%
35.14
Machinery Furniture Equipment
73.70
-11.90%
83.66
+9.26%
76.56
+21.47%
63.03
Goodwill And Other Intangible Assets
143.54
+7.60%
133.40
-1.20%
135.03
-1.05%
136.45
Goodwill
130.44
+3.92%
125.52
+0.00%
125.52
-0.14%
125.69
Other Intangible Assets
13.10
+66.18%
7.88
-17.09%
9.51
-11.63%
10.76
Investments And Advances
710.54
+4.36%
680.84
+4.67%
650.44
-0.11%
651.18
Total Liabilities Net Minority Interest
3,792.98
+2.24%
3,709.97
+6.32%
3,489.42
+5.59%
3,304.61
Payables And Accrued Expenses
—
—
—
24.70
Current Accrued Expenses
—
—
—
24.70
Current Debt And Capital Lease Obligation
175.00
-48.38%
339.00
+0.30%
338.00
-14.15%
393.70
Current Debt
175.00
-48.38%
339.00
+0.30%
338.00
-14.15%
393.70
Other Current Borrowings
175.00
-48.38%
339.00
+0.30%
338.00
-14.15%
393.70
Long Term Debt And Capital Lease Obligation
109.18
-2.42%
111.88
-3.71%
116.19
-48.25%
224.51
Long Term Debt
109.18
-2.42%
111.88
-3.71%
116.19
-48.25%
224.51
Stockholders Equity
543.47
+39.89%
388.50
+4.44%
372.00
+11.10%
334.83
Common Stock Equity
543.47
+39.89%
388.50
+4.44%
372.00
+11.10%
334.83
Capital Stock
419.77
+34.53%
312.04
+0.28%
311.17
+0.32%
310.18
Common Stock
419.77
+34.53%
312.04
+0.28%
311.17
+0.32%
310.18
Share Issued
24.61
+27.24%
19.34
+0.27%
19.29
+0.30%
19.23
Ordinary Shares Number
20.75
+33.95%
15.49
-1.32%
15.70
-0.21%
15.73
Treasury Shares Number
3.86
+0.23%
3.85
+7.21%
3.59
+2.58%
3.50
Retained Earnings
239.78
+16.74%
205.41
+11.76%
183.79
+17.44%
156.49
Gains Losses Not Affecting Retained Earnings
-40.31
+24.44%
-53.36
-12.26%
-47.53
+18.12%
-58.05
Treasury Stock
75.76
+0.24%
75.59
+0.22%
75.42
+2.21%
73.79
Other Equity Adjustments
-40.31
+24.44%
-53.36
-12.26%
-47.53
+18.12%
-58.05
Total Equity Gross Minority Interest
543.47
+39.89%
388.50
+4.44%
372.00
+11.10%
334.83
Total Capitalization
652.65
+30.43%
500.38
+2.50%
488.20
-12.72%
559.34
Invested Capital
827.65
-1.40%
839.38
+1.60%
826.20
-13.31%
953.04
Total Debt
284.18
-36.97%
450.88
-0.73%
454.19
-26.53%
618.21
Net Debt
205.69
-46.75%
386.28
-1.60%
392.56
-31.53%
573.37
Net Tangible Assets
399.94
+56.78%
255.10
+7.65%
236.97
+19.45%
198.38
Tangible Book Value
399.94
+56.78%
255.10
+7.65%
236.97
+19.45%
198.38
Available For Sale Securities
389.19
+1087.54%
32.77
+1.88%
32.17
-10.09%
35.77
Cash Cash Equivalents And Federal Funds Sold
78.48
+21.48%
64.61
+4.83%
61.63
+37.45%
44.84
Derivative Product Liabilities
5.75
-50.61%
11.64
-6.75%
12.48
-24.72%
16.58
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
43.27
-10.31%
48.25
-23.05%
62.70
+148.97%
25.18
Cash Flow From Continuing Operating Activities
43.27
-10.31%
48.25
-23.05%
62.70
+148.97%
25.18
Net Income From Continuing Operations
46.21
+45.86%
31.68
-26.26%
42.96
+8.97%
39.43
Depreciation Amortization Depletion
9.88
-10.43%
11.03
-10.62%
12.34
+114.52%
5.75
Depreciation
8.31
-12.89%
9.54
-11.29%
10.76
+141.47%
4.46
Amortization Cash Flow
1.56
+5.39%
1.48
-6.02%
1.58
+21.84%
1.30
Depreciation And Amortization
9.88
-10.43%
11.03
-10.62%
12.34
+114.52%
5.75
Amortization Of Intangibles
1.56
+5.39%
1.48
-6.02%
1.58
+21.84%
1.30
Other Non Cash Items
-3.86
-227.09%
3.04
+299.21%
0.76
-79.49%
3.71
Stock Based Compensation
0.85
-2.18%
0.87
-11.48%
0.98
+20.15%
0.82
Deferred Tax
1.19
+164.11%
-1.85
-174.52%
-0.68
-239.75%
0.48
Deferred Income Tax
1.19
+164.11%
-1.85
-174.52%
-0.68
-239.75%
0.48
Operating Gains Losses
