CIVB Civista Bancshares Inc

Price (delayed)

$23.17

Market cap

$361.98M

P/E Ratio

10.48

Dividend/share

$0.46

EPS

$2.21

Enterprise value

$108.68M

Highlights
The company's EPS rose by 12% YoY and by 11% QoQ
The net income has grown by 10% year-on-year and by 9% since the previous quarter
The P/E is 22% above the last 4 quarters average of 8.6 but 15% below the 5-year quarterly average of 12.4

Key stats

What are the main financial stats of CIVB
Market
Shares outstanding
15.62M
Market cap
$361.98M
Enterprise value
$108.68M
Valuations
Price to earnings (P/E)
10.48
Price to book (P/B)
1.05
Price to sales (P/S)
3.25
EV/EBIT
2.66
EV/EBITDA
2.47
EV/Sales
0.96
Earnings
Revenue
$113.12M
EBIT
$40.92M
EBITDA
$44.09M
Free cash flow
$21.07M
Per share
EPS
$2.21
Free cash flow per share
$1.33
Book value per share
$22.09
Revenue per share
$7.14
TBVPS
$187.59
Balance sheet
Total assets
$3.06B
Total liabilities
$2.71B
Debt
$183.94M
Equity
$350.06M
Working capital
N/A
Liquidity
Debt to equity
0.53
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-5.75
Margins
EBITDA margin
39%
Gross margin
100%
Net margin
31%
Operating margin
36.2%
Efficiency
Return on assets
1.2%
Return on equity
10.2%
Return on invested capital
1.5%
Return on capital employed
N/A
Return on sales
36.2%
Dividend
Dividend yield
1.99%
DPS
$0.46
Payout ratio
20.8%

CIVB stock price

How has the Civista Bancshares stock price performed over time
Intraday
0.26%
1 week
-0.43%
1 month
-2.07%
1 year
46.55%
YTD
32.17%
QTD
1%

Financial performance

How have Civista Bancshares's revenue and profit performed over time
Revenue
$113.12M
Gross profit
$113.12M
Operating income
$40.92M
Net income
$35.12M
Gross margin
100%
Net margin
31%
The company's operating income rose by 11% YoY and by 10% QoQ
The net income has grown by 10% year-on-year and by 9% since the previous quarter
Civista Bancshares's revenue has increased by 7% YoY and by 4.9% QoQ
The company's gross profit rose by 7% YoY and by 4.9% QoQ

Growth

What is Civista Bancshares's growth rate over time

Valuation

What is Civista Bancshares stock price valuation
P/E
10.48
P/B
1.05
P/S
3.25
EV/EBIT
2.66
EV/EBITDA
2.47
EV/Sales
0.96
The P/E is 22% above the last 4 quarters average of 8.6 but 15% below the 5-year quarterly average of 12.4
The company's EPS rose by 12% YoY and by 11% QoQ
The price to book (P/B) is 31% more than the last 4 quarters average of 0.8 and 5% more than the 5-year quarterly average of 1.0
CIVB's equity is up by 7% year-on-year
The price to sales (P/S) is 30% higher than the last 4 quarters average of 2.5 and 12% higher than the 5-year quarterly average of 2.9
Civista Bancshares's revenue has increased by 7% YoY and by 4.9% QoQ

Efficiency

How efficient is Civista Bancshares business performance
The return on assets has declined by 8% year-on-year
Civista Bancshares's return on equity has increased by 7% QoQ and by 6% YoY
The ROIC is up by 7% from the previous quarter
The company's return on sales rose by 5% QoQ and by 3.1% YoY

Dividends

What is CIVB's dividend history
DPS
$0.46
Dividend yield
1.99%
Payout ratio
20.8%
Recent dividends

Financial health

How did Civista Bancshares financials performed over time
The total assets is 13% greater than the total liabilities
CIVB's total liabilities is up by 20% year-on-year and by 12% since the previous quarter
The total assets is up by 19% year-on-year and by 11% since the previous quarter
The debt is 47% less than the equity
The debt to equity is down by 10% YoY
CIVB's equity is up by 7% year-on-year

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