Civista Bancshares, Inc. (CIVB) Key Metrics
CIVB valuation today
Trailing 12 months · as of October 17, 2026- Market cap
- $558.3M
- Enterprise value
- $730.7M
- P/E (TTM)
- 10.0 10-yr median 9.7
- Forward P/E
- 9.5
- PEG ratio
- 1.37
- Price / sales
- 3.0 10-yr median 2.4
- Price / book
- 1.0 10-yr median 0.9
- EV / EBITDA
- — 10-yr median 4.6
- Dividend yield
- 2.68% $0.72 a year
- Beta
- 0.65
CIVB key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsCIVB valuation Price multiples at each fiscal year-end price.
CIVB returns How much profit the business earns on the capital it uses.
CIVB per-share figures Results divided by the shares outstanding at year-end.
CIVB financial health Debt, liquidity and how easily interest is covered.
CIVB efficiency & capital use Working capital cycle and where the cash goes.
CIVB valuation history
CIVB returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
CIVB debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
CIVB cash returned to shareholders
CIVB price vs earnings per share
CIVB key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $389.0M | $324.1M | $279.5M | $329.5M | $374.4M | $281.9M | $404.4M | $241.4M | $271.8M | $212.8M |
| Enterprise value | $273.4M | $445.0M | $53.7M | $198.9M | −$236.5M | −$26.4M | $272.0M | $97.5M | $118.3M | $72.1M |
| P/E ratio | 8.4 | 10.2 | 6.5 | 8.4 | 9.2 | 8.8 | 11.9 | 17.1 | 17.1 | 12.4 |
| Price / sales | 1.5 | 1.3 | 1.3 | 2.2 | 2.8 | 2.2 | 3.4 | 2.7 | 3.7 | 3.1 |
| Price / book | 0.7 | 0.8 | 0.8 | 1.0 | 1.1 | 0.8 | 1.2 | 0.8 | 1.5 | 1.5 |
| Price / free cash flow | 9.2 | 7.4 | 4.7 | 17.6 | 9.6 | 9.3 | 11.1 | 13.3 | 13.7 | 13.9 |
| Price / operating cash flow | 9.0 | 6.7 | 4.5 | 13.1 | 9.2 | 8.8 | 10.2 | 12.3 | 13.1 | 12.0 |
| EV / sales | 1.1 | 1.8 | 0.2 | 1.3 | -1.8 | -0.2 | 2.3 | 1.1 | 1.6 | 1.0 |
| EV / EBITDA | 4.2 | 9.3 | 0.9 | 3.8 | — | — | 6.4 | 5.2 | 4.9 | 2.8 |
| EV / free cash flow | 6.5 | 10.1 | 0.9 | 10.6 | — | — | 7.5 | 5.4 | 6.0 | 4.7 |
| Earnings yield | 11.9% | 9.8% | 15.4% | 12.0% | 10.8% | 11.4% | 8.4% | 5.9% | 5.8% | 8.1% |
| Free cash flow yield | 10.8% | 13.6% | 21.2% | 5.7% | 10.4% | 10.7% | 9.0% | 7.5% | 7.3% | 7.2% |
| Dividend yield | 3.0% | 3.1% | 3.4% | 2.6% | 2.1% | 2.5% | 1.8% | 2.0% | 1.4% | 1.5% |
| Shareholder yield (dividends + buybacks) | 3.1% | 3.2% | 4.0% | 7.7% | 8.1% | 7.3% | 2.8% | 2.0% | 1.4% | 1.5% |
| Share price at fiscal year-end | $22.22 | $21.04 | $18.44 | $22.01 | $24.40 | $17.53 | $24.00 | $17.42 | $22.00 | $19.43 |
| Per share | ||||||||||
| Revenue per share | $14.56 | $15.70 | $14.35 | $10.22 | $8.75 | $7.85 | $7.04 | $6.55 | $6.00 | $6.31 |
| Earnings per share | $2.64 | $2.06 | $2.83 | $2.63 | $2.64 | $2.00 | $2.01 | $1.02 | $1.28 | $1.57 |
