CIVB Civista Bancshares Inc
Price (delayed)
$20.2
Market cap
$312.69M
P/E Ratio
10.05
Dividend/share
$0.65
EPS
$2.01
Enterprise value
$700.41M
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 4.4% year-on-year
The P/E is 28% above the 5-year quarterly average of 8.1 and 25% above the last 4 quarters average of 8.3
The company's EPS fell by 26% YoY
Key stats
What are the main financial stats of CIVB
Market
Valuations
Earnings
Shares outstanding
15.48M
Market cap
$312.69M
Enterprise value
$700.41M
Price to earnings (P/E)
10.05
Price to book (P/B)
0.82
Price to sales (P/S)
2.13
EV/EBIT
19.15
EV/EBITDA
14.71
EV/Sales
4.7
Revenue
$149.09M
Gross profit
$149.09M
Operating income
$36.57M
Net income
$31.68M
EBIT
$36.57M
EBITDA
$47.6M
Free cash flow
$48.3M
Per share
Balance sheet
Liquidity
EPS
$2.01
EPS diluted
$2.01
Free cash flow per share
$3.07
Book value per share
$24.69
Revenue per share
$9.47
TBVPS
$251.97
Total assets
$4.1B
Total liabilities
$3.71B
Debt
$450.88M
Equity
$388.5M
Working capital
N/A
Debt to equity
1.16
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
8.15
Margins
Efficiency
Dividend
EBITDA margin
31.9%
Gross margin
100%
Net margin
21.3%
Operating margin
24.5%
Return on assets
0.8%
Return on equity
8.3%
Return on invested capital
0.8%
Return on capital employed
N/A
Return on sales
24.5%
Dividend yield
3.22%
DPS
$0.65
Payout ratio
32.3%
CIVB stock price
How has the Civista Bancshares stock price performed over time
Intraday
-2.79%
1 week
1.71%
1 month
1.87%
1 year
31.6%
YTD
-3.99%
QTD
3.38%
Financial performance
How have Civista Bancshares's revenue and profit performed over time
Revenue
$149.09M
Gross profit
$149.09M
Operating income
$36.57M
Net income
$31.68M
Gross margin
100%
Net margin
21.3%
The company's operating income fell by 28% YoY
The net income has declined by 26% year-on-year
CIVB's operating margin is down by 23% year-on-year
The net margin has contracted by 22% YoY
Growth
What is Civista Bancshares's growth rate over time
Valuation
What is Civista Bancshares stock price valuation
P/E
10.05
P/B
0.82
P/S
2.13
EV/EBIT
19.15
EV/EBITDA
14.71
EV/Sales
4.7
The P/E is 28% above the 5-year quarterly average of 8.1 and 25% above the last 4 quarters average of 8.3
The company's EPS fell by 26% YoY
The price to book (P/B) is 20% more than the last 4 quarters average of 0.7 but 7% less than the 5-year quarterly average of 0.9
CIVB's equity is up by 4.4% year-on-year
The price to sales (P/S) is 22% higher than the last 4 quarters average of 1.8 but 4.8% lower than the 5-year quarterly average of 2.3
Civista Bancshares's revenue has decreased by 6% YoY
Efficiency
How efficient is Civista Bancshares business performance
The ROIC is down by 38% YoY and by 11% from the previous quarter
Civista Bancshares's return on equity has decreased by 33% YoY
The return on assets has declined by 33% year-on-year
The company's return on sales fell by 23% YoY
Dividends
What is CIVB's dividend history
DPS
$0.65
Dividend yield
3.22%
Payout ratio
32.3%
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 6% year-on-year
CIVB's total liabilities is up by 6% year-on-year
The debt is 16% more than the equity
The debt to equity is up by 15% QoQ but it is down by 4.9% YoY
The debt has grown by 13% from the previous quarter
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.