Civista Bancshares Inc (CIVB) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Civista Bancshares Inc stock (CIVB) is currently trading at $22.51. Civista Bancshares Inc PE ratio is 8.28. Civista Bancshares Inc PS ratio (Price-to-Sales) is 2.68. Analyst consensus price target for CIVB is $27.17. WallStSmart rates CIVB as Moderate Buy.
- CIVB PE ratio analysis and historical PE chart
- CIVB PS ratio (Price-to-Sales) history and trend
- CIVB intrinsic value — DCF, Graham Number, EPV models
- CIVB stock price prediction 2025 2026 2027 2028 2029 2030
- CIVB fair value vs current price
- CIVB insider transactions and insider buying
- Is CIVB undervalued or overvalued?
- Civista Bancshares Inc financial analysis — revenue, earnings, cash flow
- CIVB Piotroski F-Score and Altman Z-Score
- CIVB analyst price target and Smart Rating
Civista Bancshares Inc
📊 No data available
Try selecting a different time range
CIVB Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Civista Bancshares Inc (CIVB)
CIVB trades 32% above its Graham fair value of $17.95, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Civista Bancshares Inc (CIVB) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Concerns around return on equity and eps growth. Overall metrics suggest strong investment potential with favorable risk/reward.
Civista Bancshares Inc (CIVB) Key Strengths (5)
Keeps $35 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Keeps $27 of every $100 in revenue as net profit
Good growth relative to its price
62.62% held by institutions, strong professional interest
Supporting Valuation Data
Civista Bancshares Inc (CIVB) Areas to Watch (5)
Earnings declining -1.40%, profits shrinking
Low profitability relative to shareholder equity
Small-cap company with higher risk but more growth potential
Revenue is fairly priced at 2.68x sales
Solid revenue growth at 15.30% per year
Civista Bancshares Inc (CIVB) Detailed Analysis Report
Overall Assessment
This company scores 67/100 in our Smart Analysis, earning a B- grade. Out of 10 metrics analyzed, 5 register as strengths (avg 9.2/10) while 5 fall into concern territory (avg 4.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, Profit Margin. Valuation metrics including PEG Ratio (1.37), Price/Book (0.83) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 34.60%, Profit Margin at 27.30%.
The Bear Case
The primary concerns are EPS Growth, Return on Equity, Market Cap. Some valuation metrics including Price/Sales (2.68) suggest expensive pricing. Growth concerns include Revenue Growth at 15.30%, EPS Growth at -1.40%, which may limit upside. Profitability pressure is visible in Return on Equity at 9.92%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 9.92% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 15.30% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. Strengths and concerns are roughly balanced. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Price/Book) and negatives (EPS Growth, Return on Equity). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
CIVB Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
CIVB's Price-to-Sales ratio of 2.68x trades 29% below its historical average of 3.75x (37th percentile). The current valuation is 66% below its historical high of 7.82x set in Mar 2007, and 141% above its historical low of 1.11x in Sep 2011. Over the past 12 months, the PS ratio has compressed from ~3.0x as trailing revenue scaled faster than the stock price.
WallStSmart Analysis Synopsis
Data-driven financial summary for Civista Bancshares Inc (CIVB) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Civista Bancshares Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 169M with 15% growth year-over-year. Profit margins are strong at 27.3%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 27.3% and operating margin of 34.6% demonstrate strong pricing power and operational efficiency.
Generating 11M in free cash flow and 12M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Dividend sustainability with a current yield of 3.1%. Watch payout ratio and free cash flow coverage.
Debt management: total debt of 284M is significantly higher than cash (77M). Monitor refinancing risk.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Civista Bancshares Inc.
Bottom Line
Civista Bancshares Inc offers an attractive blend of growth (15% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(29 last 3 months)
Data sourced from SEC Form 4 filings
Last updated: 12:56:15 PM
About Civista Bancshares Inc(CIVB)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Civista Bancshares, Inc. is Civista Bank's financial holding company providing community banking services. The company is headquartered in Sandusky, Ohio.