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    C

    Civista Bancshares Inc (CIVB)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $26.85
    +0.39 (+1.47%)

    Market Cap: $554.79M

    Last updated: Oct 16, 2026 at 1:54 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    79%(31/39)
    Avg Surprise
    +10.74%
    Streak
    9 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.70
    Range$0.68 - $0.71
    6 analysts
    EPS RevisionsNo revisions (7d)
    2
    3
    30d
    EPS Estimate DriftChange to current
    90d ago$0.70-0.7%
    60d ago$0.69+0.2%
    30d ago$0.69+0.2%
    7d ago$0.700.0%
    Current$0.70
    Revenue Consensus
    $49M
    Range$48M - $49M
    4 analysts
    Period ending Dec 31, 2026
    EPS Consensus$0.91
    Range$0.88 - $0.93
    6 analysts
    Revenue Consensus
    $51M
    Range$50M - $53M
    4 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.91---
    Sep 26EST
    		-$0.70---
    Jun 26
    Reported Jul 23
    		$0.69$0.67+2.99%Beat-2.8%
    Mar 26
    Reported Apr 22
    		$0.74$0.57+29.82%Beat+12.1%
    Dec 25
    Reported Jan 29
    		$0.75$0.62+20.97%Beat+19.0%
    Sep 25
    Reported Oct 23
    		$0.71$0.59+20.34%Beat+34.0%
    Jun 25
    Reported Jul 24
    		$0.71$0.70+1.43%Beat+57.8%
    Mar 25
    Reported Apr 24
    		$0.66$0.52+26.92%Beat+61.0%
    Dec 24
    Reported Jan 30
    		$0.63$0.53+18.87%Beat+1.6%
    Sep 24
    Reported Oct 29
    		$0.53$0.44+20.45%Beat-19.7%
    Jun 24
    Reported Jul 29
    		$0.45$0.39+15.38%Beat-29.7%
    Mar 24
    Reported Apr 30
    		$0.41$0.46-10.87%Miss-50.0%
    Dec 23
    Reported Feb 8
    		$0.62$0.58+6.90%Beat-19.5%
    Sep 23
    Reported Oct 27
    		$0.66$0.61+8.20%Beat-8.3%
    Jun 23
    Reported Jul 28
    		$0.64$0.72-11.11%Miss+20.8%
    Mar 23
    Reported Apr 28
    		$0.82$0.81+1.23%Beat+43.9%
    Dec 22
    Reported Feb 7
    		$0.77$0.75+2.67%Beat+5.5%
    Sep 22
    Reported Oct 27
    		$0.72$0.61+18.03%Beat+12.5%
    Jun 22
    Reported Jul 28
    		$0.53$0.54-1.85%Miss-10.2%
    Mar 22
    Reported Apr 28
    		$0.57$0.63-9.52%Miss-16.2%
    Dec 21
    Reported Feb 4
    		$0.73$0.59+23.73%Beat+14.1%
    Sep 21
    Reported Oct 27
    		$0.64$0.62+3.23%Beat+33.3%
    Jun 21
    Reported Jul 23
    		$0.59$0.63-6.35%Miss+43.9%
    Mar 21
    Reported Apr 23
    		$0.68$0.68+0.00%Beat+44.7%
    Dec 20
    Reported Feb 5
    		$0.64$0.44+45.45%Beat+36.2%
    Sep 20
    Reported Oct 23
    		$0.48$0.35+37.14%Beat+4.3%
    Jun 20
    Reported Jul 24
    		$0.41$0.24+70.83%Beat-19.6%
    Mar 20
    Reported Apr 24
    		$0.47$0.48-2.08%Miss-17.5%
    Dec 19
    Reported Feb 7
    		$0.47$0.48-2.08%Miss-4.1%
    Sep 19
    Reported Oct 25
    		$0.46$0.46+0.00%Beat+24.3%
    Jun 19
    Reported Jul 26
    		$0.51$0.48+6.25%Beat+15.9%
    Mar 19
    Reported May 3
    		$0.57$0.56+1.79%Beat+3.6%
    Dec 18
    Reported Feb 15
    		$0.49$0.42+16.67%Beat+32.4%
    Sep 18
    Reported Nov 2
    		$0.37$0.36+2.78%Beat+27.6%
    Jun 18
    Reported Jul 27
    		$0.44$0.40+10.00%Beat+51.7%
    Mar 18
    Reported Apr 27
    		$0.55$0.47+17.02%Beat+37.5%
    Dec 17
    Reported Jan 26
    		$0.37$0.29+27.59%Beat+12.1%
    Sep 17
    Reported Oct 27
    		$0.29$0.29+0.00%Beat-
    Jun 17
    Reported Jul 28
    		$0.29$0.32-9.38%Miss-
    Mar 17
    Reported Apr 28
    		$0.40$0.38+5.26%Beat-
    Dec 16
    Reported Mar 15
    		$0.33$0.30+10.00%Beat-

