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Price (delayed)
$21.33
Market cap
$335.66M
P/E Ratio
10.67
Dividend/share
$0.64
EPS
$2
Enterprise value
$660.03M
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 debt has contracted by 35% from the previous quarter and by 27% YoY
CIVB's equity is up by 19% year-on-year and by 6% since the previous quarter
The P/E is 44% above the last 4 quarters average of 7.4 and 32% above the 5-year quarterly average of 8.1
The company's EPS fell by 31% YoY and by 6% QoQ
Key stats
What are the main financial stats of CIVB
Market
Valuations
Earnings
Shares outstanding
15.74M
Market cap
$335.66M
Enterprise value
$660.03M
Price to earnings (P/E)
10.67
Price to book (P/B)
0.85
Price to sales (P/S)
2.3
EV/EBIT
18.12
EV/EBITDA
13.53
EV/Sales
4.52
Revenue
$145.97M
Gross profit
$145.97M
Net income
$31.45M
EBIT
$36.43M
EBITDA
$48.77M
Free cash flow
$26.37M
Per share
Balance sheet
Liquidity
EPS
$2
EPS diluted
$2
Free cash flow per share
$1.68
Book value per share
$25.06
Revenue per share
$9.28
TBVPS
$249.57
Total assets
$4.06B
Total liabilities
$3.67B
Debt
$399.03M
Equity
$394.44M
Working capital
N/A
Debt to equity
1.01
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
6.65
Margins
Efficiency
Dividend
EBITDA margin
33.4%
Gross margin
100%
Net margin
21.5%
Operating margin
25%
Return on assets
0.8%
Return on equity
8.3%
Return on invested capital
0.9%
Return on capital employed
N/A
Return on sales
25%
Dividend yield
3%
DPS
$0.64
Payout ratio
32%
CIVB stock price
How has the Civista Bancshares stock price performed over time
Intraday
2.7%
1 week
-4.9%
1 month
-4.61%
1 year
16.43%
YTD
15.67%
QTD
19.7%
Financial performance
How have Civista Bancshares's revenue and profit performed over time
Revenue
$145.97M
Gross profit
$145.97M
Operating income
$36.43M
Net income
$31.45M
Gross margin
100%
Net margin
21.5%
The company's operating income fell by 32% YoY and by 6% QoQ
The net income has declined by 31% year-on-year and by 6% since the previous quarter
CIVB's operating margin is down by 24% year-on-year and by 5% since the previous quarter
The net margin has contracted by 23% 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
10.67
P/B
0.85
P/S
2.3
EV/EBIT
18.12
EV/EBITDA
13.53
EV/Sales
4.52
The P/E is 44% above the last 4 quarters average of 7.4 and 32% above the 5-year quarterly average of 8.1
The company's EPS fell by 31% YoY and by 6% QoQ
The price to book (P/B) is 21% more than the last 4 quarters average of 0.7 but 6% less than the 5-year quarterly average of 0.9
CIVB's equity is up by 19% year-on-year and by 6% since the previous quarter
The price to sales (P/S) is 28% higher than the last 4 quarters average of 1.8
Civista Bancshares's revenue has decreased by 10% YoY
Efficiency
How efficient is Civista Bancshares business performance
Civista Bancshares's return on equity has decreased by 38% YoY and by 10% QoQ
The ROIC is down by 36% YoY
The return on assets has declined by 33% year-on-year and by 11% since the previous quarter
The company's return on sales fell by 24% YoY and by 5% QoQ
Dividends
What is CIVB's dividend history
DPS
$0.64
Dividend yield
3%
Payout ratio
32%
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 9% year-on-year
CIVB's total liabilities is up by 8% year-on-year
The debt to equity is down by 39% YoY and by 38% QoQ
The debt has contracted by 35% from the previous quarter and by 27% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.