| Operating cash flow per share | $2.47 | $3.13 | $4.14 | $1.68 | $2.66 | $2.00 | $2.35 | $1.42 | $1.69 | $1.62 |
| Free cash flow per share | $2.41 | $2.86 | $3.91 | $1.25 | $2.53 | $1.88 | $2.16 | $1.31 | $1.60 | $1.39 |
| Cash per share | $22.84 | $21.42 | $44.86 | $44.10 | $53.12 | $30.58 | $24.15 | $28.08 | $21.99 | $21.24 |
| Book value per share | $31.04 | $25.22 | $24.55 | $22.37 | $23.15 | $21.77 | $19.59 | $21.57 | $14.93 | $12.57 |
| Tangible book value per share | $22.84 | $16.56 | $15.64 | $13.25 | $17.65 | $16.49 | $14.54 | $14.68 | $12.53 | $9.77 |
| Dividends per share | $0.68 | $0.65 | $0.63 | $0.57 | $0.52 | $0.44 | $0.43 | $0.34 | $0.30 | $0.30 |
| Capex per share | $0.07 | $0.27 | $0.23 | $0.43 | $0.13 | $0.12 | $0.19 | $0.11 | $0.08 | $0.22 |
| Debt per share | $16.23 | $29.27 | $29.97 | $35.38 | $13.31 | $11.40 | $16.29 | $17.70 | $9.56 | $8.39 |
| Shares outstanding | 17.5M | 15.4M | 15.2M | 15.0M | 15.3M | 16.1M | 16.9M | 13.9M | 12.4M | 11.0M |
| Change in shares outstanding | +13.7% | +1.6% | +1.2% | −2.4% | −4.6% | −4.6% | +21.6% | +12.2% | +12.8% | +0.3% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 9.9% | 8.3% | 12.2% | 11.4% | 11.5% | 9.5% | 10.8% | 5.9% | 9.9% | 13.1% |
| Return on invested capital (ROIC) | 9.9% | 9.7% | 24.5% | — | — | 26.9% | 19.2% | 15.2% | 113.9% | — |
| Return on assets (ROA) | 1.1% | 0.8% | 1.2% | 1.2% | 1.4% | 1.3% | 1.5% | 0.8% | 1.1% | 1.3% |
| Return on tangible assets | 1.1% | 0.8% | 1.2% | 1.2% | 1.4% | 1.2% | 1.5% | 0.7% | 1.1% | 1.3% |
| Free cash flow margin | 16.5% | 18.2% | 27.3% | 12.2% | 28.9% | 24.0% | 30.6% | 20.0% | 26.7% | 22.1% |
| Income quality (OCF / net income) | 0.94 | 1.52 | 1.46 | 0.64 | 1.01 | 1.00 | 1.17 | 1.39 | 1.31 | 1.03 |
| Financial health | ||||||||||
| Total debt | $284.2M | $450.9M | $454.2M | $529.6M | $204.2M | $183.3M | $274.6M | $245.2M | $118.1M | $91.9M |
| Cash & short-term investments | $399.8M | $329.9M | $679.9M | $660.2M | $815.1M | $491.7M | $407.0M | $389.1M | $271.6M | $232.6M |
| Net debt | −$115.7M | $120.9M | −$225.7M | −$130.6M | −$610.8M | −$308.3M | −$132.4M | −$143.8M | −$153.5M | −$140.7M |
| Debt / equity | 0.52 | 1.16 | 1.22 | 1.58 | 0.57 | 0.52 | 0.83 | 0.82 | 0.64 | 0.67 |
| Debt / assets | 0.07 | 0.11 | 0.12 | 0.15 | 0.07 | 0.07 | 0.12 | 0.11 | 0.08 | 0.07 |
| Net debt / EBITDA | −1.78 | 2.54 | −3.59 | −2.47 | −11.92 | −7.65 | −3.10 | −7.71 | −6.38 | −5.46 |
| Current ratio | 0.11 | 0.11 | 0.22 | 1.80 | 0.33 | 0.22 | 0.23 | 0.99 | 1.00 | 1.01 |
| Quick ratio | 0.11 | 0.11 | 0.23 | 1.91 | 0.44 | 0.29 | 0.26 | 0.99 | 1.00 | 1.01 |
| Interest coverage | 0.7 | 0.4 | 0.9 | 2.9 | 5.0 | 3.7 | 3.1 | 2.2 | 5.4 | 7.2 |
| Working capital | −$3.23B | −$3.16B | −$2.58B | $314.5M | −$1.65B | −$1.74B | −$1.40B | −$21.0M | $3.2M | $5.8M |
