Positive News SentimentPositive NewsNASDAQ:CIVB Civista Bancshares (CIVB) Stock Price, News & Analysis $19.54 +0.07 (+0.36%) Closing price 03/31/2025 04:00 PM EasternExtended Trading$19.36 -0.18 (-0.95%) As of 07:05 AM Eastern Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more. Add Compare Share Share Stock Analysis Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsFinancialsHeadlinesInsider TradesOptions ChainOwnershipSEC FilingsShort InterestSustainabilityTrendsBuy This Stock About Civista Bancshares Stock (NASDAQ:CIVB) 30 days 90 days 365 days Advanced Chart View Price History Chart DataSkip Price History Chart Get Civista Bancshares alerts:Sign Up Key Stats Today's Range$19.30▼$19.8950-Day Range$18.84▼$22.0652-Week Range$13.60▼$23.70Volume89,386 shsAverage Volume46,620 shsMarket Capitalization$302.46 millionP/E Ratio9.67Dividend Yield3.48%Price Target$23.40Consensus RatingModerate Buy Company OverviewCivista Bancshares, Inc. operates as the financial holding company for Civista Bank that provides community banking services. It collects a range of customer deposits; and offers commercial and agriculture, commercial and residential real estate, farm real estate, real estate construction, consumer, and other loans, as well as letters of credit. The company also holds and manages securities portfolio; leases general equipment; and provides captive insurance products. It operates in North Central, West Central, South Western Ohio, South Eastern Indiana, and Northern Kentucky. The company was formerly known as First Citizens Banc Corp and changed its name to Civista Bancshares, Inc. in May 2015. Civista Bancshares, Inc. was founded in 1884 and is headquartered in Sandusky, Ohio.Read More… Remove Ads Civista Bancshares Stock Analysis - MarketRank™See Top-Rated MarketRank™ Stocks91st Percentile Overall ScoreCIVB MarketRank™: Civista Bancshares scored higher than 91% of companies evaluated by MarketBeat, and ranked 149th out of 952 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation. Analyst's Opinion2.3 / 5Analyst RatingModerate Buy Consensus RatingCivista Bancshares has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on 2 buy ratings, 2 hold ratings, and no sell ratings.Amount of Analyst CoverageCivista Bancshares has only been the subject of 1 research reports in the past 90 days.Read more about Civista Bancshares' stock forecast and price target. Earnings and Valuation3.1 / 5Proj. Earnings Growth14.04% Earnings GrowthEarnings for Civista Bancshares are expected to grow by 14.04% in the coming year, from $2.28 to $2.60 per share.Price to Earnings Ratio vs. the MarketThe P/E ratio of Civista Bancshares is 9.67, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 22.55.Price to Earnings Ratio vs. SectorThe P/E ratio of Civista Bancshares is 9.67, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 22.60.Price to Book Value per Share RatioCivista Bancshares has a P/B Ratio of 0.82. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.Read more about Civista Bancshares' valuation and earnings. Short Interest3.0 / 5Short Interest LevelHealthy Percentage of Shares Shorted1.09% of the float of Civista Bancshares has been sold short.Short Interest Ratio / Days to CoverCivista Bancshares has a short interest ratio ("days to cover") of 3.6, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in Civista Bancshares has recently increased by 11.25%, indicating that investor sentiment is decreasing significantly. Dividend3.3 / 5Dividend StrengthStrong Dividend LeadershipCivista Bancshares is a leading dividend payer. It pays a dividend yield of 3.51%, putting its dividend yield in the top 25% of dividend-paying stocks.Dividend GrowthCivista Bancshares does not have a long track record of dividend growth.Dividend CoverageThe dividend payout ratio of Civista Bancshares is 33.66%. This payout ratio is at a healthy, sustainable level, below 75%.Dividend SustainabilityBased on earnings estimates, Civista Bancshares will have a dividend payout ratio of 26.15% next year. This indicates that Civista Bancshares will be able to sustain or increase its dividend.Read more about Civista Bancshares' dividend. Sustainability and ESG3.1 / 5Environmental Score-0.68 Percentage of Shares Shorted1.09% of the float of Civista Bancshares has been sold short.Short Interest Ratio / Days to CoverCivista Bancshares has a short interest ratio ("days to cover") of 3.6, which is generally considered an acceptable ratio of short interest to trading volume.Change versus previous monthShort interest in Civista Bancshares has recently increased by 11.25%, indicating that investor sentiment is decreasing significantly. News and Social Media3.1 / 5News Sentiment1.64 News SentimentCivista Bancshares has a news sentiment score of 1.64. