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CIVB Quote, Financials, Valuation and Earnings
Last price:
$21.86
Seasonality move
:
2.37%
Day range:
$21.48 - $21.98
52-week range:
$17.47 - $25.59
Dividend yield:
3.1%
P/E ratio:
8.19x
P/S ratio:
1.41x
P/B ratio:
0.85x
Volume:
37K
Avg. volume:
95.3K
1-year change:
-3.56%
Market cap:
$423.3M
Revenue:
$244.4M
EPS (TTM):
$2.68
Price Performance History
Performance vs. Valuation Benchmarks
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Competitors
| Company | Revenue Forecast | Earnings Forecast | Revenue Growth Forecast | Earnings Growth Forecast | Analyst Price Target Median |
|---|---|---|---|---|---|
|
CIVB
Civista Bancshares, Inc.
|
$43.4M | $0.59 | -27.03% | -2.31% | $24.67 |
|
CZNC
Citizens & Northern Corp.
|
$28.5M | $0.53 | -13.4% | 10.48% | $21.50 |
|
FIBK
First Interstate BancSystem, Inc.
|
$254.5M | $0.61 | -31.03% | 25.67% | $35.50 |
|
PCB
PCB Bancorp
|
$30.5M | $0.60 | -40.44% | 30.37% | $24.50 |
|
PEBO
Peoples Bancorp, Inc. (Ohio)
|
$116.9M | $0.82 | -24.02% | 15.77% | $33.08 |
|
SHBI
Shore Bancshares, Inc.
|
$57.6M | $0.45 | -32.44% | 16.81% | $18.17 |
| Company | Price | Analyst Target | Market Cap | P/E Ratio | Dividend per Share | Dividend Yield | Price / LTM Sales |
|---|---|---|---|---|---|---|---|
|
CIVB
Civista Bancshares, Inc.
|
$21.92 | $24.67 | $423.3M | 8.19x | $0.17 | 3.1% | 1.41x |
|
CZNC
Citizens & Northern Corp.
|
$19.60 | $21.50 | $348.9M | 11.21x | $0.28 | 5.71% | 1.87x |
|
FIBK
First Interstate BancSystem, Inc.
|
$31.42 | $35.50 | $3.2B | 13.24x | $0.47 | 5.98% | 2.33x |
|
PCB
PCB Bancorp
|
$21.72 | $24.50 | $309.7M | 9.05x | $0.20 | 3.68% | 1.51x |
|
PEBO
Peoples Bancorp, Inc. (Ohio)
|
$28.88 | $33.08 | $1B | 10.10x | $0.41 | 5.64% | 1.65x |
|
SHBI
Shore Bancshares, Inc.
|
$16.13 | $18.17 | $539.2M | 9.47x | $0.12 | 2.98% | 1.59x |
| Company | Total Debt / Total Capital | Beta | Debt to Equity | Quick Ratio |
|---|---|---|---|---|
|
CIVB
Civista Bancshares, Inc.
|
40.84% | 0.790 | 87.81% | 0.00x |
|
CZNC
Citizens & Northern Corp.
|
37.22% | 0.927 | 56.63% | 0.00x |
|
FIBK
First Interstate BancSystem, Inc.
|
18.72% | 1.595 | 23.98% | 0.00x |
|
PCB
PCB Bancorp
|
4.7% | 0.834 | 5.14% | 0.00x |
|
PEBO
Peoples Bancorp, Inc. (Ohio)
|
37.88% | 1.311 | 67.53% | 0.00x |
|
SHBI
Shore Bancshares, Inc.
|
19.06% | 1.525 | 24.78% | 0.00x |
| Company | Gross Profit | Operating Income | Return on Invested Capital | Return on Common Equity | EBIT Margin | Free Cash Flow |
|---|---|---|---|---|---|---|
|
CIVB
Civista Bancshares, Inc.
|
-- | $15.7M | 5.06% | 10.43% | 56.03% | $18.4M |
|
CZNC
Citizens & Northern Corp.
|
-- | $8.9M | 5.6% | 9.51% | 47.39% | $8.5M |
|
FIBK
First Interstate BancSystem, Inc.
|
-- | $92.6M | 4.72% | 7.26% | 52.96% | $84.3M |
|
PCB
PCB Bancorp
|
-- | $15.9M | 8.42% | 9.24% | 73.6% | $16.2M |
|
PEBO
Peoples Bancorp, Inc. (Ohio)
|
-- | $38M | 6.14% | 8.84% | 50.74% | $12.7M |
|
SHBI
Shore Bancshares, Inc.
|
-- | $19M | 8.25% | 10.27% | 55.98% | $27.7M |
Civista Bancshares, Inc. vs. Competitors
-
Which has Higher Returns CIVB or CZNC?
