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Civista Bancshares, Inc. CIVB

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Price alert · CIVB

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28.47 USD -0.33 (-1.15%)

At closeNov 4, 2026, 4:03 AM EST

28.79 +0.32 +1.13%

Pre-market · Nov 4, 4:03 AM ET

28.37 Day range 28.86
21.10 52-week range 29.97
YTD
+28.13%
1 year
+33.29%

Financial health

Altman Z-Score

-0.53 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 4
  • Return on Equity 3
  • Return on Assets 4
  • Debt / Equity 3
  • P/E 3
  • P/B 3

Valuation

P/E 8.4×
FY 2016: 9.9×FY 2017: 14.9×FY 2018: 17.1×FY 2019: 11.1×FY 2020: 8.8×FY 2021: 9.3×FY 2022: 8.5×FY 2023: 6.8×FY 2024: 10.5×FY 2025: 8.4×
FY 2016 5y median 8.5× FY 2025
P/S 1.5×
FY 2016: 2.3×FY 2017: 2.9×FY 2018: 2.7×FY 2019: 3.2×FY 2020: 2.2×FY 2021: 2.8×FY 2022: 2.2×FY 2023: 1.3×FY 2024: 1.3×FY 2025: 1.5×
FY 2016 5y median 1.5× FY 2025
P/B 0.7×
FY 2016: 1.1×FY 2017: 1.2×FY 2018: 0.8×FY 2019: 1.1×FY 2020: 0.8×FY 2021: 1.1×FY 2022: 1.0×FY 2023: 0.8×FY 2024: 0.8×FY 2025: 0.7×
FY 2016 5y median 0.8× FY 2025
P/FCF 9.2×
FY 2016: 10.2×FY 2017: 11.0×FY 2018: 13.3×FY 2019: 10.6×FY 2020: 9.2×FY 2021: 9.6×FY 2022: 17.6×FY 2023: 4.7×FY 2024: 7.4×FY 2025: 9.2×
FY 2016 5y median 9.2× FY 2025
EV/EBITDA 9.1×
FY 2016: 8.8×FY 2017: 12.5×FY 2018: 23.8×FY 2019: 14.1×FY 2020: 8.4×FY 2021: 6.3×FY 2022: 17.6×FY 2023: 10.7×FY 2024: 14.9×FY 2025: 9.1×
FY 2016 5y median 10.7× FY 2025
EV/Sales 2.3×
FY 2016: 3.3×FY 2017: 4.1×FY 2018: 4.9×FY 2019: 5.1×FY 2020: 2.7×FY 2021: 2.4×FY 2022: 6.1×FY 2023: 3.1×FY 2024: 2.9×FY 2025: 2.3×
FY 2016 5y median 2.9× FY 2025
FCF Yield 10.8%
FY 2016: 9.8%FY 2017: 9.1%FY 2018: 7.5%FY 2019: 9.5%FY 2020: 10.9%FY 2021: 10.4%FY 2022: 5.7%FY 2023: 21.2%FY 2024: 13.6%FY 2025: 10.8%
FY 2016 5y median 10.8% FY 2025

Profitability

Gross Margin 66.4%
FY 2016: 97.1%FY 2017: 94.5%FY 2018: 90.8%FY 2019: 88.2%FY 2020: 84.0%FY 2021: 92.2%FY 2022: 88.4%FY 2023: 71.6%FY 2024: 60.6%FY 2025: 66.4%
FY 2016 5y median 71.6% FY 2025
Operating Margin 21.7%
FY 2016: 34.5%FY 2017: 30.0%FY 2018: 18.5%FY 2019: 33.4%FY 2020: 29.4%FY 2021: 36.1%FY 2022: 30.7%FY 2023: 23.3%FY 2024: 15.1%FY 2025: 21.7%
FY 2016 5y median 23.3% FY 2025
Net Margin 18.1%
FY 2016: 24.9%FY 2017: 21.4%FY 2018: 15.6%FY 2019: 28.6%FY 2020: 25.5%FY 2021: 30.2%FY 2022: 25.8%FY 2023: 19.8%FY 2024: 13.1%FY 2025: 18.1%
FY 2016 5y median 19.8% FY 2025
ROE 8.5%
FY 2016: 12.5%FY 2017: 8.6%FY 2018: 4.7%FY 2019: 10.3%FY 2020: 9.2%FY 2021: 11.4%FY 2022: 11.8%FY 2023: 11.5%FY 2024: 8.2%FY 2025: 8.5%
FY 2016 5y median 11.4% FY 2025
ROIC 5.3%
FY 2016: 7.0%FY 2017: 5.2%FY 2018: 2.6%FY 2019: 5.5%FY 2020: 5.8%FY 2021: 7.1%FY 2022: 4.0%FY 2023: 4.9%FY 2024: 3.6%FY 2025: 5.3%
FY 2016 5y median 4.9% FY 2025
ROA 1.1%
FY 2016: 1.3%FY 2017: 1.0%FY 2018: 0.7%FY 2019: 1.5%FY 2020: 1.2%FY 2021: 1.3%FY 2022: 1.1%FY 2023: 1.1%FY 2024: 0.8%FY 2025: 1.1%
FY 2016 5y median 1.1% FY 2025