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 1.01 average news sentiment score of Finance companies.News Coverage This WeekMarketBeat has tracked 3 news articles for Civista Bancshares this week, compared to 2 articles on an average week. Company Ownership0.8 / 5Insider TradingN/A Insider Buying vs. Insider SellingIn the past three months, Civista Bancshares insiders have not sold or bought any company stock.Percentage Held by InsidersOnly 2.60% of the stock of Civista Bancshares is held by insiders.Percentage Held by Institutions52.10% of the stock of Civista Bancshares is held by institutions. High institutional ownership can be a signal of strong market trust in this company.Read more about Civista Bancshares' insider trading history. Receive CIVB Stock News and Ratings via Email Sign-up to receive the latest news and ratings for Civista Bancshares and its competitors with MarketBeat's FREE daily newsletter. Email Address CIVB Stock News HeadlinesCivista Bancshares Full Year 2024 Earnings: EPS Beats ExpectationsMarch 12, 2025 | finance.yahoo.comPiper Sandler Sticks to Its Hold Rating for Civista Bancshares (CIVB)February 4, 2025 | markets.businessinsider.comPartner with Elon Musk on Project Colossus… Before May 1stEven though xAI is a private company, tech legend and angel investor Jeff Brown found a way for everyday folks like you… To partner with Elon on what he believes will be the biggest AI project of the century… Starting with as little as $500.April 1, 2025 | Brownstone Research (Ad)D.A. Davidson Remains a Buy on Civista Bancshares (CIVB)January 31, 2025 | markets.businessinsider.comCivista Bancshares, Inc. (NASDAQ:CIVB) Q4 2024 Earnings Call TranscriptJanuary 31, 2025 | msn.comQ4 2024 Civista Bancshares Inc Earnings CallJanuary 31, 2025 | uk.finance.yahoo.comCivista Bancshares reports Q4 EPS 63c, consensus 53cJanuary 31, 2025 | markets.businessinsider.comCivista Bancshares, Inc. (NASDAQ:CIVB) is largely controlled by institutional shareholders who own 52% of the companyJanuary 31, 2025 | uk.finance.yahoo.comSee More Headlines CIVB Stock Analysis - Frequently Asked Questions How have CIVB shares performed this year? Civista Bancshares' stock was trading at $21.04 at the start of the year. Since then, CIVB stock has decreased by 7.1% and is now trading at $19.54. View the best growth stocks for 2025 here. How were Civista Bancshares' earnings last quarter? Civista Bancshares, Inc. (NASDAQ:CIVB) released its earnings results on Thursday, January, 30th. The bank reported $0.63 earnings per share for the quarter, topping the consensus estimate of $0.53 by $0.10. Civista Bancshares had a net margin of 12.96% and a trailing twelve-month return on equity of 8.35%. How do I buy shares of Civista Bancshares? Shares of CIVB stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services. What other stocks do shareholders of Civista Bancshares own? Based on aggregate information from My MarketBeat watchlists, some other companies that Civista Bancshares investors own include NVIDIA (NVDA), Broadcom (AVGO), Meta Platforms (META), Adobe (ADBE), Advanced Micro Devices (AMD), ServiceNow (NOW) and Arista Networks (ANET). Company Calendar Last Earnings1/30/2025Record date for 2/18 Dividend2/04/2025Ex-Dividend for 2/18 Dividend2/04/2025Dividend Payable2/18/2025Today3/31/2025Next Earnings (Estimated)4/29/2025Fiscal Year End12/31/2025Get Stock AlertsIndustry, Sector and Symbol Stock ExchangeNASDAQ SectorFinance Industry State commercial banks Sub-IndustryBanking Current SymbolNASDAQ:CIVB CIK944745 Webwww.civb.com Phone(419) 625-4121Fax419-627-3359Employees440Year Founded1884Price Target and Rating Average Stock Price Target$23.40 High Stock Price Target$27.00 Low Stock Price Target$19.00 Potential Upside/Downside+19.8%Consensus RatingModerate Buy Rating Score (0-4)2.50 Research Coverage4 Analysts Profitability EPS (Most Recent Fiscal Year)$2.02 Trailing P/E Ratio9.67 Forward P/E Ratio8.57 P/E GrowthN/ANet Income$31.68 million Net Margins12.96% Pretax Margin15.20% Return on Equity8.35% Return on Assets0.80% Debt Debt-to-Equity Ratio1.01 Current Ratio0.95 Quick Ratio0.95 Sales & Book Value Annual Sales$151.91 million Price / Sales1.99 Cash Flow$3.22 per share Price / Cash Flow6.06 Book Value$23.70 per share Price / Book0.82Miscellaneous Outstanding Shares15,479,000Free Float15,263,000Market Cap$302.46 million OptionableOptionable Beta0.79 Social Links The 10 Best AI Stocks to Own in 2025Wondering where to start (or end) with AI stocks? 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