Citizens & Northern Corp. has a net margin of 19.58% compared to Civista Bancshares, Inc.'s net margin of 15.87%. Civista Bancshares, Inc.'s return on equity of 10.43% beat Citizens & Northern Corp.'s return on equity of 9.51%.
Company Gross Margin Earnings Per Share Invested Capital CIVBCivista Bancshares, Inc.-- $0.68 $843.5M CZNCCitizens & Northern Corp.-- $0.42 $468.2M -
What do Analysts Say About CIVB or CZNC?
Civista Bancshares, Inc. has a consensus price target of $24.67, signalling upside risk potential of 12.53%. On the other hand Citizens & Northern Corp. has an analysts' consensus of $21.50 which suggests that it could grow by 9.69%. Given that Civista Bancshares, Inc. has higher upside potential than Citizens & Northern Corp., analysts believe Civista Bancshares, Inc. is more attractive than Citizens & Northern Corp..
Company Buy Ratings Hold Ratings Sell Ratings CIVBCivista Bancshares, Inc.2 3 0 CZNCCitizens & Northern Corp.0 2 0 -
Is CIVB or CZNC More Risky?
Civista Bancshares, Inc. has a beta of 0.786, which suggesting that the stock is 21.385% less volatile than S&P 500. In comparison Citizens & Northern Corp. has a beta of 0.583, suggesting its less volatile than the S&P 500 by 41.679%.
-
Which is a Better Dividend Stock CIVB or CZNC?
Civista Bancshares, Inc. has a quarterly dividend of $0.17 per share corresponding to a yield of 3.1%. Citizens & Northern Corp. offers a yield of 5.71% to investors and pays a quarterly dividend of $0.28 per share. Civista Bancshares, Inc. pays 31.77% of its earnings as a dividend. Citizens & Northern Corp. pays out 66.39% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios CIVB or CZNC?
Civista Bancshares, Inc. quarterly revenues are $64.9M, which are larger than Citizens & Northern Corp. quarterly revenues of $40.9M. Civista Bancshares, Inc.'s net income of $12.7M is higher than Citizens & Northern Corp.'s net income of $6.5M. Notably, Civista Bancshares, Inc.'s price-to-earnings ratio is 8.19x while Citizens & Northern Corp.'s PE ratio is 11.21x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Civista Bancshares, Inc. is 1.41x versus 1.87x for Citizens & Northern Corp.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income CIVBCivista Bancshares, Inc.1.41x 8.19x $64.9M $12.7M CZNCCitizens & Northern Corp.1.87x 11.21x $40.9M $6.5M
-
Which has Higher Returns CIVB or FIBK?
First Interstate BancSystem, Inc. has a net margin of 19.58% compared to Civista Bancshares, Inc.'s net margin of 21.27%. Civista Bancshares, Inc.'s return on equity of 10.43% beat First Interstate BancSystem, Inc.'s return on equity of 7.26%.
Company Gross Margin Earnings Per Share Invested Capital CIVBCivista Bancshares, Inc.-- $0.68 $843.5M FIBKFirst Interstate BancSystem, Inc.-- $0.69 $4.2B -
What do Analysts Say About CIVB or FIBK?
Civista Bancshares, Inc. has a consensus price target of $24.67, signalling upside risk potential of 12.53%. On the other hand First Interstate BancSystem, Inc. has an analysts' consensus of $35.50 which suggests that it could grow by 12.99%. Given that First Interstate BancSystem, Inc. has higher upside potential than Civista Bancshares, Inc., analysts believe First Interstate BancSystem, Inc. is more attractive than Civista Bancshares, Inc..
Company Buy Ratings Hold Ratings Sell Ratings CIVBCivista Bancshares, Inc.2 3 0 FIBKFirst Interstate BancSystem, Inc.2 3 1 -
Is CIVB or FIBK More Risky?
Civista Bancshares, Inc. has a beta of 0.786, which suggesting that the stock is 21.385% less volatile than S&P 500. In comparison First Interstate BancSystem, Inc. has a beta of 0.834, suggesting its less volatile than the S&P 500 by 16.626%.
-
Which is a Better Dividend Stock CIVB or FIBK?
