NASDAQ Financial Services Banks - Regional CIVB

Civista Bancshares, Inc.

$ 26.85 1.24 %

Serving as the financial holding company for Civista Bank, Civista Bancshares, Inc. delivers comprehensive community banking services. The company actively gathers various customer deposits and provides a broad spectrum of lending products, encompassing commercial, agricultural, residential and commercial real estate, farm real estate, and construction loans, as well as consumer credit and letters of credit. Beyond banking, it also acquires securities and offers trust services alongside third-party insurance. With approximately 42 branch locations, Civista Bancshares extends its reach across Northern, Central, Southwestern, and Northwestern Ohio, in addition to Southeastern Indiana and Northern Kentucky. Founded in 1884, the company is headquartered in Sandusky, Ohio, and officially changed its name from First Citizens Banc Corp to Civista Bancshares, Inc. in May 2015.

CEO: Dennis G. Shaffer - https://www.civb.com

Summary 30-Y Financials Dividend Analyst Key metrics Ownership / Senat
Price objectif

$27 0.56 %

Recommandation

Buy

DCF

$ 34.32

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CIVB vs S&P500

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Quick ratio

0.98

indicates that the company may have difficulty covering its short-term debts with its readily available assets.

P/E ratio

9.94

may indicate that the company is undervalued or has poor growth prospects.

EPS

2.70

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

10.21 %

reflects reasonable profitability, showing good use of equity.

ROIC

1.00 %

does not generate enough return to cover its financing costs, which indicates value destruction and may pose long-term profitability issues.

WACC

13.85

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

0.38

indicates that the company uses more equity than debt, suggesting prudent management.

Free cash flow per share

2.43

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

25.35 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

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Financials

Piotroski score
7 indicates good financial health
Altman score
0.27 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
0.83 indicates that the company has a moderate ability to cover its short-term debts with its cash
Debt Ratio
0.05 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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