| Invested capital | $427.8M | $509.4M | $146.3M | $204.2M | −$255.6M | $41.8M | $197.7M | $155.1M | $31.0M | −$3.1M |
| Tangible asset value | $399.9M | $255.1M | $237.0M | $198.4M | $270.8M | $265.2M | $245.0M | $203.3M | $154.8M | $107.0M |
| Net current asset value | −$3.38B | −$3.32B | −$2.74B | −$2.49B | −$1.84B | −$1.92B | −$1.57B | −$177.7M | −$106.8M | −$119.1M |
| Graham number | $42.94 | $34.16 | $39.57 | $36.41 | $37.10 | $31.32 | $29.77 | $22.26 | $20.78 | $21.08 |
| Graham net-net per share | −$193.19 | −$216.55 | −$182.28 | −$169.50 | −$128.64 | −$124.03 | −$94.64 | −$104.36 | −$86.33 | −$91.70 |
| Capital allocation | ||||||||||
| Dividends paid | $11.8M | $10.1M | $9.6M | $8.5M | $8.0M | $7.1M | $7.2M | $4.7M | $3.7M | $3.3M |
| Share buybacks (net) | $178,000 | $164,000 | $1.6M | $16.9M | $22.3M | $13.5M | $4.3M | $0 | $4,000 | $1,000 |
| Dividend payout ratio | 25.6% | 31.8% | 22.3% | 21.5% | 19.8% | 22.1% | 21.2% | 33.6% | 23.2% | 18.9% |
| Dividends + buybacks / free cash flow | 28.5% | 23.2% | 18.9% | 135.9% | 78.1% | 68.0% | 31.7% | 26.2% | 18.6% | 21.3% |
| Capex / revenue | 0.5% | 1.7% | 1.6% | 4.3% | 1.4% | 1.6% | 2.7% | 1.6% | 1.4% | 3.5% |
| Capex / operating cash flow | 2.7% | 8.7% | 5.5% | 25.8% | 4.7% | 6.1% | 8.1% | 7.5% | 4.9% | 13.8% |
| Capex / depreciation | 0.12 | 0.38 | 0.28 | 1.13 | 0.67 | 0.62 | 1.01 | 0.78 | 0.55 | 1.25 |
| Stock-based compensation / revenue | 0.3% | 0.4% | 0.5% | 0.5% | 0.5% | 0.5% | 0.4% | 0.5% | 0.6% | 0.5% |
| SG&A / revenue | 28.5% | 27.5% | 28.2% | 34.9% | 34.9% | 35.1% | 37.1% | 52.1% | 44.8% | 41.1% |
| Efficiency | ||||||||||
| Days sales outstanding | 52.6 | 95.2 | 87.2 | 52.7 | 22.9 | 23.9 | 21.3 | 22.5 | 20.6 | 20.5 |
| Days of inventory on hand | — | — | -152.7 | -3,280.2 | -7,369.2 | -1,843.9 | -1,451.4 | — | 2.4 | 13.9 |
| Days payables outstanding | — | — | — | 25,168.3 | 80,372.2 | 19,966.5 | 534.9 | 619.1 | 1,118.7 | 2,168.6 |
| Cash conversion cycle (days) | — | — | — | -28,395.9 | -87,718.6 | -21,786.6 | -1,965.1 | -596.6 | -1,095.8 | -2,134.2 |
| Receivables turnover | 6.94 | 3.83 | 4.18 | 6.93 | 15.97 | 15.28 | 17.17 | 16.19 | 17.76 | 17.82 |
| Payables turnover | — | — | — | 0.01 | 0.00 | 0.02 | 0.68 | 0.59 | 0.33 | 0.17 |
| Inventory turnover | — | — | — | — | — | — | — | — | 154.42 | 26.25 |
| Asset turnover | 0.06 | 0.06 | 0.06 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 |
| Average receivables | $36.7M | $63.1M | $52.0M | $22.1M | $8.4M | $8.3M | $6.9M | $5.6M | $4.2M | $3.9M |
| Average payables | — | — | — | $1.22B | $2.30B | $1.11B | $20.5M | $14.2M | $12.5M | $11.9M |
| Average inventory | — | — | −$25.8M | −$159.1M | −$211.2M | −$102.3M | −$55.6M | — | $26,500 | $76,500 |