Civista Bancshares, Inc. has a quarterly dividend of $0.17 per share corresponding to a yield of 3.1%. First Interstate BancSystem, Inc. offers a yield of 5.98% to investors and pays a quarterly dividend of $0.47 per share. Civista Bancshares, Inc. pays 31.77% of its earnings as a dividend. First Interstate BancSystem, Inc. pays out 85.84% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios CIVB or FIBK?
Civista Bancshares, Inc. quarterly revenues are $64.9M, which are smaller than First Interstate BancSystem, Inc. quarterly revenues of $335.7M. Civista Bancshares, Inc.'s net income of $12.7M is lower than First Interstate BancSystem, Inc.'s net income of $71.4M. Notably, Civista Bancshares, Inc.'s price-to-earnings ratio is 8.19x while First Interstate BancSystem, Inc.'s PE ratio is 13.24x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Civista Bancshares, Inc. is 1.41x versus 2.33x for First Interstate BancSystem, Inc.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income CIVBCivista Bancshares, Inc.1.41x 8.19x $64.9M $12.7M FIBKFirst Interstate BancSystem, Inc.2.33x 13.24x $335.7M $71.4M
-
Which has Higher Returns CIVB or PCB?
PCB Bancorp has a net margin of 19.58% compared to Civista Bancshares, Inc.'s net margin of 20.63%. Civista Bancshares, Inc.'s return on equity of 10.43% beat PCB Bancorp's return on equity of 9.24%.
Company Gross Margin Earnings Per Share Invested Capital CIVBCivista Bancshares, Inc.-- $0.68 $843.5M PCBPCB Bancorp-- $0.78 $403.5M -
What do Analysts Say About CIVB or PCB?
Civista Bancshares, Inc. has a consensus price target of $24.67, signalling upside risk potential of 12.53%. On the other hand PCB Bancorp has an analysts' consensus of $24.50 which suggests that it could grow by 12.83%. Given that PCB Bancorp has higher upside potential than Civista Bancshares, Inc., analysts believe PCB Bancorp is more attractive than Civista Bancshares, Inc..
Company Buy Ratings Hold Ratings Sell Ratings CIVBCivista Bancshares, Inc.2 3 0 PCBPCB Bancorp0 3 0 -
Is CIVB or PCB More Risky?
Civista Bancshares, Inc. has a beta of 0.786, which suggesting that the stock is 21.385% less volatile than S&P 500. In comparison PCB Bancorp has a beta of 0.602, suggesting its less volatile than the S&P 500 by 39.812%.
-
Which is a Better Dividend Stock CIVB or PCB?
Civista Bancshares, Inc. has a quarterly dividend of $0.17 per share corresponding to a yield of 3.1%. PCB Bancorp offers a yield of 3.68% to investors and pays a quarterly dividend of $0.20 per share. Civista Bancshares, Inc. pays 31.77% of its earnings as a dividend. PCB Bancorp pays out 41.43% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios CIVB or PCB?
Civista Bancshares, Inc. quarterly revenues are $64.9M, which are larger than PCB Bancorp quarterly revenues of $54.9M. Civista Bancshares, Inc.'s net income of $12.7M is higher than PCB Bancorp's net income of $11.3M. Notably, Civista Bancshares, Inc.'s price-to-earnings ratio is 8.19x while PCB Bancorp's PE ratio is 9.05x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Civista Bancshares, Inc. is 1.41x versus 1.51x for PCB Bancorp. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income CIVBCivista Bancshares, Inc.1.41x 8.19x $64.9M $12.7M PCBPCB Bancorp1.51x 9.05x $54.9M $11.3M
-
Which has Higher Returns CIVB or PEBO?
Peoples Bancorp, Inc. (Ohio) has a net margin of 19.58% compared to Civista Bancshares, Inc.'s net margin of 18.66%. Civista Bancshares, Inc.'s return on equity of 10.43% beat Peoples Bancorp, Inc. (Ohio)'s return on equity of 8.84%.
Company Gross Margin Earnings Per Share Invested Capital CIVBCivista Bancshares, Inc.-- $0.68 $843.5M PEBOPeoples Bancorp, Inc. (Ohio)-- $0.83 $1.9B -
What do Analysts Say About CIVB or PEBO?
Civista Bancshares, Inc. has a consensus price target of $24.67, signalling upside risk potential of 12.53%. On the other hand Peoples Bancorp, Inc. (Ohio) has an analysts' consensus of $33.08 which suggests that it could grow by 14.56%. Given that Peoples Bancorp, Inc. (Ohio) has higher upside potential than Civista Bancshares, Inc., analysts believe Peoples Bancorp, Inc. (Ohio) is more attractive than Civista Bancshares, Inc..
