Financhill
Buy
61

CIVB Quote, Financials, Valuation and Earnings

Last price:
$22.96
Seasonality move :
5.63%
Day range:
$23.34 - $24.14
52-week range:
$17.47 - $25.59
Dividend yield:
2.96%
P/E ratio:
8.58x
P/S ratio:
1.48x
P/B ratio:
0.89x
Volume:
100.7K
Avg. volume:
109.5K
1-year change:
9.7%
Market cap:
$443.4M
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% -1.62% $25.67
CZNC
Citizens & Northern Corp.
$28.5M $0.53 -13.4% 10.48% $22.50
FIBK
First Interstate BancSystem, Inc.
$254.5M $0.61 -31.03% 25.67% $37.00
PCB
PCB Bancorp
$30.5M $0.60 -40.58% 29.65% $25.25
PEBO
Peoples Bancorp, Inc. (Ohio)
$116.9M $0.82 -23.9% 16.15% $34.00
SHBI
Shore Bancshares, Inc.
$57.8M $0.45 -32.5% 17.43% $19.00
Company Price Analyst Target Market Cap P/E Ratio Dividend per Share Dividend Yield Price / LTM Sales
CIVB
Civista Bancshares, Inc.
$22.96 $25.67 $443.4M 8.58x $0.17 2.96% 1.48x
CZNC
Citizens & Northern Corp.
$20.63 $22.50 $367.3M 11.79x $0.28 5.43% 1.97x
FIBK
First Interstate BancSystem, Inc.
$35.90 $37.00 $3.7B 15.12x $0.47 5.24% 2.67x
PCB
PCB Bancorp
$22.42 $25.25 $319.7M 9.35x $0.20 3.57% 1.56x
PEBO
Peoples Bancorp, Inc. (Ohio)
$30.75 $34.00 $1.1B 10.76x $0.41 5.3% 1.76x
SHBI
Shore Bancshares, Inc.
$18.03 $19.00 $602.7M 10.58x $0.12 2.66% 1.78x
Company Total Debt / Total Capital Beta Debt to Equity Quick Ratio
CIVB
Civista Bancshares, Inc.
40.84% 0.408 87.81% 0.00x
CZNC
Citizens & Northern Corp.
37.22% 0.740 56.63% 0.00x
FIBK
First Interstate BancSystem, Inc.
18.72% 1.240 23.98% 0.00x
PCB
PCB Bancorp
4.7% 0.406 5.14% 0.00x
PEBO
Peoples Bancorp, Inc. (Ohio)
37.88% 0.881 67.53% 0.00x
SHBI
Shore Bancshares, Inc.
19.06% 1.169 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
    CIVB
    Civista Bancshares, Inc.
    -- $0.68 $843.5M
    CZNC
    Citizens & Northern Corp.
    -- $0.42 $468.2M
  • What do Analysts Say About CIVB or CZNC?

    Civista Bancshares, Inc. has a consensus price target of $25.67, signalling upside risk potential of 9.69%. On the other hand Citizens & Northern Corp. has an analysts' consensus of $22.50 which suggests that it could grow by 9.07%. 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
    CIVB
    Civista Bancshares, Inc.
    2 3 0
    CZNC
    Citizens & Northern Corp.
    0 1 0
  • Is CIVB or CZNC More Risky?

    Civista Bancshares, Inc. has a beta of 0.701, which suggesting that the stock is 29.889% less volatile than S&P 500. In comparison Citizens & Northern Corp. has a beta of 0.571, suggesting its less volatile than the S&P 500 by 42.86%.

  • 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 2.96%. Citizens & Northern Corp. offers a yield of 5.43% 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 8.58x while Citizens & Northern Corp.'s PE ratio is 11.79x. 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 1.48x versus 1.97x 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
    CIVB
    Civista Bancshares, Inc.
    1.48x 8.58x $64.9M $12.7M
    CZNC
    Citizens & Northern Corp.
    1.97x 11.79x $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
    CIVB
    Civista Bancshares, Inc.
    -- $0.68 $843.5M
    FIBK
    First Interstate BancSystem, Inc.
    -- $0.69 $4.2B
  • What do Analysts Say About CIVB or FIBK?

    Civista Bancshares, Inc. has a consensus price target of $25.67, signalling upside risk potential of 9.69%. On the other hand First Interstate BancSystem, Inc. has an analysts' consensus of $37.00 which suggests that it could grow by 3.06%. Given that Civista Bancshares, Inc. has higher upside potential than First Interstate BancSystem, Inc., analysts believe Civista Bancshares, Inc. is more attractive than First Interstate BancSystem, Inc..

    Company Buy Ratings Hold Ratings Sell Ratings
    CIVB
    Civista Bancshares, Inc.
    2 3 0
    FIBK
    First Interstate BancSystem, Inc.
    2 3 1
  • Is CIVB or FIBK More Risky?

