C

    Civista Bancshares Inc (CIVB)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $26.98
    -0.50 (-1.82%)

    Market Cap: $571.43M

    Last updated: Sep 01, 2026 at 10:00 AM ET

    Earnings

    Performance (10Y)

    Beat Rate
    80%(32/40)
    Avg Surprise
    +11.12%
    Streak
    9 Q

    Upcoming Estimates

    Sep 30, 2026
    EPS Consensus$0.69
    Range$0.68 - $0.71
    6 analysts
    EPS RevisionsNo revisions (7d)
    2
    3
    30d
    EPS Estimate Drift
    90d ago$0.70+0.2%
    60d ago$0.70+0.2%
    30d ago$0.70+1.0%
    7d ago$0.70+0.1%
    Current$0.69
    Revenue Consensus
    $49M
    Range$48M - $49M
    4 analysts
    Dec 31, 2026
    EPS Consensus$0.90
    Range$0.88 - $0.93
    6 analysts
    Revenue Consensus
    $51M
    Range$50M - $53M
    4 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.90---
    Sep 26EST
    		-$0.69---
    Jun 26
    		$0.69$0.67+2.99%Beat-2.8%
    Mar 26
    		$0.74$0.57+29.82%Beat+12.1%
    Dec 25
    		$0.75$0.62+20.97%Beat+19.0%
    Sep 25
    		$0.71$0.59+20.34%Beat+34.0%
    Jun 25
    		$0.71$0.70+1.43%Beat+57.8%
    Mar 25
    		$0.66$0.52+26.92%Beat+61.0%
    Dec 24
    		$0.63$0.53+18.87%Beat+1.6%
    Sep 24
    		$0.53$0.44+20.45%Beat-19.7%
    Jun 24
    		$0.45$0.39+15.38%Beat-29.7%
    Mar 24
    		$0.41$0.46-10.87%Miss-50.0%
    Dec 23
    		$0.62$0.58+6.90%Beat-19.5%
    Sep 23
    		$0.66$0.61+8.20%Beat-8.3%
    Jun 23
    		$0.64$0.72-11.11%Miss+20.8%
    Mar 23
    		$0.82$0.81+1.23%Beat+43.9%
    Dec 22
    		$0.77$0.75+2.67%Beat+5.5%
    Sep 22
    		$0.72$0.61+18.03%Beat+12.5%
    Jun 22
    		$0.53$0.54-1.85%Miss-10.2%
    Mar 22
    		$0.57$0.63-9.52%Miss-16.2%
    Dec 21
    		$0.73$0.59+23.73%Beat+14.1%
    Sep 21
    		$0.64$0.62+3.23%Beat+33.3%
    Jun 21
    		$0.59$0.63-6.35%Miss+43.9%
    Mar 21
    		$0.68$0.68+0.00%Beat+44.7%
    Dec 20
    		$0.64$0.44+45.45%Beat+36.2%
    Sep 20
    		$0.48$0.35+37.14%Beat+4.3%
    Jun 20
    		$0.41$0.24+70.83%Beat-19.6%
    Mar 20
    		$0.47$0.48-2.08%Miss-17.5%
    Dec 19
    		$0.47$0.48-2.08%Miss-4.1%
    Sep 19
    		$0.46$0.46+0.00%Beat+24.3%
    Jun 19
    		$0.51$0.48+6.25%Beat+15.9%
    Mar 19
    		$0.57$0.56+1.79%Beat+3.6%
    Dec 18
    		$0.49$0.42+16.67%Beat+32.4%
    Sep 18
    		$0.37$0.36+2.78%Beat+27.6%
    Jun 18
    		$0.44$0.40+10.00%Beat+51.7%
    Mar 18
    		$0.55$0.47+17.02%Beat+37.5%
    Dec 17
    		$0.37$0.29+27.59%Beat+12.1%
    Sep 17
    		$0.29$0.29+0.00%Beat-14.7%
    Jun 17
    		$0.29$0.32-9.38%Miss-
    Mar 17
    		$0.40$0.38+5.26%Beat-
    Dec 16
    		$0.33$0.30+10.00%Beat-
    Sep 16
    		$0.34$0.27+25.93%Beat-

    Dividends

    Dividend Metrics

    Yield2.63%
    Annual/Share$0.71
    Payout Ratio27.17%
    Pay MonthsFeb, May, Aug, Nov

    Growth

    3Y CAGR+6.69%
    5Y CAGR+9.10%
    View CIVB's full dividend history

    Key Metrics

    Valuation
    P/E Ratio9.34EV/EBITDAN/A
    Price/FCF9.97xFCF Yield10.03%
    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 Volume161.11K
    52-Week High$29.6052-Week Low$19.14

