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Civista Bancshares

NAQ:CIVB · US1788671071
BanksSmall

360

85
Profit price81
Cash yield57
Price/Sales72
EV / Gross Profit48
Price/Book76
Returns on capital42
Profit margins—
Cash Conversion48
Accruals91
Owner Earnings Margin72
Sales growth60
Profit Growth31
Owner Earnings Growth50
Reinvestment24
Price momentum44
Debt load32
Debt serviceability59
Liquidity91
Analyst ratings44
Opinion Changes50
Price Target Upside33
Market mood1
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Civista Bancshares generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQCM
Founded1987
Websitecivb.com
ISINUS1788671071
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)Sound Pay Practices (USA)

Description

Civista Bancshares, Inc. (‘CBI’) operates as a financial holding company for CIVISTA BANK (‘Civista’). Civista, through its locations in the Ohio counties of Erie, Crawford, Champaign, Cuyahoga, Franklin, Huron, Logan, Lorain, Madison, Medina, Montg…

Analysis

Bargain bin

Civista Bancshares, Inc. is priced cheaply, and that invites the natural question of why, since the underlying business scores below average.

On valuation, the picture is attractive. The owner-earnings multiple stands at 8.9×; owner earnings: the cash an owner could take out each year.

Growth is solid; the safety picture is adequate. The company scores 20/20 on our value-creation score: strong value creator.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
44
2023202420252026

All-time high

100

May 2025

All-time low

44

Jun 2026

Average rank

80

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
72
91
95
80
Price/Earnings
76
91
93
74
Price/Book
76
91
84
81
Dividend Yield
57
65
63
37
Value (overall)
80
98
99
75

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →