Civista Bancshares, Inc.

Is Civista Bancshares, Inc. overvalued or undervalued?

As of June 30, 2025, Civista Bancshares, Inc. is fairly valued with a P/E ratio of 12, but despite recent outperformance over the past year, it has underperformed the S&P 500 over the last three years, raising concerns about its growth potential relative to broader market indices.

As of 30 June 2025, the valuation grade for Civista Bancshares, Inc. moved from expensive to fair, indicating a more favorable assessment of its stock. The company appears fairly valued based on its current metrics, with a P/E ratio of 12, a Price to Book Value of 1.02, and an EV to EBITDA of 17.72. In comparison to its peers, ACNB Corp. has a P/E of 13.51, while Bridgewater Bancshares, Inc. shows a P/E of 11.97, suggesting that Civista is positioned competitively within the regional banks sector.<BR><BR>Despite its fair valuation, Civista has underperformed relative to the S&P 500 over the longer term, with a 3-year return of 3.15% compared to the S&P 500's 70.41%, although it has outperformed in the last year with a return of 20.34% versus 17.14% for the index. This mixed performance indicates that while the stock may be fairly valued, its growth potential relative to broader market indices remains a concern.

Is Civista Bancshares, Inc. technically bullish or bearish?

As of September 4, 2025, Civista Bancshares, Inc. shows a mildly bearish trend due to negative signals from technical indicators, despite recent outperformance against the S&P 500 over the past week and month.

As of 4 September 2025, the technical trend for Civista Bancshares, Inc. has changed from mildly bullish to mildly bearish. The current stance is mildly bearish, driven by bearish signals in the weekly MACD, KST, and Bollinger Bands, alongside mildly bearish moving averages and OBV. The Dow Theory indicates a mixed view with a mildly bullish weekly signal but a mildly bearish monthly signal. <BR><BR>In terms of performance, the stock has outperformed the S&P 500 over the past week and month, returning 1.14% and 7.09% respectively, but has underperformed over longer time frames, particularly the 3-year and 5-year periods.

How big is Civista Bancshares, Inc.?

As of Jun 18, Civista Bancshares, Inc. has a market capitalization of 399.51 million and total assets of 4,098.47 million, with shareholder's funds at 388.50 million.

As of Jun 18, Civista Bancshares, Inc. has a market capitalization of 399.51 million, categorizing it as a Micro Cap company.<BR><BR>As of Jun 18, the sum of interest earned for the latest four quarters is 210.29 million, while the sum of net profit for the same period is 34.79 million.<BR><BR>As of Dec 24, the reporting period shows shareholder's funds at 388.50 million and total assets amounting to 4,098.47 million.

What does Civista Bancshares, Inc. do?

Civista Bancshares, Inc. is a financial holding company focused on community banking, with a market cap of $399.51 million and a recent net profit of $10 million. Key metrics include a P/E ratio of 12.00 and a return on equity of 8.75%.

Overview: <BR>Civista Bancshares, Inc. is a financial holding company engaged in community banking within the Regional Banks industry.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 54 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 10 Million (Quarterly Results - Mar 2025) <BR>Market cap: USD 399.51 Million (Micro Cap)<BR><BR>Key Metrics: <BR>P/E: 12.00 <BR>Dividend Yield: 0.00% <BR>Debt Equity: 0.00 <BR>Return on Equity: 8.75% <BR>Price to Book: 1.01<BR><BR>Contact Details: <BR>Address: 100 E Water St, PO Box 5016 SANDUSKY OH : 44870-2524 <BR>Tel: 1 419 6254121 <BR>Fax: 1 419 6273359 <BR>Website: http://www.fcza.com/

Should I buy, sell or hold Civista Bancshares, Inc.?

Who are in the management team of Civista Bancshares, Inc.?

As of March 2022, the management team of Civista Bancshares, Inc. includes Chairman James Miller, CEO Dennis Shaffer, Lead Independent Director Dennis Murray, and Independent Directors Thomas Depler, Julie Mattlin, Allen Nickles, and Mary Oliver.

As of March 2022, the management team of Civista Bancshares, Inc. includes the following individuals:<BR><BR>- Mr. James Miller, Chairman of the Board<BR>- Mr. Dennis Shaffer, President, Chief Executive Officer, and Director<BR>- Mr. Dennis Murray, Lead Independent Director<BR>- Mr. Thomas Depler, Independent Director<BR>- Ms. Julie Mattlin, Independent Director<BR>- Mr. Allen Nickles, Independent Director<BR>- Ms. Mary Oliver, Independent Director<BR><BR>These individuals play key roles in the governance and leadership of the company.