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$27.51
    SMA 20$28.04
    SMA 50$28.10
    SMA 200$24.68
    EMA 10$27.55
    EMA 20$27.82
    EMA 50$27.65
    EMA 200$25.13

    MACD

    Line: -0.26Signal: -0.12Hist: -0.14

    ADX

    ADX: 16.8+DI: 14.6-DI: 28.2

    Aroon & PSAR

    Aroon Up20.0
    Aroon Down100.0
    PSAR$28.65

    Bollinger Bands

    Upper Band$29.28
    Lower Band$26.81
    %B Position882%(Upper)
    Band Width0.07

    RSI (14-Day)

    Neutral
    33.1

    Momentum Oscillators

    Stoch %K13.5
    Stoch %D16.2
    Williams %R-99.5
    ROC (10d)-4.9%
    Momentum-1.38
    CCI (20d)-120.5
    MFI (14d)37.3

    Volatility Measures

    ATR (14d)$0.60(2.2%)
    StdDev (20d)0.62
    Hist Vol14.2%(Low)

    Volume Flow

    VWAP$27.08
    OBV1.0M
    AD Line-42.8M
    CMF (20d)-0.247

    Volume Metrics

    Avg Vol (20d)161.0K
    Vol Ratio1.4x
    VWMA (20d)$27.94

    Pivot Points

    R3$27.90
    R2$27.79
    R1$27.63
    Pivot Point$27.52
    S1$27.36
    S2$27.25
    S3$27.09

    Advanced Oscillators

    TSI-16.56
    Ultimate Osc36.0
    KST-26.28

    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

    58,920 Shares in Civista Bancshares, Inc. $CIVB Acquired by Pinnacle Holdings LLC

    Pinnacle Holdings LLC recently acquired a new position of 58,920 shares in Civista Bancshares, Inc. (NASDAQ:CIVB), valued at approximately $1.66 million. Other hedge funds also adjusted their holdings in CIVB, with institutional investors now owning 52.10% of the company's stock. Analysts currently rate Civista Bancshares as a "Moderate Buy" with an average target price of $30.25, and the company recently announced a quarterly dividend.

    MarketBeat•8/24/26•
    Somewhat-Bullish

    Civista Bancshares, Inc. (NASDAQ:CIVB) Given Consensus Rating of "Moderate Buy" by Analysts

    Civista Bancshares, Inc. (NASDAQ:CIVB) has received a "Moderate Buy" consensus rating from analysts, with an average 12-month price target of $30.25, indicating potential upside from its current share price of $28.36. The company recently surpassed quarterly earnings estimates with an EPS of $0.69 but slightly missed revenue forecasts at $47.6 million. Civista Bancshares also declared a quarterly dividend of $0.18 per share, resulting in an annual yield of 2.5%.

    MarketBeat•8/18/26•
    Bullish

    Civista Bancshares (NASDAQ:CIVB) Share Price Crosses Above 200 Day Moving Average - What's Next?

    Civista Bancshares (NASDAQ:CIVB) recently saw its stock price cross above its 200-day moving average, closing at $28.51 against an average of $25.43. The company has a "Moderate Buy" consensus rating from analysts with an average price target of $30.25, and it exceeded quarterly EPS estimates. Civista Bancshares also declared a quarterly dividend of $0.18 per share, representing a 2.5% yield.

    MarketBeat•8/15/26•
    Somewhat-Bullish

    Civista Bancshares Inc (CIVB) Stock News Today

    This article from TradingKey provides current stock information for Civista Bancshares Inc (CIVB), including its stock price, market cap, and P/E ratio. It states that more news is coming soon, with the current section being a placeholder for future updates regarding earnings, analyst ratings, and key developments. The page also offers various financial tools and company overview details for CIVB.

    TradingKey•8/8/26•
    Neutral

    Civista Bancshares Inc (CIVB) Earnings Forecast: Future EPS & Revenue Growth Estimates

    The article provides an earnings forecast for Civista Bancshares Inc (CIVB), indicating a current earnings forecast score of 7.00. Analysts have set an average price target of $24.50, with a consensus "Buy" rating based on 6 analysts. The expected revenue for the next quarter is $48.80 million, and the previous quarter's EPS was $0.72, beating the market expectation of $0.69.

    TradingKey•8/8/26•
    Neutral

    Frequently Asked Questions About CIVB

    What is CIVB's current dividend yield?
    Civista Bancshares Inc (CIVB) has a current dividend yield of 2.63%.
    Does CIVB pay dividends?
    Yes, Civista Bancshares Inc pays dividends with a current yield of 2.63%.
    What is CIVB's P/E ratio?
    Civista Bancshares Inc has a price-to-earnings (P/E) ratio of 9.34.
    What is CIVB's market cap?
    Civista Bancshares Inc (CIVB) has a market capitalization of $571.43M with a current stock price of $26.98.

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