Civista Bancshares, Inc. (CIVB)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Civista Bancshares, Inc. (CIVB) trades at $28.24 with AI Score 56/100 (Grade B). Civista Bancshares, Inc. is a financial holding company operating Civista Bank, providing community banking services across Ohio, Indiana, and Kentucky. Market cap: $586.87M, Sector: Financial services.
Price live · AI analysis from May 10, 2026CIVB stock analysis for 2026: Analysts have set a consensus price target of $27.00 for Civista Bancshares, Inc., suggesting 4.4% downside from the current price of $28.24. The AI MoonshotScore is 56/100, indicating a neutral outlook. Key factors: analyst coverage, AI-driven quantitative scoring.
CIVB: 6/7 perspectives are bullish. Dominant signal: Ken Griffin bullish.
How is this calculated? →Civista Bancshares, Inc. (CIVB) Financial Services Profile
Civista Bancshares, Inc., established in 1884, operates as a community-focused bank across Ohio, Indiana, and Kentucky, providing diverse financial services including commercial lending and wealth management. With a market capitalization of $586.87M, it distinguishes itself through a strong regional presence and a commitment to local economic development.
What Is the Investment Thesis for CIVB?
Civista Bancshares presents a compelling investment case rooted in its strong regional presence, diversified loan portfolio, and consistent profitability. With a P/E ratio of 8.6 and a profit margin of 20.6%, Civista demonstrates financial stability and efficient operations. The company's dividend yield of 2.80% offers an attractive income stream for investors. Growth catalysts include strategic expansion within its existing geographic footprint and increased adoption of digital banking services. However, potential risks include interest rate sensitivity and competition from larger regional and national banks. Civista's focus on community banking and personalized service positions it well to capitalize on the growing demand for local financial institutions. The company's long-standing history and experienced management team further enhance its investment appeal.
Based on FMP financials and quantitative analysis
CIVB Key Highlights
- Market capitalization of $586.87M, reflecting a solid valuation in the regional banking sector.
- P/E ratio of 8.6, indicating a potentially undervalued stock compared to industry peers.
- Profit margin of 20.6%, showcasing efficient operations and strong profitability.
- Gross margin of 67.2%, highlighting the effectiveness of Civista's service offerings.
- Dividend yield of 2.80%, providing an attractive income stream for investors.
Who Are CIVB's Competitors?
CIVB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| HBNC Horizon Bancorp, Inc. | $19.88 | +0.52% | $1.02B | 37 |
| KEY KeyCorp | $23.35 | +1.43% | $25.20B | 95 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| ASBA Associated Banc-Corp | $24.53 | +0.25% | $4.05B | 67 |
| CBTN Citizens Bancorp Investment, Inc. | $35.01 | +0.00% | $207.30M | 63 |
| BUSE First Busey Corporation | $29.58 | -0.25% | $2.50B | 63 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CIVB's Key Strengths?
- Strong regional presence and brand recognition.
- Diversified loan portfolio.
- Experienced management team.
- Consistent profitability.
What Are CIVB's Weaknesses?
- Limited geographic footprint compared to larger banks.
- Reliance on traditional banking services.
- Sensitivity to interest rate fluctuations.
- Smaller scale may limit investment in technology.
What Could Drive CIVB Stock Higher?
- Potential interest rate hikes by the Federal Reserve could increase net interest margin.
- Continued expansion of digital banking services to attract new customers.
- Strategic acquisitions of smaller community banks to expand market share.
- Growth in the local economies of Ohio, Indiana, and Kentucky.
What Are the Key Risks for CIVB?
- Financial-distress signal — its Altman Z-Score of 0.27 sits in the distress zone (elevated bankruptcy risk).
- Economic downturns could negatively impact loan demand and credit quality.
- Increased competition from larger regional and national banks.
- Disruptive technologies from fintech companies.
- Regulatory changes impacting the banking industry.
- Interest rate fluctuations affecting net interest margin.
What Are the Growth Opportunities for CIVB?
