CIVB
Civista Bancshares
PE ratio, current and historical analysis
- Stocks
- Financial Services
- NASDAQ: CIVB
- PE Ratio
As at Jun 3, 2026, the CIVB stock has a price-to-earnings ratio of 9.3. This is based on the current EPS of $2.71 and the stock price of $25.21 per share. An increase of 11% has been recorded in the P/E ratio compared to the average of 8.4 of the last 4 quarters.
CIVB PE ratio history
The mean historical PE ratio of Civista Bancshares over the last ten years is 10.23. The current 9.3 PE ratio is 9% below the historical average. In the past ten years, CIVB's PE ratio was at its highest in the Sep 2018 quarter at 25.09, with a price of $24.09 and an EPS of $0.96. The Sep 2023 quarter recorded the bottom point at 5.34, with a price of $15.5 and an EPS of $2.9.
Civista Bancshares PE ratio by year
Maximum annual increase: 55.11% in 2024
Maximum annual decrease: -28.54% in 2019
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| 2025 | 8.42 | -19.58% | $22.22 | $2.64 |
| 2024 | 10.47 | 55.11% | $21.04 | $2.01 |
| 2023 | 6.75 | -20.31% | $18.44 | $2.73 |
| 2022 | 8.47 | -8.73% | $22.01 | $2.6 |
| 2021 | 9.28 | 5.82% | $24.4 | $2.63 |
| 2020 | 8.77 | -22.53% | $17.53 | $2 |
| 2019 | 11.32 | -28.54% | $24 | $2.12 |
| 2018 | 15.84 | 6.59% | $17.42 | $1.1 |
| 2017 | 14.86 | 49.95% | $22 | $1.48 |
| 2016 | 9.91 | 10.48% | $19.43 | $1.96 |
| 2015 | 8.97 | -13.58% | $12.83 | $1.43 |
| 2014 | 10.38 | 3.49% | $10.28 | $0.99 |
| 2013 | 10.03 | 8.9% | $6.52 | $0.65 |
| 2012 | 9.21 | -17.69% | $5.25 | $0.57 |
| 2011 | 11.19 | N/A | $4.03 | $0.36 |
Civista Bancshares PE ratio by quarter (TTM)
| Year | PE ratio | PE change | Price | EPS |
|---|---|---|---|---|
| Mar 2026 | 8.41 | -0.12% | $22.79 | $2.71 |
| Dec 2025 | 8.42 | 10.64% | $22.22 | $2.64 |
| Sep 2025 | 7.61 | -17.37% | $20.31 | $2.67 |
| Jun 2025 | 9.21 | 6.47% | $23.2 | $2.52 |
| Mar 2025 | 8.65 | -17.38% | $19.54 | $2.26 |
| Dec 2024 | 10.47 | 17.51% | $21.04 | $2.01 |
| Sep 2024 | 8.91 | 22.56% | $17.82 | $2 |
| Jun 2024 | 7.27 | 9.65% | $15.49 | $2.13 |
| Mar 2024 | 6.63 | -1.78% | $15.38 | $2.32 |
| Dec 2023 | 6.75 | 26.4% | $18.44 | $2.73 |
| Sep 2023 | 5.34 | -9.18% | $15.5 | $2.9 |
| Jun 2023 | 5.88 | -0.68% | $17.4 | $2.96 |
| Mar 2023 | 5.92 | -30.11% | $16.88 | $2.85 |
| Dec 2022 | 8.47 | 4.05% | $22.01 | $2.6 |
| Sep 2022 | 8.14 | -5.46% | $20.76 | $2.55 |
CIVB Price vs fair value
CIVB average PE ratio chart
What this chart measures
The Historical Valuation Regime chart shows where the stock's current valuation sits relative to its own historical valuation range over the selected lookback period.
This is a history-relative tool, not a market-relative percentile. It does not compare the stock to other companies. Instead, it compares each historical valuation reading to the stock's own past readings.
Percentile logic
The threshold lines are calculated them from the stock's real historical values using percentile interpolation. That is why some colored bands are narrow while others are wide: the band widths reflect how the stock actually traded through time.
Regime map
| Historical percentile | Regime | Chart meaning |
|---|---|---|
| 0-10 | Historically Low | Deep cheap zone |
| >10-25 | Below Average | Cheap relative to history |
| >25-75 | Average | Within the normal historical range |
| >75-90 | Above Average | Expensive relative to history |
| >90-100 | Historically High | Extreme or stretched valuation |
How to read each part
| Chart element | What it tells you |
|---|---|
| Main line | The actual historical valuation values over time for the selected metric. |
| Dashed horizontal lines | The stock's computed P10, P25, Median, P75, and P90 thresholds for the selected period. |
| Colored bands | The historical valuation zones between those thresholds. |
| Metric boxes | Current ratio, historical median, current percentile, and current regime. |
| Timeline strip | A condensed regime history showing how the stock moved between cheap, fair, and expensive states across each observation. |
Important metric definitions
Current Percentile is the percentile rank of the latest valid historical observation within the selected lookback range.
Current Regime is assigned directly from the latest observation's percentile bucket using the fixed 10 / 25 / 75 / 90 cutoffs shown above.
How to use it well
This chart is most useful for answering a narrow question: Is this stock trading high, low, or normal relative to its own history? It works best alongside growth, profitability, and forward-looking business analysis, because a stock can deserve a higher or lower regime if its business quality has changed.
CIVB's current P/E ratio is above the 3 and 5-year historical averages, but it is lower than the 10-year average.
PE comparison
With a P/E of 9.3, CIVB stands below the Financial Services sector and the industry average. Compared to its Financial Services sector average of 12.1, Civista Bancshares's P/E is 23% lower.
CIVB PE vs peers
CIVB's PE ratio is lower than its peer stocks BANF and SRCE.
| Stock name | PE ratio | Market cap |
|---|---|---|
| CIVB Civista Bancshares Inc | 9.62 | $542.03M |
| SRCE 1St Source Corp | 11.45 | $1.8B |
| UBCP United Bancorp Inc | 11.91 | $92.93M |
| BANF Bancfirst Corp | 14.86 | $3.7B |
Frequently asked questions
What is Civista Bancshares's PE ratio?
CIVB's price to earnings ratio is 9.3 as of Jun 3, 2026.
What is the 3-year average PE ratio for Civista Bancshares (CIVB)?
The 3-year average PE ratio for CIVB stock is 7.8.
What is the 5-year average PE ratio for Civista Bancshares (CIVB)?
The 5-year average PE ratio for CIVB stock is 8.09.
What is the highest PE ratio for CIVB?
Over the last ten years, the quarterly PE ratio reached a historic high of 25.09 in the Sep 2018 quarter.
How does the current PE ratio for CIVB compare to its historical average?
CIVB's current price to earnings ratio is 9% below its 10-year historical average.
Why is Civista Bancshares's PE ratio so low?
CIVB's PE ratio is low because its earnings per share (EPS) is high relative to its stock price.
How is CIVB's PE ratio calculated (Civista Bancshares PE ratio formula)?
To determine the PE ratio, divide the most recent stock price by the TTM earnings per share (EPS). As of today (Jun 3, 2026), Civista Bancshares's stock price is $25.21. The earnings per share for the trailing twelve months (TTM) ending Mar 2026 is $2.71. Therefore, Civista Bancshares's P/E ratio for today is 9.3. PE RATIO(9.3) = STOCK PRICE($25.21) / TTM EPS($2.71)
All PE ratio stats are based on quarterly TTM periods, unless otherwise specified.