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Civista Bancshares, Inc.

CIVB • Banks - Regional
$27.77
▲ +0.20 (+0.73%)
Current price
EarningsLatest report: Jun 30, 2026
FAVORABLE PROFILEAttractiveConfidence: 70%

Quantitative profile — not an investment recommendation.

Quantitative profile — not an investment recommendation.Methodology
Analysis thesis: Strong business quality with supportive growth and cash-flow evidence. Valuation still matters, but the historical ratio profile is favorable.
Market Cap
$595.86M
Growth
4.3%
Cash Flow
5/5
Trend
Stable
Evidence
Stable or improving margins · 18.1%Positive revenue growth · 13.6%Positive free cash flow · 2.41Consistent free cash flow · 5/5Reasonable earnings multiple · 8.42
Financial data as of: Jun 30, 2026, 12:00 AM UTCLast earnings update: Jun 30, 2026, 12:00 AM UTCLast profile update: Aug 7, 2026, 1:23 PM UTC

Company Snapshot

Key valuation, quality, financial strength, momentum and analyst data.

Price$27.77
Change0.73%
Market Cap$595.86M
52W Range19.01 - 29.97
Beta0.66
Gross Margin66.35%
Oper. Margin21.66%
Profit Margin18.13%
Debt/Eq0.52
Current Ratio0.11
Quick Ratio0.11
Revenue 5Y4.32%

Investment DNA

How strong this company looks for long-term investors

74
out of 100
Business Quality
Margins, moat, returns
74/100
Financial Strength
Debt, cash, stability
36/100
Growth Potential
Revenue and expansion
60/100
Price Attractiveness
Cheap or expensive today
90/100
Why this score▼
Stable or improving margins · 18.1%Positive revenue growth · 13.6%Positive free cash flow · 2.41Consistent free cash flow · 5/5Reasonable earnings multiple · 8.42Manageable debt level · 0.52

Analyst view

Analyst sentiment and price target

Analyst sentiment
No vote count available
Bullish
0
Hold
0
Bearish
0
Price Target
2026-08-07
Low
$31.00
Mean
$32.00
Median
$32.00
High
$33.00

Company Overview

IPO: 4/6/1994
Industry: Banks - Regional
P/B i: 0.72
Debt / Equity i: 0.52
Operating Margin: 21.66%
Net Margin: 18.13%
ROE i: -
ROIC: -

Financial Health

Score7 / 20
Debt / Equity: 0.52
Current Ratio: 0.11
Quick Ratio: 0.11
Status: Weak

Warnings

  • Weak Liquidity
  • Weak quick ratio

Insider Transactions

Recent executive and insider activity

Macioce Mark J.
Transaction: 07/29/2026
SELL
Change
—
Price
$29.48
Filing
07/29/2026
Type
SELL
Singer Harry
Transaction: 06/08/2026
BUY
Change
+1,210
Price
Not reported
Filing
06/10/2026
Type
BUY
Macioce Mark J.
Transaction: 06/08/2026
BUY
Change
+1,210
Price
Not reported
Filing
06/10/2026
Type
BUY