CIVB Civista Bancshares Inc

Price (delayed)

$19.62

Market cap

$303.71M

P/E Ratio

9.76

Dividend/share

$0.65

EPS

$2.01

Enterprise value

$691.44M

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 4.4% year-on-year
The company's EPS fell by 26% YoY
The net income has declined by 26% year-on-year

Key stats

What are the main financial stats of CIVB
Market
Shares outstanding
15.48M
Market cap
$303.71M
Enterprise value
$691.44M
Valuations
Price to earnings (P/E)
9.76
Price to book (P/B)
0.79
Price to sales (P/S)
2.07
EV/EBIT
18.91
EV/EBITDA
14.53
EV/Sales
4.64
Earnings
Revenue
$149.09M
Gross profit
$149.09M
Operating income
$36.57M
Net income
$31.68M
EBIT
$36.57M
EBITDA
$47.6M
Free cash flow
$48.3M
Per share
EPS
$2.01
EPS diluted
$2.01
Free cash flow per share
$3.07
Book value per share
$24.69
Revenue per share
$9.47
TBVPS
$251.97
Balance sheet
Total assets
$4.1B
Total liabilities
$3.71B
Debt
$450.88M
Equity
$388.5M
Working capital
N/A
Liquidity
Debt to equity
1.16
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
8.15
Margins
EBITDA margin
31.9%
Gross margin
100%
Net margin
21.3%
Operating margin
24.5%
Efficiency
Return on assets
0.8%
Return on equity
8.3%
Return on invested capital
0.8%
Return on capital employed
N/A
Return on sales
24.5%
Dividend
Dividend yield
3.31%
DPS
$0.65
Payout ratio
32.3%

CIVB stock price

How has the Civista Bancshares stock price performed over time
Intraday
0.41%
1 week
1.13%
1 month
-4.8%
1 year
31.85%
YTD
-6.75%
QTD
0.41%

Financial performance

How have Civista Bancshares's revenue and profit performed over time
Revenue
$149.09M
Gross profit
$149.09M
Operating income
$36.57M
Net income
$31.68M
Gross margin
100%
Net margin
21.3%
The company's operating income fell by 28% YoY
The net income has declined by 26% year-on-year
CIVB's operating margin is down by 23% year-on-year
The net margin has contracted by 22% YoY

Growth

What is Civista Bancshares's growth rate over time

Valuation

What is Civista Bancshares stock price valuation
P/E
9.76
P/B
0.79
P/S
2.07
EV/EBIT
18.91
EV/EBITDA
14.53
EV/Sales
4.64
The company's EPS fell by 26% YoY
The P/E is 20% above the 5-year quarterly average of 8.1 and 17% above the last 4 quarters average of 8.3
The price to book (P/B) is 13% more than the last 4 quarters average of 0.7 but 12% less than the 5-year quarterly average of 0.9
CIVB's equity is up by 4.4% year-on-year
The price to sales (P/S) is 14% higher than the last 4 quarters average of 1.8 but 10% lower than the 5-year quarterly average of 2.3
Civista Bancshares's revenue has decreased by 6% YoY

Efficiency

How efficient is Civista Bancshares business performance
The ROIC is down by 38% YoY and by 11% from the previous quarter
Civista Bancshares's return on equity has decreased by 33% YoY
The return on assets has declined by 33% year-on-year
The company's return on sales fell by 23% YoY

Dividends

What is CIVB's dividend history
DPS
$0.65
Dividend yield
3.31%
Payout ratio
32.3%
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 6% year-on-year
CIVB's total liabilities is up by 6% year-on-year
The debt is 16% more than the equity
The debt to equity is up by 15% QoQ but it is down by 4.9% YoY
The debt has grown by 13% from the previous quarter

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