- Expansion within Existing Markets: Civista has the opportunity to expand its presence within its existing markets in Ohio, Indiana, and Kentucky. By opening new branches and increasing its marketing efforts, Civista can attract new customers and increase its market share. The market for community banking services in these regions is estimated to be worth several billion dollars, providing ample room for growth. This expansion strategy can be implemented over the next 3-5 years, leveraging Civista's existing infrastructure and brand recognition.
- Increased Adoption of Digital Banking: Civista can drive growth by increasing the adoption of its digital banking services. By investing in new technologies and improving the user experience, Civista can attract younger customers and reduce its operating costs. The market for digital banking services is growing rapidly, with an estimated market size of $10 billion. This initiative can be rolled out over the next 2-3 years, enhancing Civista's competitiveness and efficiency.
- Strategic Acquisitions: Civista can pursue strategic acquisitions of smaller community banks in its target markets. This would allow Civista to expand its geographic footprint and increase its asset base. The market for community bank acquisitions is active, with numerous opportunities available. This strategy can be implemented over the next 3-5 years, driving significant growth and market consolidation.
- Enhanced Wealth Management Services: Civista can enhance its wealth management services to attract high-net-worth individuals and families. By offering a wider range of investment products and financial planning services, Civista can increase its fee income and improve its profitability. The market for wealth management services is growing, with an estimated market size of $5 billion. This enhancement can be implemented over the next 2-3 years, diversifying Civista's revenue streams.
- Focus on Small Business Lending: Civista can focus on expanding its small business lending activities. By providing tailored loan products and personalized service, Civista can attract small business owners and contribute to local economic growth. The market for small business lending is significant, with an estimated market size of $8 billion. This focus can be implemented over the next 2-3 years, strengthening Civista's community ties and driving loan growth.
What Opportunities Does CIVB Have?
- Expansion within existing markets.
- Increased adoption of digital banking.
- Strategic acquisitions of smaller banks.
- Enhanced wealth management services.
What Threats Does CIVB Face?
- Competition from larger regional and national banks.
- Disruptive technologies from fintech companies.
- Economic downturns affecting loan demand and credit quality.
- Regulatory changes impacting the banking industry.
What Are CIVB's Competitive Advantages?
- Strong regional presence and brand recognition in its markets.
- Long-standing customer relationships built on trust and personalized service.
- Deep understanding of local market dynamics and community needs.
- Conservative lending practices and risk management.
What Does CIVB Do?
Civista Bancshares, Inc., founded in 1884 and headquartered in Sandusky, Ohio, operates as the financial holding company for Civista Bank. Originally known as First Citizens Banc Corp, the company rebranded to Civista Bancshares, Inc. in May 2015, reflecting its commitment to community banking. Civista Bank provides a comprehensive suite of financial services, including collecting customer deposits and offering a variety of loan products such as commercial and agriculture loans, commercial and residential real estate loans, farm real estate loans, real estate construction loans, and consumer loans. Additionally, the bank offers letters of credit, purchases securities, and provides trust and third-party insurance services. Civista Bancshares operates approximately 42 locations across Northern, Central, Southwestern, and Northwestern Ohio, as well as Southeastern Indiana and Northern Kentucky. This regional focus allows Civista to tailor its services to the specific needs of the communities it serves, fostering strong customer relationships and contributing to local economic growth. The bank's long history and established presence in these markets provide a stable foundation for continued expansion and profitability. Civista's strategy emphasizes personalized service and local decision-making, differentiating it from larger national banks. The company's commitment to its communities is reflected in its active involvement in local initiatives and its support for small businesses and individuals.
What Products and Services Does CIVB Offer?
- Collect customer deposits through various account types.
- Offer commercial and agriculture loans to businesses.
- Provide commercial and residential real estate loans.
- Offer farm real estate loans for agricultural purposes.
- Provide real estate construction loans for development projects.
- Offer consumer loans for personal needs.
- Issue letters of credit to facilitate transactions.
- Purchase securities as part of its investment strategy.
How Does CIVB Make Money?
- Generates revenue through interest income from loans.
- Earns fees from trust and third-party insurance services.
