Stocks · Financial Services · Banks - Regional
Civista Bancshares, Inc. CIVB
$26.82 -0.59% Close, Oct 5, 2026 · NASDAQ · Market cap $560.7M
Next earnings report: Oct 22, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The diluted share count rose 34.7% in a year.
- Net debt is 5.5× EBITDA, a high level of leverage.
- The shares trade at 9.9× trailing earnings, higher than 86% of the company's own readings over the past five years.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 6, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 12%
- EPS growth (TTM, YoY)Bottom 34%
- FCF growth (TTM, YoY)Top 45%
- Revenue growth, 3-year CAGRTop 36%
- Revenue growth accelerationBottom 17%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 39%
- Gross marginTop 49%
- Operating marginBottom 29%
- Cash conversion (OCF / net income)Bottom 43%
- Accruals (lower is better)Bottom 39%
- Net debt / EBITDA (lower is better)Bottom 22%
- Interest coverBottom 22%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 16%
- Free-cash-flow yieldTop 36%
- EBITDA / enterprise valueBottom 36%
- Sales / enterprise valueBottom 50%
- P/E vs own 5-year history (lower is better)Bottom 18%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 19%
- 6-month returnTop 25%
- 1-year return vs S&P 500Top 17%
- Distance from 52-week highTop 50%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 15%
- Consecutive EPS beatsTop 29%
- Share of analysts rating BuyTop 30%
- Upside to consensus price targetTop 40%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 28%
- Maximum drawdown, 3 yearsTop 43%
- Beta vs S&P 500 (lower is better)Bottom 46%
- Net debt / EBITDA (lower is better)Bottom 22%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 1.0% | -8.9% | ↓ |
| EPS growth (YoY) | 19.8% | 6.7% | ↓ |
| Gross margin | 62.6% | 65.8% | ↑ |
| Operating margin | 18.7% | 13.5% | ↓ |
| FCF margin | 18.5% | 25.1% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -8.9% | 1.0% | ↓ | Bottom 12% |
| EPS growth (TTM, YoY) | 6.7% | 19.8% | ↓ | Bottom 34% |
| Gross margin | 65.8% | 62.6% | ↑ | Top 49% |
| Operating margin | 13.5% | 18.7% | ↓ | Bottom 29% |
| Net margin | 24.2% | 16.0% | ↑ | — |
| Free-cash-flow margin | 25.1% | 18.5% | ↑ | — |
| Return on invested capital | 3.0% | — | Top 39% | |
| Revenue growth, 3-year CAGR | 18.6% | — | Top 36% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.07×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.1%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.0%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -91.1 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 5.48×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.4×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.50%
- Net buyback yield (TTM)
- -13.44%
- Shareholder yield
- -10.93%
- Share count change, 1 year
- +34.7%
- Share count change, 3-year CAGR
- +11.0%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 4
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +17.4%
- Average 2-day reaction, last 8
- +0.9%
- Positive 20 days after report
- 4 of 8
Analysts
- Consensus price target
- $32.00
- Target vs current price
- +19.3%
- Analysts with a rating
- 8
- Share rating Buy or Strong Buy
- 63%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | +3.0% | +0.4% | +3.8% | -2.4% | — |
| Apr 22, 2026 | +32.1% | +3.4% | +7.2% | +4.4% | +19.9% |
| Jan 29, 2026 | +23.0% | +5.8% | +6.4% | +4.9% | +7.1% |
| Oct 23, 2025 | +11.5% | -1.3% | +0.5% | -1.1% | +4.1% |
| Jul 24, 2025 | -4.3% | -2.3% | -7.8% | -6.2% | -6.5% |
| Apr 24, 2025 | +32.0% | +0.3% | +8.3% | +9.0% | +2.4% |
| Jan 30, 2025 | +18.9% | -0.6% | -1.3% | -4.3% | -2.1% |
