CIVB Civista Bancshares Inc

Price (delayed)

$22.3

Market cap

$325.28M

P/E Ratio

8.81

Dividend/share

$0.56

EPS

$2.53

Enterprise value

$115.22M

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 29% below the 5-year quarterly average of 12.4 and 5% below the last 4 quarters average of 9.3
The company's gross profit rose by 10% YoY
The company's EPS rose by 14% YoY but it fell by 3.8% QoQ
The net income has grown by 9% year-on-year but it has declined by 6% since the previous quarter
The debt has grown by 10% YoY
CIVB's equity is down by 8% since the previous quarter and by 6% year-on-year

Key stats

What are the main financial stats of CIVB
Market
Shares outstanding
14.59M
Market cap
$325.28M
Enterprise value
$115.22M
Valuations
Price to earnings (P/E)
8.81
Price to book (P/B)
1.01
Price to sales (P/S)
2.67
EV/EBIT
2.57
EV/EBITDA
2.42
EV/Sales
0.93
Earnings
Revenue
$124.13M
EBIT
$44.78M
EBITDA
$47.65M
Free cash flow
$31.57M
Per share
EPS
$2.53
Free cash flow per share
$2.13
Book value per share
$22.01
Revenue per share
$8.36
TBVPS
$208.72
Balance sheet
Total assets
$3.18B
Total liabilities
$2.86B
Debt
$202.64M
Equity
$327.69M
Working capital
N/A
Liquidity
Debt to equity
0.62
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-4.41
Margins
EBITDA margin
38.4%
Gross margin
100%
Net margin
30.8%
Operating margin
36.1%
Efficiency
Return on assets
1.3%
Return on equity
11.1%
Return on invested capital
1.6%
Return on capital employed
N/A
Return on sales
36.1%
Dividend
Dividend yield
2.51%
DPS
$0.56
Payout ratio
22.1%

CIVB stock price

How has the Civista Bancshares stock price performed over time
Intraday
5.64%
1 week
5.94%
1 month
6.04%
1 year
-2.19%
YTD
-8.61%
QTD
-7.47%

Financial performance

How have Civista Bancshares's revenue and profit performed over time
Revenue
$124.13M
Gross profit
$124.13M
Operating income
$44.78M
Net income
$38.25M
Gross margin
100%
Net margin
30.8%
The company's gross profit rose by 10% YoY
Civista Bancshares's revenue has increased by 10% YoY
The company's operating income rose by 9% YoY but it fell by 6% QoQ
The net income has grown by 9% year-on-year but it has declined by 6% since the previous quarter

Growth

What is Civista Bancshares's growth rate over time

Valuation

What is Civista Bancshares stock price valuation
P/E
8.81
P/B
1.01
P/S
2.67
EV/EBIT
2.57
EV/EBITDA
2.42
EV/Sales
0.93
The P/E is 29% below the 5-year quarterly average of 12.4 and 5% below the last 4 quarters average of 9.3
The company's EPS rose by 14% YoY but it fell by 3.8% QoQ
CIVB's equity is down by 8% since the previous quarter and by 6% year-on-year
The price to sales (P/S) is 11% lower than the 5-year quarterly average of 3.0 and 8% lower than the last 4 quarters average of 2.9
Civista Bancshares's revenue has increased by 10% YoY

Efficiency

How efficient is Civista Bancshares business performance
Civista Bancshares's return on equity has increased by 9% YoY but it has decreased by 3.5% QoQ
The return on assets rose by 8% year-on-year but it has declined by 7% since the previous quarter
The ROIC is up by 7% YoY but it is down by 6% from the previous quarter
The company's return on sales fell by 4.2% QoQ

Dividends

What is CIVB's dividend history
DPS
$0.56
Dividend yield
2.51%
Payout ratio
22.1%
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 7% since the previous quarter and by 6% year-on-year
The total assets is up by 6% since the previous quarter and by 4.2% year-on-year
The debt is 38% less than the equity
The debt to equity is up by 17% YoY and by 9% QoQ
The debt has grown by 10% YoY

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