| Intangibles / total assets | 3.3% | 3.3% | 3.5% | 3.9% | 2.8% | 3.1% | 3.7% | 4.5% | 1.9% | 2.2% |
Computed from CIVB's annual financial statements (latest annual report filed March 6, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
CIVB valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Civista Bancshares traded at 8.4 times earnings, against a 10-year median of 9.7. Based on the latest twelve months, the trailing P/E is 10.0 and the forward P/E is 9.5. Civista Bancshares earned a return on equity of 9.9% and a return on invested capital of 9.9% in fiscal 2025. It ended the year with $284.2 million of debt and $399.8 million in cash and short-term investments, a net cash position of $115.7 million. It returned $12.0 million to shareholders: $11.8 million in dividends and $0.2 million in share buybacks, 29% of free cash flow. The share count rose 59.9% from 11.0M to 17.5M over 9 years.
See the CIVB income statement, the CIVB chart for price history, or the CIVB stock overview for the latest quote and news.
CIVB key metrics FAQ
What is Civista Bancshares's P/E ratio?
Civista Bancshares's trailing P/E ratio is 10.0 based on the last twelve months of earnings (as of October 17, 2026), and its forward P/E is 9.5. At the end of fiscal 2025 it was 8.4, compared with a 10-year median of 9.7.
What is Civista Bancshares's EV/EBITDA?
Civista Bancshares's enterprise value was 4.2 times EBITDA at the end of fiscal 2025 (enterprise value $273.4 million, EBITDA $65.1 million).
What is Civista Bancshares's return on equity?
Civista Bancshares's return on equity (ROE) was 9.9% in fiscal 2025: net income of $46.2 million on average shareholders' equity of $466.0 million.
What is Civista Bancshares's ROIC?
Civista Bancshares's return on invested capital was 9.9% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Civista Bancshares have?
Civista Bancshares had total debt of $284.2 million at the end of fiscal 2025, a debt-to-equity ratio of 0.52 and more cash than debt.
What is Civista Bancshares's dividend yield?
Civista Bancshares's forward dividend yield is 2.68%. Civista Bancshares paid $11.8 million in dividends in fiscal 2025 ($0.68 per share), a payout ratio of 25.6%.
Does Civista Bancshares buy back its shares?
Yes. Civista Bancshares spent $0.2 million on net share repurchases in fiscal 2025 Shares outstanding changed +13.7% over the year, to 17.5M..
What is Civista Bancshares's free cash flow yield?
Civista Bancshares generated $42.1 million of free cash flow in fiscal 2025, a free cash flow yield of 10.8% on its market value at year-end ($389.0 million).
What is Civista Bancshares's current ratio?
Civista Bancshares's current ratio was 0.11 at the end of fiscal 2025: current assets were 0.11 times current liabilities.