ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Civista Bancshares, Inc. ?
1
High Profitability with a Net Interest Margin of 8.77%
2
Strong Long Term Fundamental Strength with a 5.44% CAGR growth in Net Profits
3
Positive results in Jun 25
- OPERATING CASH FLOW(Y) Highest at USD 44.71 MM
- NII(Q) Highest at USD 34.81 MM
- DIVIDEND PER SHARE(HY) Highest at USD 0
4
With ROA of 0.62%, it has a fair valuation with a 1.02 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -1.64%, its profits have fallen by -0.8%
5
High Institutional Holdings at 59.35%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
6
Underperformed the market in the last 1 year
- Even though the market (S&P 500) has generated returns of 12.33% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -1.64% returns
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Civista Bancshares, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Civista Bancshares, Inc. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Civista Bancshares, Inc.
1.8%
1.93
32.59%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
17.09%
EBIT Growth (5y)
3.96%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
31.76%
Pledged Shares
0
Institutional Holding
59.35%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
1.02
EV to EBIT
24.51
EV to EBITDA
17.72
EV to Capital Employed
1.01
EV to Sales
3.48
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
4.13%
ROE (Latest)
8.75%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
Bearish
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend22What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 44.71 MM
NII(Q)
Highest at USD 34.81 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 56.27 MM
OPERATING PROFIT(Q)
Highest at USD 12.97 MM
OPERATING PROFIT MARGIN(Q)
Highest at 23.05 %
PRE-TAX PROFIT(Q)
Highest at USD 12.9 MM
NET PROFIT(Q)
Highest at USD 10.97 MM
EPS(Q)
Highest at USD 0.71
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Civista Bancshares, Inc.
NII
Highest at USD 34.81 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at USD 44.71 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 56.27 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (USD MM)
Operating Profit
Highest at USD 12.97 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 23.05 % and Grown
In each period in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 12.9 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 10.97 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
EPS
Highest at USD 0.71
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Depreciation
At USD 3.15 MM has Grown at 45.45%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (USD MM)
CASA
Highest at 11.2%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
