Civista Bancshares Inc (CIVB)

Civista Bancshares, Inc. is a financial holding company listed on NASDAQ under the ticker CIVB and the parent of Civista Bank. Through its banking operations in the United States, the company provides a range of deposit, lending, and cash management services for personal and business customers. Its offerings include checking, savings, money market, retirement, and time deposit accounts, along with services such as wire transfers, safe deposit boxes, automated teller access, internet banking, ACH origination, mobile and digital banking, telephone banking, and remote deposit capture. Civista also extends credit through a diversified loan portfolio that covers commercial, agricultural, commercial real estate, residential and farm real estate, construction, lease financing receivables, consumer loans, and home equity lines. In addition, it manages a securities portfolio, leases general equipment, and provides captive insurance products and investment advisory services. The company operates in parts of Ohio, Indiana, and Kentucky and is headquartered in Sandusky, Ohio.


Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NASDAQ-CIVB
$25.22
-7.6% Downside
Fair
$31.17
14.2% Upside
Fair
Good
2.6%
October 22, 2026
10.5x
1.0x
3.1x
567.5 M
29.8%
97.6%
-1.8
25.8%
103.9%
Valuation • Fair Value

Civista Bancshares Inc (NASDAQ-CIVB) Fair Value by Valuation Model

Review the available estimates for Civista Bancshares Inc (NASDAQ-CIVB), including Ben Graham Formula Value, Comps Fair Value.

Primary Valuation Read

Fair Value

$25.22

Estimated downside of 7.6% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

Ben Graham Formula Value

$28.90

Classic Ben Graham valuation formula reference.

Comps Fair Value

$25.22

Comparable-company valuation reference.

Analyst Price Target

$31.17

Analysts imply upside of 14.2%.

How to read these valuation models

Use the 5 available valuation references for Civista Bancshares Inc (NASDAQ-CIVB) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for Civista Bancshares Inc (NASDAQ-CIVB)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

183.4 M

Current operating scale indicator.

Revenue Forecast

193.2 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

How to read profitability and growth

This section helps investors review Civista Bancshares Inc (NASDAQ-CIVB) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Civista Bancshares Inc (NASDAQ-CIVB)

Review the financial quality and risk indicators currently supported by the latest data.

Financial Health

Good

Positive financial-health read.

Piotroski Score

6

Mid-range quality score.

Altman Z-Score

-1.8

Lower score that deserves closer risk review.

FCF / Net Income

103.9%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Civista Bancshares Inc (NASDAQ-CIVB). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Civista Bancshares Inc (NASDAQ-CIVB)

Track the upcoming dates and dividend metrics currently supported by the latest data.

Next Earnings Date

October 22, 2026

Days to Earnings

34

Dividend Yield

2.6%

Current income yield reference.

Payout Ratio

25.8%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for Civista Bancshares Inc (NASDAQ-CIVB), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Civista Bancshares Inc (NASDAQ-CIVB) Stock Forecast & Technical Outlook

Review Civista Bancshares Inc (NASDAQ-CIVB) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Buy

The 15-minute technical read for Civista Bancshares Inc (NASDAQ-CIVB) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Buy

The 1-hour technical read for Civista Bancshares Inc (NASDAQ-CIVB) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Sell

The daily technical read for Civista Bancshares Inc (NASDAQ-CIVB) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Neutral

The weekly technical read for Civista Bancshares Inc (NASDAQ-CIVB) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Civista Bancshares Inc (NASDAQ-CIVB) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Civista Bancshares Inc (NASDAQ-CIVB)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Hold

Based on the available recommendation mix, Civista Bancshares Inc (NASDAQ-CIVB) has a Hold consensus, with 2 buy, 3 hold and 0 sell recommendations in the current data set.

Buy 2
Hold 3
Sell 0
FAQ Fast Investor Answers

Civista Bancshares Inc (NASDAQ-CIVB) Stock FAQ

Data-supported answers about Civista Bancshares Inc (NASDAQ-CIVB), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
$25.22
Estimated downside 7.6%
Valuation Rating
Overvalued
Estimated downside of 7.6%
Analyst Target
$31.17
Implied upside 14.2%
Financial Health
Good
Current financial-health read

The current fair value estimate for Civista Bancshares Inc (NASDAQ-CIVB) is $25.22. This implies an estimated downside of 7.6% versus the current market price.

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 7.6% versus the current market price.

The available analyst price target for Civista Bancshares Inc (NASDAQ-CIVB) is $31.17. The analyst target implies estimated upside of 14.2%.

The current financial health read for Civista Bancshares Inc (NASDAQ-CIVB) is Good. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Civista Bancshares Inc (NASDAQ-CIVB) is October 22, 2026.

Based on the current data, dividend yield is 2.6%.

The current P/E ratio listed for Civista Bancshares Inc (NASDAQ-CIVB) is 10.5x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Civista Bancshares Inc is 567.5 M.

The ticker symbol for Civista Bancshares Inc is NASDAQ-CIVB, and the stock is listed on NASDAQ.

Civista Bancshares Inc (NASDAQ-CIVB) is listed on NASDAQ.

The current debt-to-total-capital ratio listed for Civista Bancshares Inc is 29.8%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Civista Bancshares Inc is 97.6%. Free float helps investors understand how much of the share base is available for public trading.