Company Buy Ratings Hold Ratings Sell Ratings CIVBCivista Bancshares, Inc.2 3 0 PEBOPeoples Bancorp, Inc. (Ohio)1 5 0 -
Is CIVB or PEBO More Risky?
Civista Bancshares, Inc. has a beta of 0.786, which suggesting that the stock is 21.385% less volatile than S&P 500. In comparison Peoples Bancorp, Inc. (Ohio) has a beta of 0.699, suggesting its less volatile than the S&P 500 by 30.097%.
-
Which is a Better Dividend Stock CIVB or PEBO?
Civista Bancshares, Inc. has a quarterly dividend of $0.17 per share corresponding to a yield of 3.1%. Peoples Bancorp, Inc. (Ohio) offers a yield of 5.64% to investors and pays a quarterly dividend of $0.41 per share. Civista Bancshares, Inc. pays 31.77% of its earnings as a dividend. Peoples Bancorp, Inc. (Ohio) pays out 48.1% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios CIVB or PEBO?
Civista Bancshares, Inc. quarterly revenues are $64.9M, which are smaller than Peoples Bancorp, Inc. (Ohio) quarterly revenues of $156.6M. Civista Bancshares, Inc.'s net income of $12.7M is lower than Peoples Bancorp, Inc. (Ohio)'s net income of $29.2M. Notably, Civista Bancshares, Inc.'s price-to-earnings ratio is 8.19x while Peoples Bancorp, Inc. (Ohio)'s PE ratio is 10.10x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Civista Bancshares, Inc. is 1.41x versus 1.65x for Peoples Bancorp, Inc. (Ohio). Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income CIVBCivista Bancshares, Inc.1.41x 8.19x $64.9M $12.7M PEBOPeoples Bancorp, Inc. (Ohio)1.65x 10.10x $156.6M $29.2M
-
Which has Higher Returns CIVB or SHBI?
Shore Bancshares, Inc. has a net margin of 19.58% compared to Civista Bancshares, Inc.'s net margin of 16.9%. Civista Bancshares, Inc.'s return on equity of 10.43% beat Shore Bancshares, Inc.'s return on equity of 10.27%.
Company Gross Margin Earnings Per Share Invested Capital CIVBCivista Bancshares, Inc.-- $0.68 $843.5M SHBIShore Bancshares, Inc.-- $0.43 $713.1M -
What do Analysts Say About CIVB or SHBI?
Civista Bancshares, Inc. has a consensus price target of $24.67, signalling upside risk potential of 12.53%. On the other hand Shore Bancshares, Inc. has an analysts' consensus of $18.17 which suggests that it could grow by 11.59%. Given that Civista Bancshares, Inc. has higher upside potential than Shore Bancshares, Inc., analysts believe Civista Bancshares, Inc. is more attractive than Shore Bancshares, Inc..
Company Buy Ratings Hold Ratings Sell Ratings CIVBCivista Bancshares, Inc.2 3 0 SHBIShore Bancshares, Inc.0 1 0 -
Is CIVB or SHBI More Risky?
Civista Bancshares, Inc. has a beta of 0.786, which suggesting that the stock is 21.385% less volatile than S&P 500. In comparison Shore Bancshares, Inc. has a beta of 1.104, suggesting its more volatile than the S&P 500 by 10.402%.
-
Which is a Better Dividend Stock CIVB or SHBI?
Civista Bancshares, Inc. has a quarterly dividend of $0.17 per share corresponding to a yield of 3.1%. Shore Bancshares, Inc. offers a yield of 2.98% to investors and pays a quarterly dividend of $0.12 per share. Civista Bancshares, Inc. pays 31.77% of its earnings as a dividend. Shore Bancshares, Inc. pays out 36.4% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.
-
Which has Better Financial Ratios CIVB or SHBI?
Civista Bancshares, Inc. quarterly revenues are $64.9M, which are smaller than Shore Bancshares, Inc. quarterly revenues of $84.9M. Civista Bancshares, Inc.'s net income of $12.7M is lower than Shore Bancshares, Inc.'s net income of $14.3M. Notably, Civista Bancshares, Inc.'s price-to-earnings ratio is 8.19x while Shore Bancshares, Inc.'s PE ratio is 9.47x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Civista Bancshares, Inc. is 1.41x versus 1.59x for Shore Bancshares, Inc.. Usually stocks with elevated PS ratios are considered overvalued.
Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income CIVBCivista Bancshares, Inc.1.41x 8.19x $64.9M $12.7M SHBIShore Bancshares, Inc.1.59x 9.47x $84.9M $14.3M
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