CIVB Civista Bancshares Inc

Price (delayed)

$17.52

Market cap

$275.72M

P/E Ratio

8.23

Dividend/share

$0.64

EPS

$2.13

Enterprise value

$833.48M

Civista Bancshares, Inc. is a $2.8 billion financial holding company headquartered in Sandusky, Ohio. Civista's banking subsidiary, Civista Bank, operates 37 locations in Northern, Central and Southwestern Ohio, Southeastern Indiana ...

Highlights
CIVB's equity is up by 7% year-on-year
The debt has soared by 129% YoY and by 27% from the previous quarter
The net income has declined by 28% year-on-year and by 8% since the previous quarter

Key stats

What are the main financial stats of CIVB
Market
Shares outstanding
15.74M
Market cap
$275.72M
Enterprise value
$833.48M
Valuations
Price to book (P/B)
0.74
Price to sales (P/S)
1.87
EV/EBIT
21.5
EV/EBITDA
16.31
EV/Sales
5.67
Earnings
Revenue
$147.07M
EBIT
$38.76M
EBITDA
$51.1M
Free cash flow
$34.3M
Per share
EPS
$2.13
Free cash flow per share
$2.18
Book value per share
$23.77
Revenue per share
$9.35
TBVPS
$246.56
Balance sheet
Total assets
$4.01B
Total liabilities
$3.64B
Debt
$613.52M
Equity
$373.81M
Working capital
N/A
Liquidity
Debt to equity
1.64
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
10.91
Margins
EBITDA margin
34.7%
Gross margin
100%
Net margin
22.8%
Operating margin
26.4%
Efficiency
Return on assets
0.9%
Return on equity
9.2%
Return on invested capital
0.9%
Return on capital employed
N/A
Return on sales
26.4%
Dividend
Dividend yield
3.65%
DPS
$0.64
Payout ratio
30%

CIVB stock price

How has the Civista Bancshares stock price performed over time
Intraday
-0.23%
1 week
6.05%
1 month
7.42%
1 year
5.93%
YTD
-4.99%
QTD
13.11%

Financial performance

How have Civista Bancshares's revenue and profit performed over time
Revenue
$147.07M
Gross profit
$147.07M
Operating income
$38.76M
Net income
$33.47M
Gross margin
100%
Net margin
22.8%
The company's operating income fell by 30% YoY and by 9% QoQ
The net income has declined by 28% year-on-year and by 8% since the previous quarter
CIVB's operating margin is down by 23% year-on-year and by 7% since the previous quarter
The net margin has contracted by 21% YoY and by 6% from the previous quarter

Growth

What is Civista Bancshares's growth rate over time

Valuation

What is Civista Bancshares stock price valuation
P/E
8.23
P/B
0.74
P/S
1.87
EV/EBIT
21.5
EV/EBITDA
16.31
EV/Sales
5.67
The company's EPS fell by 28% YoY and by 8% QoQ
The P/E is 27% above the last 4 quarters average of 6.5
The price to book (P/B) is 18% less than the 5-year quarterly average of 0.9 but 6% more than the last 4 quarters average of 0.7
CIVB's equity is up by 7% year-on-year
The price to sales (P/S) is 22% lower than the 5-year quarterly average of 2.4 but 11% higher than the last 4 quarters average of 1.7
Civista Bancshares's revenue has decreased by 8% YoY

Efficiency

How efficient is Civista Bancshares business performance
The ROIC is down by 40% YoY and by 18% from the previous quarter
Civista Bancshares's return on equity has decreased by 33% YoY and by 10% QoQ
The return on assets has declined by 31% year-on-year and by 10% since the previous quarter
The company's return on sales fell by 23% YoY and by 7% QoQ

Dividends

What is CIVB's dividend history
DPS
$0.64
Dividend yield
3.65%
Payout ratio
30%
Recent dividends

Special dividends are included in TTM DPS and yield

Financial health

How did Civista Bancshares financials performed over time
The total assets is 10% greater than the total liabilities
The total assets is up by 11% year-on-year and by 3.4% since the previous quarter
CIVB's total liabilities is up by 11% year-on-year and by 3.6% since the previous quarter
The debt is 64% more than the equity
The debt has soared by 129% YoY and by 27% from the previous quarter
The debt to equity has soared by 113% YoY and by 25% QoQ

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified. Data from and Sharadar.