    Dividends

    Dividend Metrics

    Forward Yield2.68%
    Forward Annual Dividend$0.72
    Payout Ratio27.17%
    Pay MonthsFeb, May, Aug, Nov

    Growth

    3Y CAGR+6.69%
    5Y CAGR+9.10%
    CIVB dividend history and ex-dividend datesRun CIVB in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio9.29EV/EBITDA10.73x
    Price/FCF9.93xFCF Yield10.08%
    Profitability
    Profit Margin29.60%Operating Margin39.90%
    ROE11.20%ROIC6.81%
    Financial Health
    Debt/Equity0.41xInterest Coverage0.86x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.65Avg Volume127.53K
    52-Week High$29.6052-Week Low$19.28

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$26.72
    SMA 20$26.77
    SMA 50$27.34
    SMA 200$25.38
    EMA 10$26.70
    EMA 20$26.82
    EMA 50$27.11
    EMA 200$25.61

    MACD

    Line: -0.19Signal: -0.22Hist: 0.03

    ADX

    ADX: 24.4+DI: 20.1-DI: 21.4

    Aroon & PSAR

    Aroon Up8.0
    Aroon Down60.0
    PSAR$26.02

    Bollinger Bands

    Upper Band$27.28
    Lower Band$26.27
    %B Position380%(Upper)
    Band Width0.57

    RSI (14-Day)

    Neutral
    48.8

    Momentum Oscillators

    Stoch %K47.8
    Stoch %D45.5
    Williams %R-40.4
    ROC (10d)1.1%
    Momentum0.28
    CCI (20d)7.1
    MFI (14d)38.3

    Volatility Measures

    ATR (14d)$0.56(2.1%)
    StdDev (20d)0.25
    Hist Vol17.1%(Low)

    Volume Flow

    VWAP$26.80
    OBV1.3M
    AD Line-39.2M
    CMF (20d)0.101

    Volume Metrics

    Avg Vol (20d)129.2K
    Vol Ratio0.8x
    VWMA (20d)$26.87

    Pivot Points

    R3$27.29
    R2$27.00
    R1$26.73
    Pivot Point$26.44
    S1$26.17
    S2$25.88
    S3$25.61

    Advanced Oscillators

    TSI-12.42
    Ultimate Osc53.3
    KST-25.52

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$47.60M$47.25M$46.34M$44.18M$41.40M$40.63M$40.37M$39.33M$38.13M$36.63M$38.87M$39.63M
    Cost of RevenueN/A$17.99M$19.88M$20.89M$22.48M$22.53M$22.57M$24.53M$24.50M$23.75M$24.35M$15.86M
    Gross ProfitN/A$37.82M$45.75M$42.91M$39.70M$38.49M$39.00M$37.28M$36.01M$34.01M$35.94M$38.25M
    Operating Expenses$28.65M$29.87M$31.00M$28.33M$27.48M$27.13M$28.30M$28.39M$28.39M$27.44M$25.91M$26.62M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$8.58M$14.75M$15.65M$12.90M$11.94M$11.38M$9.92M$8.08M$7.20M$11.24M$12.25M
    Interest Income$56.55M$55.81M$55.74M$55.24M$56.27M$53.73M$53.23M$52.74M$50.59M$50.13M$48.60M$46.60M
    Interest Expense$17.95M$17.99M$19.29M$20.70M$21.46M$20.96M$21.88M$23.51M$22.84M$21.76M$18.55M$15.10M
    Income Before Tax$17.18M$18.01M$14.75M$15.65M$12.90M$11.94M$11.38M$9.92M$8.08M$7.20M$11.24M$12.25M
    Income Tax Expense$2.86M$3.02M$2.48M$2.89M$1.88M$1.77M$1.49M$1.55M$1.02M$835,000$1.58M$1.86M
    Net Income$14.31M$14.99M$12.27M$12.76M$11.02M$10.17M$9.89M$8.37M$7.06M$6.36M$9.65M$10.39M
    EBITDA$17.87M$18.71M$15.32M$15.97M$13.23M$12.27M$11.74M$10.28M$8.45M$7.59M$11.24M$12.25M
    EBIT$17.18M$18.01M$14.75M$15.65M$12.90M$11.94M$11.38M$9.92M$8.08M$7.20M$11.24M$12.25M
    * Some calculated fields are derived from available data when not provided by source

