# Civista Bancshares Inc. (CIVB) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $27.77, market value $577 million.

## Valuation
- **P/E (trailing): 10.4×** (5-yr avg 8.0×, 3-yr avg 8.2×). Civista Bancshares Inc. trades at 10.4× trailing earnings, well above its own five-year average of 8.0×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 9.6×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.30**. A PEG of 0.30 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 29.5×**. Each dollar of revenue is priced at 29.5×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 1.0×**. The shares trade at 1.0× book value; book value is a meaningful part of the valuation.
- **Earnings yield: 9.7%**. The inverse of the P/E: 9.7% of the price is earned each year.

## Profitability
- **Net margin: 242.9%**. 242.9% of each dollar of sales reaches the bottom line.
- **Return on equity: 8.5%**. 8.5% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 1.3%**. Each dollar of assets produces 1.3% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): -0.5%** (3-yr -8.1%/yr, 5-yr 2.3%/yr). Revenue fell 0.5% over the last year, against 2.3% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 31.3%** (3-yr 0.5%/yr, 5-yr 5.7%/yr). Earnings per share rose 31.3%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): 31.1%/yr**. Free cash flow has compounded at 31.1% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 3/9**. 3 of 9 checks pass: weak or deteriorating financials.

## Dividends
- **Dividend yield: 2.59%** ($0.70 per share, trailing). Civista Bancshares Inc. yields 2.59%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 26%**. 26% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 15**. 15 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 9.1%/yr** (1-yr 6.3%). The dividend has grown 9.1% a year over five years.

## Price and momentum
- **Total return (1 yr): 34.0%** (YTD 26.8%, 3-mo 5.1%). The shares are up 34.0% over twelve months including dividends.
- **From 52-week high: -7.3%** (40.1% above the low). Trading 7% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 49**. An RSI of 49 is neutral.
- **Beta (1 yr): 0.44** (volatility 24%). Beta of 0.44 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=CIVB · Page: https://foliofundamentals.com/stocks/civb

Not investment advice.