-4.76
-0.89%
-4.72
-58.91%
-2.97
+15.77%
-3.52
Gain Loss On Investment Securities
-0.27
+4.91%
-0.28
-1457.14%
0.02
+116.41%
-0.13
Gain Loss On Sale Of PPE
0.00
-100.00%
0.01
+106.10%
-0.08
0.00
Change In Working Capital
-7.48
-346.38%
3.04
-46.64%
5.69
+125.88%
-21.98
Change In Receivables
-0.54
+14.35%
-0.63
+61.37%
-1.64
+19.91%
-2.05
Changes In Account Receivables
-0.54
+14.35%
-0.63
+61.37%
-1.64
+19.91%
-2.05
Change In Payables And Accrued Expense
-4.95
-70642.86%
-0.01
-100.08%
8.86
+2833.11%
0.30
Change In Payable
-4.95
-70642.86%
-0.01
-100.08%
8.86
+2833.11%
0.30
Change In Account Payable
-4.95
-70642.86%
-0.01
-100.08%
8.86
+2833.11%
0.30
Change In Other Working Capital
-1.99
-153.98%
3.68
+340.80%
-1.53
+92.45%
-20.24
Investing Cash Flow
55.59
+121.48%
-258.80
+16.99%
-311.78
+24.02%
-410.36
Cash Flow From Continuing Investing Activities
55.59
+121.48%
-258.80
+16.99%
-311.78
+24.02%
-410.36
Net PPE Purchase And Sale
0.23
+339.62%
0.05
+101.55%
-3.43
+45.79%
-6.33
Purchase Of PPE
-1.16
+72.34%
-4.19
-22.08%
-3.43
+47.31%
-6.51
Sale Of PPE
1.39
-67.19%
4.24
0.00
-100.00%
0.18
Capital Expenditure
-1.16
+72.34%
-4.19
-22.08%
-3.43
+47.31%
-6.51
Net Investment Purchase And Sale
-12.48
+67.72%
-38.67
-401.58%
12.82
+134.47%
-37.21
Purchase Of Investment
-123.82
-41.96%
-87.22
-87.74%
-46.46
+68.34%
-146.75
Sale Of Investment
111.33
+129.35%
48.54
-18.11%
59.28
-45.88%
109.55
Net Business Purchase And Sale
149.47
0.00
0.00
+100.00%
-51.64
Purchase Of Business
—
0.00
0.00
+100.00%
-51.64
Net Other Investing Changes
1.47
+36.53%
1.07
+116.06%
-6.68
—
Financing Cash Flow
-84.70
-139.71%
213.30
-19.85%
266.13
+61.98%
164.30
Cash Flow From Continuing Financing Activities
-84.70
-139.71%
213.30
-19.85%
266.13
+61.98%
164.30
Net Issuance Payments Of Debt
-166.85
-4939.23%
-3.31
+94.71%
-62.54
-124.25%
257.95
Issuance Of Debt
—
—
0.00
0.00
Repayment Of Debt
-2.85
+33.91%
-4.31
+92.97%
-61.36
+54.80%
-135.75
Long Term Debt Issuance
—
—
0.00
0.00
Long Term Debt Payments
-2.85
+33.91%
-4.31
+92.97%
-61.36
+54.80%
-135.75
Net Long Term Debt Issuance
-2.85
+33.91%
-4.31
+92.97%
-61.36
+54.80%
-135.75
Net Short Term Debt Issuance
-164.00
-16500.00%
1.00
+184.32%
-1.19
-100.30%
393.70
Net Common Stock Issuance
75.49
+46129.27%
-0.16
+89.93%
-1.63
+90.36%
-16.89
Common Stock Payments
-0.18
-8.54%
-0.16
+89.93%
-1.63
+90.36%
-16.89
Common Stock Dividend Paid
-11.84
-17.62%
-10.06
-4.83%
-9.60
-13.02%
-8.49
Cash Dividends Paid
-11.84
-17.62%
-10.06
-4.83%
-9.60
-13.02%
-8.49
Repurchase Of Capital Stock
-0.18
-8.54%
-0.16
+89.93%
-1.63
+90.36%
-16.89
Changes In Cash
14.16
+415.28%
2.75
-83.87%
17.05
+107.72%
-220.88
Beginning Cash Position
63.16
+4.55%
60.41
+39.31%
43.36
-83.59%
264.24
End Cash Position
77.32
+22.43%
63.16
+4.55%
60.41
+39.31%
43.36
Free Cash Flow
42.12
-4.41%
44.06
-25.66%
59.27
+217.37%
18.68
Interest Paid Supplemental Data
86.53
-3.85%
89.99
+86.01%
48.38
+352.32%
10.70
Income Tax Paid Supplemental Data
8.07
+65.27%
4.89
-48.62%
9.51
+202.38%
3.15
Amortization Of Securities
0.55
-42.41%
0.96
+105.56%
0.47
-70.88%
1.61
Common Stock Issuance
75.67
0.00
0.00
—
Issuance Of Capital Stock
75.67
0.00
0.00
—
Net Preferred Stock Issuance
—
—
—
—
Preferred Stock Payments
—
—
—
—
Sale Of Business
149.47
0.00
0.00
—
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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