ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Civista Bancshares, Inc. ?
1
High Profitability with a Net Interest Margin of 8.89%
2
Strong Long Term Fundamental Strength with a 7.43% CAGR growth in Net Profits
3
With a growth in Interest of NAN%, the company declared Very Positive results in Mar 26
- OPERATING CASH FLOW(Y) Highest at USD 53.87 MM
- ROCE(HY) Highest at 1.21%
- NII(Q) Highest at USD 37.82 MM
4
With ROA of 0.69%, it has a fair valuation with a 1.01 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 18.36%, its profits have risen by 49.6% ; the PEG ratio of the company is 0.5
5
High Institutional Holdings at 70.64%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
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.
19.24%
3.07
29.57%
S&P 500
22.93%
1.73
13.14%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
17.22%
EBIT Growth (5y)
5.00%
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
25.73%
Pledged Shares
0
Institutional Holding
70.64%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
1.01
EV to EBIT
15.49
EV to EBITDA
12.72
EV to Capital Employed
1.01
EV to Sales
3.18
PEG Ratio
0.54
Dividend Yield
NA
ROCE (Latest)
6.51%
ROE (Latest)
8.48%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend16What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 53.87 MM
ROCE(HY)
Highest at 1.21%
NII(Q)
Highest at USD 37.82 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
OPERATING PROFIT(Q)
Highest at USD 17.98 MM
OPERATING PROFIT MARGIN(Q)
Highest at 32.21 %
PRE-TAX PROFIT(Q)
Highest at USD 18.01 MM
NET PROFIT(Q)
Highest at USD 14.96 MM
EPS(Q)
Highest at USD 0.72
-3What is not working for the Company
ROCE(HY)
Lowest at 1.21%
CREDIT DEPOSIT RATIO(HY)
Lowest at 92.23%
Here's what is working for Civista Bancshares, Inc.
Operating Cash Flow
Highest at USD 53.87 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)
NII
Highest at USD 37.82 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Operating Profit
Highest at USD 17.98 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 32.21 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 18.01 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 14.96 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.72
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Here's what is not working for Civista Bancshares, Inc.
Credit Deposit Ratio
Lowest at 92.23%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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