CIVB Civista Bancshares Inc

Price (delayed)

$15.26

Market cap

$239.39M

P/E Ratio

5.59

Dividend/share

$0.63

EPS

$2.73

Enterprise value

$633.17M

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 36% below the 5-year quarterly average of 8.7 and 8% below the last 4 quarters average of 6.0
The debt has contracted by 29% YoY and by 17% from the previous quarter
Civista Bancshares's revenue has increased by 15% YoY but it has decreased by 3.3% QoQ
The company's gross profit rose by 15% YoY but it fell by 3.3% QoQ

Key stats

What are the main financial stats of CIVB
Market
Shares outstanding
15.69M
Market cap
$239.39M
Enterprise value
$633.17M
Valuations
Price to earnings (P/E)
5.59
Price to book (P/B)
0.64
Price to sales (P/S)
1.51
EV/EBIT
12.51
EV/EBITDA
10.06
EV/Sales
4
Earnings
Revenue
$158.22M
EBIT
$50.61M
EBITDA
$62.95M
Free cash flow
$59.27M
Per share
EPS
$2.73
Free cash flow per share
$3.78
Book value per share
$23.7
Revenue per share
$10.08
TBVPS
$237.41
Balance sheet
Total assets
$3.86B
Total liabilities
$3.49B
Debt
$454.19M
Equity
$372M
Working capital
N/A
Liquidity
Debt to equity
1.22
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
6.26
Margins
EBITDA margin
39.8%
Gross margin
100%
Net margin
27.2%
Operating margin
32%
Efficiency
Return on assets
1.2%
Return on equity
12.3%
Return on invested capital
1.3%
Return on capital employed
N/A
Return on sales
32%
Dividend
Dividend yield
4.13%
DPS
$0.63
Payout ratio
23.1%

CIVB stock price

How has the Civista Bancshares stock price performed over time
Intraday
0.79%
1 week
6.79%
1 month
1.4%
1 year
-2.12%
YTD
-17.25%
QTD
-0.78%

Financial performance

How have Civista Bancshares's revenue and profit performed over time
Revenue
$158.22M
Gross profit
$158.22M
Operating income
$50.61M
Net income
$42.96M
Gross margin
100%
Net margin
27.2%
Civista Bancshares's revenue has increased by 15% YoY but it has decreased by 3.3% QoQ
The company's gross profit rose by 15% YoY but it fell by 3.3% QoQ
The net income has grown by 9% year-on-year but it has declined by 5% since the previous quarter
The company's operating income rose by 8% YoY but it fell by 6% QoQ

Growth

What is Civista Bancshares's growth rate over time

Valuation

What is Civista Bancshares stock price valuation
P/E
5.59
P/B
0.64
P/S
1.51
EV/EBIT
12.51
EV/EBITDA
10.06
EV/Sales
4
The P/E is 36% below the 5-year quarterly average of 8.7 and 8% below the last 4 quarters average of 6.0
The company's EPS fell by 6% QoQ but it rose by 5% YoY
The price to book (P/B) is 29% less than the 5-year quarterly average of 0.9 and 20% less than the last 4 quarters average of 0.8
CIVB's equity is up by 12% since the previous quarter and by 11% year-on-year
The price to sales (P/S) is 42% lower than the 5-year quarterly average of 2.6 and 12% lower than the last 4 quarters average of 1.7
Civista Bancshares's revenue has increased by 15% YoY but it has decreased by 3.3% QoQ

Efficiency

How efficient is Civista Bancshares business performance
Civista Bancshares's return on equity has decreased by 8% QoQ
The ROIC is down by 7% from the previous quarter and by 7% YoY
The company's return on sales fell by 6% YoY and by 3% QoQ

Dividends

What is CIVB's dividend history
DPS
$0.63
Dividend yield
4.13%
Payout ratio
23.1%
Recent dividends

Financial health

How did Civista Bancshares financials performed over time
The total assets is 11% greater than the total liabilities
CIVB's total liabilities is up by 6% year-on-year and by 2.6% since the previous quarter
The total assets is up by 6% year-on-year and by 3.4% since the previous quarter
The debt is 22% more than the equity
The debt to equity is down by 36% YoY and by 26% QoQ
The debt has contracted by 29% YoY and by 17% from the previous quarter

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