Civista Bancshares, Inc. (CIVB) AI Stock Analysis

Civista Bancshares, Inc. serves as the financial holding company overseeing Civista Bank, a community banking provider established in 1884 and headquartered in Sandusky, Ohio. The company offers a broad range of financial products, collecting customer deposits and issuing commercial, agriculture, real estate, construction, and consumer loans, alongside letters of credit. Civista also purchases securities and offers trust and third-party insurance services. It conducts operations through approximately 42 branch locations situated across Northern, Central, Southwestern, and Northwestern Ohio, as well as Southeastern Indiana and Northern Kentucky.

Revenue expanded at a 5-year CAGR of 15.1% from FY2020 through FY2025. Annual revenue rose from $134.2M in FY2021 to $217.5M in FY2023, $241.9M in FY2024, and $255.0M in FY2025, representing 5.4% growth in the most recent fiscal year. Net margin stood at 18.1% in FY2025 with diluted earnings per share of $2.83, rebounding from $31.7M in net income and $2.02 per share in FY2024. Over the trailing twelve months ending June 30, 2026, revenue totaled $183.4M with an operating margin of 39.9% and diluted EPS of $2.69. For the quarter ended June 30, 2026, quarterly revenue grew 13.5% year-over-year, while quarterly earnings contracted 3.0%.

As of June 30, 2026, Civista Bancshares reported $765.1M in cash and short-term investments alongside $228.4M in total debt, yielding net cash of $536.7M. Total assets stood at $4.29B against shareholders' equity of $566.8M, resulting in a debt-to-equity ratio of 0.40 and a current ratio of 0.21. In FY2025, operating cash flow was $43.3M and free cash flow was $42.1M. Cash deployment during FY2025 included $1.2M in capital expenditures, $11.8M in dividend distributions, and $178,000 directed toward share buybacks.

At a share price of $26.85, Civista Bancshares has a market capitalization of $558.3M and an enterprise value of $730.7M. The stock trades at a trailing P/E of 10.0x and a forward P/E of 9.5x, compared to medians of 12.1x and 10.8x, respectively, for the median of its US-listed Financial Services peers. Its price-to-sales ratio of 3.0x is slightly below the peer median of 3.2x, while its price-to-book ratio is 1.0x. Over the past year, CIVB gained 39.0%, outpacing the S&P 500 (SPY) return of 16.8%, though its 5-year return of 25.2% trails the broader index return of 83.0%.

Civista Bancshares pays an annual forward dividend of $0.72 per share, translating to a dividend yield of 2.68% at the last close of $26.85. The dividend is distributed quarterly and supported by a payout ratio of 24.9%. The company has paid consecutive dividends for 16 years, delivering a 5-year annualized dividend growth rate of 9.1%. Its last ex-dividend date was August 14, 2026.

Wall Street coverage consists of 2 Strong Buy, 1 Buy, and 3 Hold ratings, with zero Sell or Strong Sell recommendations. The consensus mean price target is $30.92, which represents a 15.1% upside from the October 16, 2026 closing price of $26.85. For the fiscal year ending December 31, 2026, analysts estimate EPS of $2.84 on revenue of $193.3M. Civista Bancshares has beaten EPS consensus in each of the past 4 quarters, with its next earnings release scheduled for October 22, 2026.

This page is an AI-written research summary of Civista Bancshares, Inc. (CIVB). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: CIVB income statement, CIVB balance sheet, CIVB key metrics, CIVB analyst forecast, CIVB chart. See the CIVB stock overview for the latest quote and news.