- Profits from the spread between deposit interest paid and loan interest earned.
- Manages risk through diversification of loan portfolio and investment strategies.
What Industry Does CIVB Operate In?
Civista Bancshares operates within the regional banking sector, which is characterized by increasing consolidation and technological disruption. The market is driven by factors such as interest rate fluctuations, regulatory changes, and economic growth. Competition is intense, with regional banks vying for market share against larger national banks and emerging fintech companies. Civista's focus on community banking and personalized service allows it to differentiate itself in this competitive landscape. The regional banking sector is expected to experience moderate growth, driven by increased demand for local financial services and small business lending. Civista's established presence in its markets positions it well to capitalize on these trends.
Who Are CIVB's Key Customers?
- Small and medium-sized businesses in Ohio, Indiana, and Kentucky.
- Individual consumers seeking personal banking services.
- Farmers and agricultural businesses requiring financing.
- Real estate developers and investors.
FY2026 estForward Outlook
Wall Street analysts project Civista Bancshares, Inc. revenue of about $195.2M for fiscal 2026, with EPS near $2.83. The estimate reflects 3 contributing analysts.
F-Score 7/9Financial Health
Civista Bancshares, Inc.'s Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 0.27 places it in the distress zone, a signal of elevated financial risk.
ROE 10%Key Financial Metrics
Return on equity for Civista Bancshares, Inc. stands at 10.2%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.2%, showing how much profit it generates from its asset base. CIVB trades at a trailing price-to-earnings ratio of 8.64, below the Financial Services sector average of ~18x. Its free cash flow yield is 8.8%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.98 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 9.0%, the inverse of the P/E and a quick read on earnings relative to price.
Civista Bancshares, Inc. (CIVB) Valuation Context
Valued at $586.87M, CIVB is classified as a small-cap stock. Relative to its peer group, CIVB's quantitative score of 56/100 is below the peer average of 68/100.
CIVB Revenue & Earnings Trend
In Q1 2026, CIVB generated $55.8M in top-line revenue, marking a sequential decrease of 15.0%. The company recorded net income of $15.0M, with diluted EPS of $0.72. Quarter-over-quarter revenue has been mixed, typical for a small-cap company operating in Financial Services. Across the four most recent quarters, CIVB averaged $0.68 in diluted EPS.
Company Profile
Civista Bancshares, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Sandusky, US. The company is led by CEO Dennis G. Shaffer. CIVB has traded publicly since 1994.
CIVB Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Civista's recent insider buying suggests confidence from those who know the company best.
- The community sentiment seems generally positive, hinting at strong support for the company's direction.
- Civista's solid community bank reputation resonates well in the current market environment. Think of it like a smaller-scale version of how regional banks with strong local ties fared relatively well during past market uncertainties.
- There's a perception that Civista is undervalued, leading to increased interest from value investors.
Bear Case
- Recent market volatility has created an environment of uncertainty, impacting even fundamentally sound companies like Civista.
- Some community members express concern about the bank's exposure to specific sectors, mirroring anxieties seen with other regional banks facing sector-specific headwinds.
- There's a growing narrative that smaller banks might face increased regulatory scrutiny, potentially affecting Civista's operational costs.
- While insider buying is positive, some interpret it as a move to stabilize the stock price amidst broader market concerns, similar to what happened with some companies during the initial COVID-19 market downturn.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $56M | $15M | $0.72 |
| Q4 2025 | $66M | $12M | $0.61 |
| Q3 2025 | $64M | $13M | $0.68 |
| Q2 2025 | $62M | $11M | $0.71 |
Based on FMP financials and quantitative analysis
CIVB Latest News
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Earnings Scheduled For January 29, 2026
benzinga · Jan 29, 2026
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Stocks That Hit 52-Week Lows On Tuesday
· Mar 24, 2020
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Stocks That Hit 52-Week Lows On Friday
· Feb 28, 2020
CIVB Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CIVB.
Price Targets
Consensus target: $27.00
CIVB MoonshotScore
What does this score mean?
