CIVBNasdaqState Commercial BanksFiscal year ends December 31
CIVISTA BANCSHARES, INC.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 6, 2026
$26.69−0.16 (-0.60%)
Close on Oct 19, 2026
- Market cap
- $552.67M
- P/E (TTM)
- 9.9
- Dividend yield
- –
Civista Bancshares statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of State Commercial Banks companies for comparison
Valuation
| Measure | Civista Bancshares | Industry median |
|---|---|---|
| Market Cap | $555.00M | $679.86M |
| Enterprise Value | $493.26M | $408.94M |
| PE Ratio | 9.89 | 11.99 |
| PS Ratio | 28.28 | 3.59 |
| PB Ratio | 0.98 | 1.18 |
| P/TBV Ratio | 1.31 | 1.41 |
| P/OCF Ratio | 9.59 | 10.01 |
Enterprise value
| Measure | Civista Bancshares | Industry median |
|---|---|---|
| EV / Sales | 25.14 | 2.76 |
Income (trailing twelve months)
| Measure | Civista Bancshares | Industry median |
|---|---|---|
| Revenue | $19.62M | $170.85M |
| Pretax Income | $65.59M | $70.12M |
| Net Income | $54.33M | $54.33M |
| EPS (Diluted) | $2.70 | $2.91 |
Margins
| Measure | Civista Bancshares | Industry median |
|---|---|---|
| Pretax Margin | 334.2% | 36.5% |
| Profit Margin | 276.9% | 29.1% |
Returns
| Measure | Civista Bancshares | Industry median |
|---|---|---|
| Return on Equity (ROE) | 11.2% | 10.6% |
| Return on Assets (ROA) | 1.28% | 1.12% |
Growth
| Measure | Civista Bancshares | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 11.7% | 11.8% |
| Net Income Growth (YoY) | 37.8% | 23.2% |
| EPS Growth (YoY) | 6.30% | 23.1% |
| Revenue Growth (3Y CAGR) | -8.13% | 5.82% |
| Revenue Growth (5Y CAGR) | 2.34% | 6.17% |
| EPS Growth (3Y CAGR) | 0.51% | 1.31% |
| EPS Growth (5Y CAGR) | 5.71% | 8.24% |
Balance sheet
| Measure | Civista Bancshares | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $61.74M | $205.54M |
| Net Cash (Debt) | $61.74M | $164.40M |
| Net Cash Per Share | $2.97 | $8.13 |
| Equity (Book Value) | $566.79M | $563.88M |
| Book Value Per Share | $27.26 | $28.47 |
| Tangible Book Value | $424.77M | $475.36M |
Cash flow (trailing twelve months)
| Measure | Civista Bancshares | Industry median |
|---|---|---|
| Operating Cash Flow | $57.87M | $61.52M |
Efficiency
| Measure | Civista Bancshares | Industry median |
|---|---|---|
| Asset Turnover | 0.00 | 0.04 |
| Revenue Per Employee | $37.31K | $353.78K |
| Profits Per Employee | $103.30K | $107.28K |
| Employee Count | 526 | 489 |
Dividends and yields
| Measure | Civista Bancshares | Industry median |
|---|---|---|
| Earnings Yield | 9.79% | 8.13% |
| Buyback Yield | 0.06% | 1.55% |
| Shareholder Yield | 0.06% | 3.13% |
| Payout Ratio | 25.8% | 29.3% |
Shares
| Measure | Civista Bancshares | Industry median |
|---|---|---|
| Shares Outstanding | 20,794,200 | 18,839,100 |
| Shares Change (YoY) | 30.1% | 0.40% |
| Float | 20,529,000 | 17,061,900 |
| Shares Held by Insiders | 1.28% | 5.89% |
| Shares Held by Institutions | 65.6% | 61.9% |
Taxes
| Measure | Civista Bancshares | Industry median |
|---|---|---|
| Income Tax | $11.25M | $14.50M |
| Effective Tax Rate | 17.2% | 21.1% |
Scores
| Measure | Civista Bancshares | Industry median |
|---|---|---|
| Graham Number | $40.69 | $45.31 |
| Graham Upside | 52.5% | 21.9% |
| Altman Z-Score | 0.18 | 0.21 |
| Piotroski F-Score | 4 | 6 |
Calculated by StockData from Civista Bancshares's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.