Price (delayed)
$17.52
Market cap
$275.72M
P/E Ratio
8.23
Dividend/share
$0.64
EPS
$2.13
Enterprise value
$833.48M
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 7% year-on-year
The debt has soared by 129% YoY and by 27% from the previous quarter
The net income has declined by 28% year-on-year and by 8% since the previous quarter
Key stats
What are the main financial stats of CIVB
Market
Valuations
Earnings
Shares outstanding
15.74M
Market cap
$275.72M
Enterprise value
$833.48M
Price to book (P/B)
0.74
Price to sales (P/S)
1.87
EV/EBIT
21.5
EV/EBITDA
16.31
EV/Sales
5.67
Revenue
$147.07M
EBIT
$38.76M
EBITDA
$51.1M
Free cash flow
$34.3M
Per share
Balance sheet
Liquidity
EPS
$2.13
Free cash flow per share
$2.18
Book value per share
$23.77
Revenue per share
$9.35
TBVPS
$246.56
Total assets
$4.01B
Total liabilities
$3.64B
Debt
$613.52M
Equity
$373.81M
Working capital
N/A
Debt to equity
1.64
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
10.91
Margins
Efficiency
Dividend
EBITDA margin
34.7%
Gross margin
100%
Net margin
22.8%
Operating margin
26.4%
Return on assets
0.9%
Return on equity
9.2%
Return on invested capital
0.9%
Return on capital employed
N/A
Return on sales
26.4%
Dividend yield
3.65%
DPS
$0.64
Payout ratio
30%
CIVB stock price
How has the Civista Bancshares stock price performed over time
Intraday
-0.23%
1 week
6.05%
1 month
7.42%
1 year
5.93%
YTD
-4.99%
QTD
13.11%
Financial performance
How have Civista Bancshares's revenue and profit performed over time
Revenue
$147.07M
Gross profit
$147.07M
Operating income
$38.76M
Net income
$33.47M
Gross margin
100%
Net margin
22.8%
The company's operating income fell by 30% YoY and by 9% QoQ
The net income has declined by 28% year-on-year and by 8% since the previous quarter
CIVB's operating margin is down by 23% year-on-year and by 7% since the previous quarter
The net margin has contracted by 21% 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
8.23
P/B
0.74
P/S
1.87
EV/EBIT
21.5
EV/EBITDA
16.31
EV/Sales
5.67
The company's EPS fell by 28% YoY and by 8% QoQ
The P/E is 27% above the last 4 quarters average of 6.5
The price to book (P/B) is 18% less than the 5-year quarterly average of 0.9 but 6% more than the last 4 quarters average of 0.7
CIVB's equity is up by 7% year-on-year
The price to sales (P/S) is 22% lower than the 5-year quarterly average of 2.4 but 11% higher than the last 4 quarters average of 1.7
Civista Bancshares's revenue has decreased by 8% YoY
Efficiency
How efficient is Civista Bancshares business performance
The ROIC is down by 40% YoY and by 18% from the previous quarter
Civista Bancshares's return on equity has decreased by 33% YoY and by 10% QoQ
The return on assets has declined by 31% year-on-year and by 10% since the previous quarter
The company's return on sales fell by 23% YoY and by 7% QoQ
Dividends
What is CIVB's dividend history
DPS
$0.64
Dividend yield
3.65%
Payout ratio
30%
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 11% year-on-year and by 3.4% since the previous quarter
CIVB's total liabilities is up by 11% year-on-year and by 3.6% since the previous quarter
The debt is 64% more than the equity
The debt has soared by 129% YoY and by 27% from the previous quarter
The debt to equity has soared by 113% YoY and by 25% QoQ
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.