The MoonshotScore rates CIVB's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Dennis G. Shaffer
CEO
Dennis G. Shaffer serves as the CEO of Civista Bancshares, Inc., leading the company's strategic direction and overseeing its operations. He has extensive experience in the banking industry, with a background in commercial lending and financial management. Shaffer's leadership has been instrumental in driving Civista's growth and expanding its presence in key markets. His expertise in community banking and his commitment to customer service have contributed to Civista's success.
Track Record: Under Dennis G. Shaffer's leadership, Civista Bancshares has achieved significant milestones, including the successful integration of acquired banks and the implementation of new technologies to enhance customer experience. He has also overseen the expansion of Civista's loan portfolio and the improvement of its financial performance. Shaffer's strategic decisions have positioned Civista as a leading community bank in its markets.
Common Questions About CIVB (Financial Services)
What does Civista Bancshares, Inc. do?
Civista Bancshares, Inc. operates as the financial holding company for Civista Bank, providing community banking services to individuals and businesses across Northern, Central, Southwestern, and Northwestern Ohio, as well as Southeastern Indiana and Northern Kentucky. The bank offers a range of financial products and services, including deposit accounts, commercial and agriculture loans, real estate loans, consumer loans, and trust services. Civista focuses on building strong customer relationships and supporting local economic development through its community-focused approach.
What do analysts say about CIVB stock?
Analyst coverage of Civista Bancshares, Inc. (CIVB) typically focuses on its financial performance, growth prospects, and competitive positioning within the regional banking sector. Key valuation metrics such as P/E ratio, profit margin, and dividend yield are closely monitored. Analysts consider Civista's ability to grow its loan portfolio, manage its interest rate risk, and adapt to technological changes in the banking industry. Consensus estimates often reflect expectations for moderate revenue and earnings growth, driven by strategic expansion and improved efficiency. However, potential risks such as economic downturns and increased competition are also taken into account.
What are the main risks for CIVB?
Civista Bancshares, Inc. faces several key risks, including economic downturns that could negatively impact loan demand and credit quality. Increased competition from larger regional and national banks, as well as disruptive technologies from fintech companies, also pose a threat. Regulatory changes impacting the banking industry could increase compliance costs and limit profitability. Additionally, interest rate fluctuations could affect Civista's net interest margin, impacting its earnings. Effective risk management and strategic adaptation are crucial for mitigating these challenges.
How sensitive is CIVB to interest rate changes?
Civista Bancshares, Inc.'s profitability is sensitive to interest rate changes, as its net interest margin (NIM) is affected by fluctuations in interest rates. A rising interest rate environment can potentially increase CIVB's NIM if the yield on its assets (loans and securities) increases more than the cost of its liabilities (deposits). Conversely, a falling interest rate environment can compress the NIM. CIVB actively manages its interest rate risk through various strategies, including adjusting the composition of its loan portfolio and using hedging instruments. However, significant and unexpected interest rate movements can still impact CIVB's financial performance.
How is Civista Bancshares, Inc. adapting to fintech disruption?
Civista Bancshares, Inc. is adapting to fintech disruption by investing in digital banking technologies and enhancing its online and mobile banking platforms. This allows Civista to offer convenient and efficient services to its customers, attracting younger demographics and competing with fintech companies. Civista is also exploring partnerships with fintech firms to offer innovative products and services, such as online lending and mobile payments. By embracing digital transformation, Civista aims to maintain its competitiveness and meet the evolving needs of its customers in the face of fintech disruption.
What are the key factors to evaluate for CIVB?
Civista Bancshares, Inc. (CIVB) holds an AI score of 56/100 (moderate). P/E: 8.6x vs the S&P 500's ~20-25x. Analysts target $27.00 (-4%). Not financial advice.
How frequently does CIVB data refresh on this page?
CIVB prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven CIVB's recent stock price performance?
Civista Bancshares, Inc. (CIVB) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong regional presence and brand recognition. See the News tab for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- The information provided is based on available data and is subject to change.
- Investment decisions should be based on individual risk tolerance and financial circumstances.