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    News

    Six analysts keep USD 30.25 target for Civista Bancshares stock

    Six analysts have maintained a "Moderate Buy" consensus and an average price target of USD 30.25 for Civista Bancshares (CIVB)...

    ad-hoc-news.de•10/15/26•Somewhat-Bullish

    Other financing cash flow items (total) of Civista Bancshares, Inc. – NASDAQ:CIVB

    This article focuses on the "Other financing cash flow items (total)" for Civista Bancshares, Inc. (NASDAQ:CIVB), providing financial data. It indicates the stock is listed on the Nasdaq Stock Market...

    TradingView•10/15/26•Neutral

    Civista Bancshares (CIVB) Set to Post Quarterly Earnings on Thursday

    Civista Bancshares (NASDAQ:CIVB) is scheduled to release its Q3 2026 earnings before market open on Thursday, October 22nd. Analysts anticipate earnings of $0.697 per share and revenues of $48.78 million. The company has...

    MarketBeat•10/15/26•Somewhat-Bullish

    Civista Bancshares, Inc. (CIVB) stock price, news, quote and history

    This article provides a detailed financial overview of Civista Bancshares, Inc. (CIVB), including its current stock price, historical data, key financial metrics...

    Yahoo Finance Singapore•10/10/26•Neutral

    Civista Bancshares, Inc. (CIVB) stock price, news, quote and history

    This article provides a comprehensive overview of Civista Bancshares, Inc. (CIVB), including its current stock price, financial summary, historical data, and performance. It details the company's banking services...

    Yahoo Finance Australia•10/9/26•Neutral

    CIVB Valuation and Fair Value

    P/E
    9.3x
    Forward P/E
    9.5x
    EV/EBITDA
    10.7x
    P/FCF
    9.9x
    PEG
    1.4x
    P/B
    1.0x
    See GNG's fair value

    CIVB Profitability: Margins, ROIC and FCF

    Operating margin
    39.9%
    Net margin
    29.6%
    ROIC
    6.8%
    ROE
    11.2%
    FCF margin
    30.3%
    FCF yield
    10.1%

    CIVB Competitors

    CompanyTicker
    Kearny Financial CorpKRNY
    Unity Bancorp IncUNTY
    Southern First Bancshares IncSFST
    Brighthouse Financial, Inc.BHFAM
    Velocity Financial LlcVEL
    American Integrity Insurance Group, Inc.AII
    Greene County Bancorp IncGCBC
    Northpointe Bancshares, Inc.NPB

    Sector: Financial Services

    CIVB Analyst Ratings

    Consensus
    Buy
    Analysts
    6
    Strong Buy
    1
    Buy
    2
    Hold
    3
    Sell
    0
    Strong Sell
    0

    CIVB Bull Case vs Bear Case

    Bull case

    • CIVB converts 30.3% of revenue into free cash flow.
    • CIVB has a 29.6% net profit margin.
    • CIVB beat EPS estimates in 100.0% of its last 8 reported quarters.

    CIVB Earnings: Beat Rate and Next Report

    Beat rate
    8 of 8 quarters (100.0%)
    Average surprise
    17.7%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $0.70
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    2 up, 3 down

    CIVB Dividend

    Forward yield
    2.7%
    Payout ratio
    27.2%
    3Y DPS growth
    6.7%
    5Y DPS growth
    9.1%
    Pay months
    Feb, May, Aug, Nov
    CIVB dividend history

    Frequently Asked Questions About CIVB

    What is CIVB's current dividend yield?

    Civista Bancshares Inc (CIVB) has a forward dividend yield of 2.68%.

    Does CIVB pay dividends?

    Yes, Civista Bancshares Inc pays dividends with a forward dividend yield of 2.68%.

    What is CIVB's P/E ratio?

    Civista Bancshares Inc has a price-to-earnings (P/E) ratio of 9.29.

    What is CIVB's market cap?

    Civista Bancshares Inc (CIVB) has a market capitalization of $554.79M with a current stock price of $26.85.

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