Is Civista Bancshares, Inc. (CIVB) Overvalued?
We dive into why Civista Bancshares, Inc. (CIVB) could be considered overvalued on 2026-08-07, based on AAII’s Value Score and Grade.Rosalio Madrigal
A+ Stock Grade Summary:
| VALUE: |
|
|
| GROWTH: |
|
|
| MOMENTUM: |
|
|
| EPS REVISIONS: |
|
|
| QUALITY: |
|
|
COMPANY SUMMARY
Civista Bancshares, Inc. operates as the financial holding company for Civista Bank that provides banking services in the United States. The company offers personal and commercial checking accounts; retirement, money market, time, and savings accounts; safe deposit boxes; wire transfers; and automated teller services. It also provides internet banking; ACH origination; telephone banking; and mobile/digital banking services, as well as remote deposit capture banking services for retail and business customers. In addition, the company offers time deposits that consist of certificates of deposit, including those held in IRA accounts and reciprocal deposits. Further, its loan portfolio includes commercial and agriculture; commercial real estate – owner and non-owner occupied; residential and farm real estate; real estate construction; lease financing receivable; consumer; and other loans, as well as home equity line of credit. Additionally, the company holds and manages securities portfolio; leases general equipment; and provides captive insurance products and investment advisory services. It operates in North Central, West Central, South Western Ohio, South Eastern Indiana, and Northern Kentucky. The company was formerly known as First Citizens Banc Corp and changed its name to Civista Bancshares, Inc. in May 2015. Civista Bancshares, Inc. was founded in 1884 and is headquartered in Sandusky, Ohio.
Commentary & Analysis
What You Need to Know About Civista Bancshares, Inc.'s Q3 Earnings
Civista Bancshares, Inc.'s fiscal Q3 earnings report was released on Thursday, July 23. Let's dive in to see if (CIVB) missed or beat analyst's expectations.Tudor Pop
Why Civista Bancshares, Inc.’s (CIVB) Stock Is Up 6.35%
As of Wednesday, April 22, Civista Bancshares, Inc.’s CIVB share price has surged by 6.35%, which has investors questioning if this is right time to sell.Rosalio Madrigal
What You Need to Know About Civista Bancshares, Inc.'s Q2 Earnings
Civista Bancshares, Inc.'s fiscal Q2 earnings report was released on Wednesday, April 22. Let's dive in to see if (CIVB) missed or beat analyst's expectations.Tudor Pop
7 Undervalued Banks Stocks for Tuesday, March 10
Discover the top 7 undervalued Banks stocks for Tuesday, March 10 based on AAII’s Stock Grades.Omar Beirat
Financial Summary
| Share Statistics | CIVB | Industry Median |
Percentile (All Stocks) |
|
| Market Cap (Mil) | $573.9 | $745.4 | 38% |
|
| Shares Out (Mil) | 20.7 | 15.3 | 30% |
|
| Institutional Ownership | 96.5% | 83.2% | 70% |
|
| Float (Mil) | 20.3 | 21.8 | 29% |
|
| Beta | 0.65 | 0.42 | 38% |
|
| Avg Daily Volume (000s) | 161 | 45 | 41% |
|
| Price Change (52-week) |
37.5% | 94.6% | 73% |
|
| Growth | CIVB | Industry Median |
Percentile (All Stocks) |
|
| Sales (5yr) | 9.4% | 7.7% | 56% |
|
| Net Income (5yr) | 7.5% | 11.1% | 51% |
|
| EPS (5yr) | 5.8% | 10.1% | 40 |
|
| Dividends (5yr) | 9.1% | 3.6% | 73% |
|
| Cash Flow (5yr) | (32.1%) | (17.1%) | 17% |
|
| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
|
| # of Estimates | 6 | 6 | 6 | |
| Current EPS | $0.695 | $2.837 | $2.907 | |
| Month Ago EPS | $0.702 | $2.840 | $2.892 | |
| # Rev Up | 4 | 5 | 2 | |
| # Rev Down | 0 | 0 | 2 | |
| Three Months Ago EPS | $0.697 | $2.825 | $2.902 | |
| Year/Year Chg | 0.9% | 7.5% | na | |
| Financials | CIVB | Industry Median |
Percentile (All Stocks) |
|
| Sales (TTM) (Mil) | $183 | $196 | 31% |
|
| Net Income (TTM) (Mil) | $54 | $55 | 55% |
|
| EPS (TTM) | $2.699 | $2.600 | 76% |
|
| Operating Cash Flow (TTM) (Mil) | $58 | $35 | 47% |
|
| Net Cash Flow (TTM) (Mil) | ($12) | $2 | 29% |
|
| Long-Term Debt (Q1) (Mil) | $110 | $100 | 45% |
|
| Enterprise Value (Q1) (Mil) | na | $0 | na |
|
| Valuation | CIVB | Industry Median |
Percentile (All Stocks) |
|
| P/B | 1.01 | 1.25 | 22% |
|
| P/E | 10.2 | 12.4 | 17% |
|
| Dividend Yield | 2.6% | 2.2% | 82% |
|
| PEG (5yr hist) | 1.8 | 1.1 | 64% |
|
| Ratios | CIVB | Industry Median |
Percentile (All Stocks) |
|
| Gross Margin | na | 63.7% | na |
|
| Net Margin | 29.6% | 29.1% | 88% |
|
| ROA | 1.3% | 1.1% | 50% |
|
| ROE | 11.2% | 11.3% | 60% |
|
| Liabilities to Assets | 86.8% | 89.7% | 80% |
|
| F-Score | 5 | 4 | 50% |
|
Passing Stock Screens
As of 8/21/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.9% |
| +/- S&P 500: | -0.6 |
