CIVB Civista Bancshares Inc

  1. Stocks
  2. Financial Services
  3. NASDAQ: CIVB

Price (delayed)

$17.55

Market cap

$275.93M

P/E Ratio

6.75

Dividend/share

$0.56

EPS

$2.6

Enterprise value

$774.31M

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
The P/E is 41% below the 5-year quarterly average of 11.5 and 22% below the last 4 quarters average of 8.7
Civista Bancshares's revenue has increased by 9% QoQ and by 9% YoY
CIVB's equity is up by 11% since the previous quarter but it is down by 6% year-on-year
The net income has grown by 3% since the previous quarter but it has declined by 2.8% year-on-year
The debt has soared by 192% from the previous quarter and by 165% YoY
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.civb.com
Peers: HTBK BANF SRCE

Key stats

What are the main financial stats of CIVB
Market
Shares outstanding
15.72M
Market cap
$275.93M
Enterprise value
$774.31M
Valuations
Price to earnings (P/E)
6.75
Price to book (P/B)
0.82
Price to sales (P/S)
2.01
EV/EBIT
16.46
EV/EBITDA
14.67
EV/Sales
5.63
Earnings
Revenue
$137.53M
EBIT
$47.04M
EBITDA
$52.79M
Free cash flow
$18.86M
Per share
EPS
$2.6
Free cash flow per share
$1.2
Book value per share
$21.29
Revenue per share
$8.74
TBVPS
$216.27
Balance sheet
Total assets
$3.54B
Total liabilities
$3.2B
Debt
$541.74M
Equity
$334.84M
Working capital
N/A
Liquidity
Debt to equity
1.62
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
9.44
Margins
EBITDA margin
38.4%
Gross margin
100%
Net margin
28.7%
Operating margin
34.2%
Efficiency
Return on assets
1.2%
Return on equity
12.4%
Return on invested capital
1.4%
Return on capital employed
N/A
Return on sales
34.2%
Dividend
Dividend yield
3.19%
DPS
$0.56
Payout ratio
21.5%

CIVB stock price

How has the Civista Bancshares stock price performed over time
Intraday
2.33%
1 week
-2.17%
1 month
-17.45%
1 year
-28.16%
YTD
-20.26%
QTD
-20.26%

Financial performance

How have Civista Bancshares's revenue and profit performed over time
Revenue
$137.53M
Gross profit
$137.53M
Operating income
$47.04M
Net income
$39.43M
Gross margin
100%
Net margin
28.7%
The net margin has contracted by 11% YoY and by 6% from the previous quarter
CIVB's operating margin is down by 11% year-on-year and by 6% since the previous quarter
Civista Bancshares's revenue has increased by 9% QoQ and by 9% YoY
The company's gross profit rose by 9% QoQ and by 9% YoY

Growth

What is Civista Bancshares's growth rate over time

Valuation

What is Civista Bancshares stock price valuation
P/E
6.75
P/B
0.82
P/S
2.01
EV/EBIT
16.46
EV/EBITDA
14.67
EV/Sales
5.63
The P/E is 41% below the 5-year quarterly average of 11.5 and 22% below the last 4 quarters average of 8.7
The price to book (P/B) is 25% less than the last 4 quarters average of 1.1 and 18% less than the 5-year quarterly average of 1.0
CIVB's equity is up by 11% since the previous quarter but it is down by 6% year-on-year
The price to sales (P/S) is 31% lower than the 5-year quarterly average of 2.9 and 23% lower than the last 4 quarters average of 2.6
Civista Bancshares's revenue has increased by 9% QoQ and by 9% YoY

Efficiency

How efficient is Civista Bancshares business performance
The ROIC is down by 22% YoY and by 7% from the previous quarter
The return on assets has declined by 14% year-on-year
The company's return on sales fell by 11% YoY and by 6% QoQ
Civista Bancshares's return on equity has increased by 8% YoY and by 4.2% QoQ

Dividends

What is CIVB's dividend history
Dividend details
DPS
$0.56
Dividend yield
3.19%
Payout ratio
21.5%
Recent dividends

Financial health

How did Civista Bancshares financials performed over time
The total assets is 10% greater than the total liabilities
CIVB's total liabilities is up by 21% year-on-year and by 9% since the previous quarter
The total assets is up by 17% year-on-year and by 9% since the previous quarter
The debt is 62% more than the equity
The debt has soared by 192% from the previous quarter and by 165% YoY
The debt to equity has soared by 184% YoY and by 166% QoQ

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