    Civista Bancshares, Inc. has a beta of 0.701, which suggesting that the stock is 29.889% less volatile than S&P 500. In comparison First Interstate BancSystem, Inc. has a beta of 0.824, suggesting its less volatile than the S&P 500 by 17.645%.

  • 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 2.96%. First Interstate BancSystem, Inc. offers a yield of 5.24% 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 8.58x while First Interstate BancSystem, Inc.'s PE ratio is 15.12x. 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 1.48x versus 2.67x 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
    CIVB
    Civista Bancshares, Inc.
    1.48x 8.58x $64.9M $12.7M
    FIBK
    First Interstate BancSystem, Inc.
    2.67x 15.12x $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
    CIVB
    Civista Bancshares, Inc.
    -- $0.68 $843.5M
    PCB
    PCB Bancorp
    -- $0.78 $403.5M
  • What do Analysts Say About CIVB or PCB?

    Civista Bancshares, Inc. has a consensus price target of $25.67, signalling upside risk potential of 9.69%. On the other hand PCB Bancorp has an analysts' consensus of $25.25 which suggests that it could grow by 12.62%. 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
    CIVB
    Civista Bancshares, Inc.
    2 3 0
    PCB
    PCB Bancorp
    0 3 0
  • Is CIVB or PCB More Risky?

    Civista Bancshares, Inc. has a beta of 0.701, which suggesting that the stock is 29.889% less volatile than S&P 500. In comparison PCB Bancorp has a beta of 0.519, suggesting its less volatile than the S&P 500 by 48.085%.

  • 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 2.96%. PCB Bancorp offers a yield of 3.57% 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 8.58x while PCB Bancorp's PE ratio is 9.35x. 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 1.48x versus 1.56x for PCB Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

    Company Price/Sales Ratio Price/Earnings Ratio Quarterly Revenue Quarterly Net Income
    CIVB
    Civista Bancshares, Inc.
    1.48x 8.58x $64.9M $12.7M
    PCB
    PCB Bancorp
    1.56x 9.35x $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
    CIVB
    Civista Bancshares, Inc.
    -- $0.68 $843.5M
    PEBO
    Peoples Bancorp, Inc. (Ohio)
    -- $0.83 $1.9B
  • What do Analysts Say About CIVB or PEBO?

    Civista Bancshares, Inc. has a consensus price target of $25.67, signalling upside risk potential of 9.69%. On the other hand Peoples Bancorp, Inc. (Ohio) has an analysts' consensus of $34.00 which suggests that it could grow by 10.57%. 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
    CIVB
    Civista Bancshares, Inc.
    2 3 0
    PEBO
    Peoples Bancorp, Inc. (Ohio)
    1 5 0
  • Is CIVB or PEBO More Risky?

    Civista Bancshares, Inc. has a beta of 0.701, which suggesting that the stock is 29.889% less volatile than S&P 500. In comparison Peoples Bancorp, Inc. (Ohio) has a beta of 0.670, suggesting its less volatile than the S&P 500 by 33%.

  • 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 2.96%. Peoples Bancorp, Inc. (Ohio) offers a yield of 5.3% 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 8.58x while Peoples Bancorp, Inc. (Ohio)'s PE ratio is 10.76x. 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 1.48x versus 1.76x 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
    CIVB
    Civista Bancshares, Inc.
    1.48x 8.58x $64.9M $12.7M
    PEBO
    Peoples Bancorp, Inc. (Ohio)
    1.76x 10.76x $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
    CIVB
    Civista Bancshares, Inc.
    -- $0.68 $843.5M
    SHBI
    Shore Bancshares, Inc.
    -- $0.43 $713.1M
  • What do Analysts Say About CIVB or SHBI?

    Civista Bancshares, Inc. has a consensus price target of $25.67, signalling upside risk potential of 9.69%. On the other hand Shore Bancshares, Inc. has an analysts' consensus of $19.00 which suggests that it could grow by 5.38%. 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
    CIVB
    Civista Bancshares, Inc.
    2 3 0
    SHBI
    Shore Bancshares, Inc.
    1 1 0
  • Is CIVB or SHBI More Risky?

    Civista Bancshares, Inc. has a beta of 0.701, which suggesting that the stock is 29.889% less volatile than S&P 500. In comparison Shore Bancshares, Inc. has a beta of 0.942, suggesting its less volatile than the S&P 500 by 5.756%.

  • 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 2.96%. Shore Bancshares, Inc. offers a yield of 2.66% 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 8.58x while Shore Bancshares, Inc.'s PE ratio is 10.58x. 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 1.48x versus 1.78x 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
    CIVB
    Civista Bancshares, Inc.
    1.48x 8.58x $64.9M $12.7M
    SHBI
    Shore Bancshares, Inc.
    1.78x 10.58x $84.9M $14.3M

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