Growth (YoY)

Revenue 5.4%
FY 2016: 7.4%FY 2017: 7.2%FY 2018: 22.5%FY 2019: 30.7%FY 2020: 6.4%FY 2021: 6.4%FY 2022: 14.0%FY 2023: 42.2%FY 2024: 11.2%FY 2025: 5.4%
FY 2016 FY 2025
Operating Income 51.0%
FY 2016: 36.0%FY 2017: -6.7%FY 2018: -24.5%FY 2019: 135.8%FY 2020: -6.1%FY 2021: 30.3%FY 2022: -2.8%FY 2023: 7.6%FY 2024: -27.7%FY 2025: 51.0%
FY 2016 FY 2025
EPS (diluted) 31.3%
FY 2016: 34.2%FY 2017: -18.5%FY 2018: -20.3%FY 2019: 97.1%FY 2020: -0.5%FY 2021: 31.5%FY 2022: -1.1%FY 2023: 5.0%FY 2024: -26.4%FY 2025: 31.3%
FY 2016 FY 2025
Free Cash Flow -4.4%
FY 2016: 16.8%FY 2017: 29.7%FY 2018: -8.3%FY 2019: 96.1%FY 2020: -13.8%FY 2021: 26.6%FY 2022: -51.9%FY 2023: 217.4%FY 2024: -25.7%FY 2025: -4.4%
FY 2016 FY 2025

Financial Health

Current Ratio 0.1×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.1×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.3×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.5×
FY 2016: 0.8×FY 2017: 0.7×FY 2018: 0.8×FY 2019: 0.8×FY 2020: 0.5×FY 2021: 0.6×FY 2022: 1.9×FY 2023: 1.2×FY 2024: 1.2×FY 2025: 0.5×
FY 2016 5y median 1.2× FY 2025
Net Debt / EBITDA 3.2×
FY 2016: 2.7×FY 2017: 3.4×FY 2018: 10.8×FY 2019: 5.3×FY 2020: 1.4×FY 2021: -1.0×FY 2022: 11.3×FY 2023: 6.2×FY 2024: 8.1×FY 2025: 3.2×
FY 2016 5y median 6.2× FY 2025
Interest Coverage 0.7×
FY 2016: 7.2×FY 2017: 5.4×FY 2018: 2.2×FY 2019: 3.1×FY 2020: 3.7×FY 2021: 5.0×FY 2022: 2.9×FY 2023: 0.9×FY 2024: 0.4×FY 2025: 0.7×
FY 2016 5y median 0.9× FY 2025

Dividends

Dividend Yield 3.0%
FY 2016: 2.1%FY 2017: 1.7%FY 2018: 2.0%FY 2019: 1.9%FY 2020: 2.5%FY 2021: 2.1%FY 2022: 2.6%FY 2023: 3.4%FY 2024: 3.1%FY 2025: 3.0%
FY 2016 5y median 3.0% FY 2025
Payout Ratio 25.6%
FY 2016: 18.9%FY 2017: 23.2%FY 2018: 33.6%FY 2019: 21.2%FY 2020: 22.1%FY 2021: 19.8%FY 2022: 21.5%FY 2023: 22.3%FY 2024: 31.8%FY 2025: 25.6%
FY 2016 5y median 22.3% FY 2025

Annual · latest fiscal year ends 2025-12-31