- Stocks
- Financial Services
- NASDAQ: CIVB

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

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

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%

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%

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

What is Civista Bancshares's growth rate over time

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

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

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

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.