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CIVB Civista Bancshares Inc
- Stocks
- Financial Services
- NASDAQ: CIVB
Price (delayed)
$23.21
Market cap
$360.2M
P/E Ratio
10.27
Dividend/share
$0.66
EPS
$2.26
Enterprise value
$741.37M
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 8% year-on-year and by 2.3% since the previous quarter
Civista Bancshares's revenue has increased by 2.8% QoQ and by 2.2% YoY
The net income has grown by 12% since the previous quarter but it has declined by 2.6% year-on-year
The company's EPS rose by 12% QoQ but it fell by 2.6% YoY
The P/E is 27% above the 5-year quarterly average of 8.1 and 17% above the last 4 quarters average of 8.8
Key stats
What are the main financial stats of CIVB
Market
Valuations
Earnings
Shares outstanding
15.52M
Market cap
$360.2M
Enterprise value
$741.37M
Price to earnings (P/E)
10.27
Price to book (P/B)
0.9
Price to sales (P/S)
2.34
EV/EBIT
17.94
EV/EBITDA
14.16
EV/Sales
4.84
Revenue
$153.28M
Gross profit
$153.28M
Operating income
$41.32M
Net income
$35.49M
EBIT
$41.32M
EBITDA
$52.35M
Free cash flow
$51.32M
Per share
Balance sheet
Liquidity
EPS
$2.26
EPS diluted
$2.26
Free cash flow per share
$3.32
Book value per share
$25.67
Revenue per share
$9.9
TBVPS
$259.29
Total assets
$4.15B
Total liabilities
$3.75B
Debt
$471.63M
Equity
$397.43M
Working capital
N/A
Debt to equity
1.19
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
7.28
Margins
Efficiency
Dividend
EBITDA margin
34.2%
Gross margin
100%
Net margin
23.2%
Operating margin
27%
Return on assets
0.9%
Return on equity
9.1%
Return on invested capital
0.9%
Return on capital employed
N/A
Return on sales
27%
Dividend yield
2.84%
DPS
$0.66
Payout ratio
29.2%
CIVB stock price
How has the Civista Bancshares stock price performed over time
Intraday
-2.31%
1 week
3.02%
1 month
19.09%
1 year
58.43%
YTD
10.31%
QTD
18.78%
Financial performance
How have Civista Bancshares's revenue and profit performed over time
Revenue
$153.28M
Gross profit
$153.28M
Operating income
$41.32M
Net income
$35.49M
Gross margin
100%
Net margin
23.2%
The company's operating income rose by 13% QoQ but it fell by 2.5% YoY
The net income has grown by 12% since the previous quarter but it has declined by 2.6% year-on-year
CIVB's operating margin is up by 10% since the previous quarter but it is down by 4.6% year-on-year
The net margin has grown by 9% from the previous quarter but it has contracted by 4.5% YoY
Price vs fundamentals
How does CIVB's price correlate with its fundamentals
Growth
What is Civista Bancshares's growth rate over time
Valuation
What is Civista Bancshares stock price valuation
P/E
10.27
P/B
0.9
P/S
2.34
EV/EBIT
17.94
EV/EBITDA
14.16
EV/Sales
4.84
The P/E is 27% above the 5-year quarterly average of 8.1 and 17% above the last 4 quarters average of 8.8
The company's EPS rose by 12% QoQ but it fell by 2.6% YoY
The price to book (P/B) is 29% more than the last 4 quarters average of 0.7
CIVB's equity is up by 8% year-on-year and by 2.3% since the previous quarter
The price to sales (P/S) is 23% higher than the last 4 quarters average of 1.9
Civista Bancshares's revenue has increased by 2.8% QoQ and by 2.2% YoY
Efficiency
How efficient is Civista Bancshares business performance
The ROIC is down by 18% YoY but it is up by 13% from the previous quarter
The return on assets rose by 13% since the previous quarter but it has declined by 10% year-on-year
Civista Bancshares's return on equity has decreased by 11% YoY but it has increased by 10% QoQ
The company's return on sales rose by 10% QoQ but it fell by 4.6% YoY
Dividends
What is CIVB's dividend history
DPS
$0.66
Dividend yield
2.84%
Payout ratio
29.2%
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 11% greater than the total liabilities
The total assets is up by 7% year-on-year
CIVB's total liabilities is up by 7% year-on-year
The debt is 19% more than the equity
The debt to equity is down by 9% YoY but it is up by 2.6% QoQ
CIVB's equity is up by 8% year-on-year and by 2.3% since the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.