CIVB
Civista Bancshares, Inc.
CIVB's fundamentals are mixed, but it looks expensive: trading at 10x earnings, above its usual 8.8x. Analysts expect earnings growth.
CIVB Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
CIVB's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like CIVB.
CIVB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.4x | $17.69 | -38% |
| Fair | 8.8x | $24.35 | -15% |
| Forward | 9.8x | $28.72 | — |
| Expensive | 10x | $28.37 | -1.2% |
| Current | 10x | $28.72 | — |
Historical ranges are pointers, not guarantees.
CIVB's PE is in its expensive range at 10x. If earnings grow as analysts expect, today's price would be 9.8x next year's earnings.
CIVB Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for CIVB, with profitability improving.
CIVB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.93 | +5.8% |
| Q3 2026 | $2.77 | +3.7% |
| Q2 2026 | $2.68 | +6.3% |
| Q1 2026 | $2.70 | +19% |
| Q4 2025 | $2.64 | +31% |
| Q3 2025 | $2.67 | +34% |
| Q2 2025 | $2.52 | +18% |
| Q1 2025 | $2.26 | -2.6% |
| Q4 2024 | $2.01 | -26% |
CIVB earned $2.77 per share over the past year, up 3.7% from the year before.
CIVB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $49.1M | +11% |
| Q2 2026 | $47.6M | +15% |
| Q1 2026 | $47.3M | +16% |
| Q4 2025 | $46.3M | +15% |
| Q3 2025 | $44.2M | +14% |
| Q2 2025 | $41.4M | +8.1% |
| Q1 2025 | $40.6M | +10% |
| Q4 2024 | $40.4M | +3.8% |
CIVB's revenue has grown year over year for eight quarters in a row: $49M last quarter, up 11% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 40% | +4.9 points |
| Q2 2026 | 36% | +4.9 points |
| Q1 2026 | 38% | +8.7 points |
| Q4 2025 | 32% | +3.6 points |
| Q3 2025 | 35% | +9.9 points |
| Q2 2025 | 31% | +10 points |
| Q1 2025 | 29% | +9.9 points |
| Q4 2024 | 28% | -0.7 points |
CIVB's operating margin was 40% last quarter, up 4.9 points from the same quarter a year ago, near the top of its range since 2019.
CIVB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $27.6M | +45% |
| Q2 2026 | $17.1M | +54% |
| Q1 2026 | $12.2M | +253% |
| Q3 2025 | $19M | +47% |
| Q2 2025 | $11.1M | -7.4% |
| Q1 2025 | $3.5M | +449% |
| Q3 2024 | $12.9M | -38% |
| Q2 2024 | $12M | -38% |
CIVB's free cash flow was $76M over the past year, up 92% from the year before. Free cash flow isn't a meaningful measure for financial services companies like CIVB.
CIVB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -10.5K shares |
| 1 year | +11% | +2M shares |
| 3 years | +32% | +5M shares |
| 5 years | +37% | +5.6M shares |
| Available history | +23% | +3.8M shares |
CIVB has 21M diluted shares, up 11% from a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $2.2M |
| Q2 2026 | — |
| Q1 2026 | $318,000 |
| Q4 2025 | $4,000 |
| Q3 2025 | $7,000 |
| Q2 2025 | — |
| Q1 2025 | $167,000 |
| Q4 2024 | — |
CIVB spent $3M buying back its own shares over the past year, more than ten times what it spent the year before.
CIVB Net Leverage
CIVB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 63.3 | Neutral |
| Stochastic | 65.3 | Neutral |
CIVB's weekly RSI is 63 (neutral) and its Stochastic is 65 (neutral).
CIVB PE vs Financial Services Sector
| Metric | CIVB | Sector median | Relative |
|---|---|---|---|
| PE | 10x | 13x | 20% below |
| PE % | 85 | 63 | 22 pts above |
CIVB is trading at 10x earnings, a 20% discount to the Financial Services sector's median of 13x.
CIVB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $27.6 | 4% above |
| 20 week MA | $27.9 | 3% above |
| 50 week MA | $25.7 | 12% above |
| 100 week MA | $23.4 | 23% above |
| 200 week MA | $20.3 | 42% above |
CIVB is in an uptrend: it's above all five of its weekly moving averages, and 42% above its 200-week average.
CIVB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $23.9 | $16.8 | -30% |
| 2021 | $16.8 | $24.6 | +46% |
| 2022 | $24.6 | $22.1 | -10% |
| 2023 | $22.1 | $18.4 | -16% |
| 2024 | $18.4 | $21.1 | +14% |
| 2025 | $21.1 | $23.0 | +9.1% |
| 2026 YTD | $23.0 | $28.7 | +25% |
CIVB has finished lower in three of the last six years. It's up 25% so far in 2026.