Civista Bancshares, Inc. (CIVB) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Financial Institutions, Inc.

Fidelity D&D Bancorp, Inc.

Bridgewater Bancshares, Inc.

ACNB Corp.

First Bank (Hamilton, New Jersey)

John Marshall Bancorp, Inc.

Citizens & Northern Corp.

Civista Bancshares, Inc.

West Bancorporation, Inc.

First Business Financial Services, Inc.

Home Bancorp, Inc.

Why is Civista Bancshares, Inc. ?

High Profitability with a Net Interest Margin of 8.91%

Strong Long Term Fundamental Strength with a 7.41% CAGR growth in Net Profits

Flat results in Dec 25

OPERATING CASH FLOW(Y) Lowest at USD 33.66 MM
CREDIT DEPOSIT RATIO(HY) Lowest at 94.33%
EPS(Q) Lowest at USD 0.61

With ROA of 0.68%, it has a fair valuation with a 1.20 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 15.95%, its profits have risen by 20.9% ; the PEG ratio of the company is 0.6

High Institutional Holdings at 71.07%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 8.96% over the previous quarter.

Real-Time Research Report

Verdict Report

How 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.

15.95%

1.85

31.67%

S&P 500

20.12%

1.04

19.28%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

17.22%

EBIT Growth (5y)

5.81%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

25.76%

Pledged Shares

Institutional Holding

71.07%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.20

EV to EBIT

25.85

EV to EBITDA

19.24

EV to Capital Employed

1.10

EV to Sales

4.11

PEG Ratio

0.60

Dividend Yield

ROCE (Latest)

4.26%

ROE (Latest)

9.64%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bearish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Dow Theory

Mildly Bearish

OBV

Mildly Bearish

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

7What is working for the Company

NII(Q)

Highest at USD 36.45 MM

DIVIDEND PAYOUT RATIO(Y)

Highest at 27.96%

NET PROFIT(9M)

Higher at USD 35.89 MM

DIVIDEND PER SHARE(HY)

Highest at USD 0

-5What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 33.66 MM

CREDIT DEPOSIT RATIO(HY)

Lowest at 94.33%

EPS(Q)

Lowest at USD 0.61

Here's what is working for Civista Bancshares, Inc.

NII

Highest at USD 36.45 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Net Profit

At USD 35.89 MM has Grown at 45.51%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is positive

Net Profit (USD MM)

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Net Profit

Higher at USD 35.89 MM

than preceding 12 month period ended Dec 2025

MOJO Watch

In the nine month period the company has already crossed sales of the previous twelve months

Net Profit (USD MM)

Dividend Payout Ratio

Highest at 27.96%

in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

CASA

Highest at 14.51%

in the last five periods

MOJO 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 (%)

Here's what is not working for Civista Bancshares, Inc.

Operating Cash Flow

Lowest at USD 33.66 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

EPS

Lowest at USD 0.61

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (USD)

Credit Deposit Ratio

Lowest at 94.33%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)