CIVB Civista Bancshares Inc

  1. Stocks
  2. Financial Services
  3. NASDAQ: CIVB

Price (delayed)

$18.98

Market cap

$298.5M

P/E Ratio

8.18

Dividend/share

$0.64

EPS

$2.32

Enterprise value

$730.99M

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 6% year-on-year
The debt has grown by 38% YoY and by 6% from the previous quarter
The P/E is 30% above the last 4 quarters average of 6.2
Sector: Financial Services
Industry: Banks - Regional
Website: http://www.civb.com
Peers: SRCE HTBK UBCP

Key stats

What are the main financial stats of CIVB
Market
Shares outstanding
15.73M
Market cap
$298.5M
Enterprise value
$730.99M
Valuations
Price to earnings (P/E)
8.18
Price to book (P/B)
0.81
Price to sales (P/S)
1.98
EV/EBIT
17.24
EV/EBITDA
13.36
EV/Sales
4.87
Earnings
Revenue
$150.06M
EBIT
$42.39M
EBITDA
$54.73M
Free cash flow
$40.66M
Per share
EPS
$2.32
Free cash flow per share
$2.59
Book value per share
$23.56
Revenue per share
$9.57
TBVPS
$238.77
Balance sheet
Total assets
$3.88B
Total liabilities
$3.51B
Debt
$482.8M
Equity
$369.66M
Working capital
N/A
Liquidity
Debt to equity
1.31
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
7.9
Margins
EBITDA margin
36.5%
Gross margin
100%
Net margin
24.3%
Operating margin
28.3%
Efficiency
Return on assets
1%
Return on equity
10.2%
Return on invested capital
1.1%
Return on capital employed
N/A
Return on sales
28.3%
Dividend
Dividend yield
3.37%
DPS
$0.64
Payout ratio
27.6%

CIVB stock price

How has the Civista Bancshares stock price performed over time
Intraday
1.28%
1 week
7.66%
1 month
31.26%
1 year
-3.7%
YTD
2.93%
QTD
22.53%

Financial performance

How have Civista Bancshares's revenue and profit performed over time
Revenue
$150.06M
Gross profit
$150.06M
Operating income
$42.39M
Net income
$36.44M
Gross margin
100%
Net margin
24.3%
CIVB's operating margin is down by 19% year-on-year and by 12% since the previous quarter
The company's operating income fell by 19% YoY and by 16% QoQ
The net income has declined by 17% year-on-year and by 15% since the previous quarter
The net margin has contracted by 17% YoY and by 11% from the previous quarter

Growth

What is Civista Bancshares's growth rate over time

Valuation

What is Civista Bancshares stock price valuation
CIVB P/E details
P/E
8.18
P/B
0.81
P/S
1.98
EV/EBIT
17.24
EV/EBITDA
13.36
EV/Sales
4.87
The P/E is 30% above the last 4 quarters average of 6.2
The company's EPS fell by 19% YoY and by 15% QoQ
The price to book (P/B) is 14% more than the last 4 quarters average of 0.7 but 11% less than the 5-year quarterly average of 0.9
CIVB's equity is up by 6% year-on-year
The price to sales (P/S) is 22% lower than the 5-year quarterly average of 2.5 but 15% higher than the last 4 quarters average of 1.7
Civista Bancshares's revenue has decreased by 5% QoQ

Efficiency

How efficient is Civista Bancshares business performance
The ROIC is down by 27% YoY and by 15% from the previous quarter
Civista Bancshares's return on equity has decreased by 25% YoY and by 17% QoQ
The return on assets has declined by 23% year-on-year and by 17% since the previous quarter
The company's return on sales fell by 19% YoY and by 12% QoQ

Dividends

What is CIVB's dividend history
Dividend details
DPS
$0.64
Dividend yield
3.37%
Payout ratio
27.6%
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 8% year-on-year
The total assets is up by 8% year-on-year
The debt is 31% more than the equity
The debt has grown by 38% YoY and by 6% from the previous quarter
The debt to equity is up by 31% YoY and by 7% QoQ

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