| Oct 29, 2024 | +20.5% | +1.3% | +10.1% | +25.6% | +16.9% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $0.69 | $0.67 | +3.0% | $47.6M |
| Apr 22, 2026 | $0.74 | $0.56 | +32.1% | $47.3M |
| Jan 29, 2026 | $0.75 | $0.61 | +23.0% | $46.3M |
| Oct 23, 2025 | $0.68 | $0.61 | +11.5% | $43.1M |
| Jul 24, 2025 | $0.66 | $0.69 | -4.3% | $41.4M |
| Apr 24, 2025 | $0.66 | $0.50 | +32.0% | $40.1M |
| Jan 30, 2025 | $0.63 | $0.53 | +18.9% | $39.7M |
| Oct 29, 2024 | $0.53 | $0.44 | +20.5% | $38.3M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 9.9× | 8.5× | 86th | Top 16% |
| P/E (forward) | 9.4× | — | — | — |
| EV / EBITDA | 23.9× | — | — | Bottom 36% |
| EV / Sales | 3.24× | — | — | Bottom 50% |
| Free-cash-flow yield | 10.03% | — | — | Top 36% |
| Earnings yield | 10.07% | — | — | Top 16% |
P/E over the past five years
Range 5.1× – 10.6× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +33.2%
- Earnings per share growth (TTM)
- +6.7%
- Change in P/E multiple
- +38.6%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 136
- 50-day average slope (20 days)
- -1.7%
- 200-day average slope (20 days)
- +1.6%
- Distance from 50-day average
- -3.2%
- Distance from 200-day average
- +5.5%
- RSI (14)
- 44.3
- Relative volume
- 0.70×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 16.5%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.73
- Correlation with S&P 500
- 0.37
- Current drawdown from 1-year high
- -8.5%
- Maximum drawdown, 3 years
- -26.8%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 23, 2021 | Jun 14, 2024 | -46.4% | 642 days | 486 days (May 26, 2026) |
| Jan 6, 2021 | Jan 27, 2021 | -14.9% | 14 days | 12 days (Feb 12, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $560.7M
- P/E (TTM)
- 9.9
- EPS, diluted (TTM)
- $2.70
- Revenue (TTM)
- $224.5M
- Dividend yield
- 2.65%
- 52-week range
- $19.82 – $29.97
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $134.2M | $153.0M | $217.5M | $241.9M | $255.0M |
| Gross profit | $123.7M | $135.3M | $155.8M | $146.6M | $169.2M |
| Operating income | $48.4M | $47.0M | $50.6M | $36.6M | $55.2M |
| Net income | $40.5M | $39.4M | $43.0M | $31.7M | $46.2M |
| EPS (diluted) | $2.63 | $2.60 | $2.73 | $2.01 | $2.64 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $61.8M | $61.6M | $61.0M | $62.2M | $63.8M | $65.6M | $55.8M | $39.3M |
| Net income | $8.4M | $9.9M | $10.2M | $11.0M | $12.8M | $12.3M | $15.0M | $14.3M |
| EPS (diluted) | $0.53 | $0.63 | $0.66 | $0.71 | $0.68 | $0.61 | $0.72 | $0.69 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $40.8M | $25.2M | $62.7M | $48.2M | $43.3M |
| Capital expenditure | -$1.9M | -$6.5M | -$3.4M | -$4.2M | -$1.2M |
| Free cash flow | $38.8M | $18.7M | $59.3M | $44.1M | $42.1M |
| Dividends paid | -$8.0M | -$8.5M | -$9.6M | -$10.1M | -$11.8M |
| Net share buybacks | -$22.3M | -$16.9M | -$1.6M | -$164,000 | $75.5M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $765.1M
- Total assets
- $4.29B
- Total liabilities
- $3.73B
- Total debt
- $228.4M
- Net debt
- $166.6M
- Shareholders’ equity
- $566.8M
As of Jun 30, 2026 (filed Aug 6, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 4, 2026 | $0.18 | Aug 18, 2026 |
| May 5, 2026 | $0.18 | May 19, 2026 |
| Feb 10, 2026 | $0.18 | Feb 24, 2026 |
| Nov 4, 2025 | $0.17 | Nov 18, 2025 |
| Aug 5, 2025 | $0.17 | Aug 19, 2025 |
| Apr 29, 2025 | $0.17 | May 13, 2025 |
| Feb 4, 2025 | $0.17 | Feb 18, 2025 |
| Nov 5, 2024 | $0.16 | Nov 19, 2024 |
Short interest
- Shares sold short
- 640,535
- Days to cover
- 5.04
- Change vs previous report
- +8.4%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jun 5, 1996
- 4-for-1
- May 9, 1996
- 1-for-4