CIVISTA BANCSHARES INC(NASDAQ:CIVB) stock Fundamental Analysis

Fundamental Rating

Overall CIVB gets a fundamental rating of 4 out of 10. We evaluated CIVB against 405 industry peers in the Banks industry. CIVB has a bad profitability rating. Also its financial health evaluation is rather negative. CIVB has a correct valuation and a medium growth rate. CIVB also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

CIVB had positive earnings in the past year.

In the past year CIVB had a positive cash flow from operations.

In the past 5 years CIVB has always been profitable.

Of the past 5 years CIVB 4 years had a positive operating cash flow.

1.2 Ratios

The Return On Assets of CIVB (0.91%) is better than 61.40% of its industry peers.

CIVB has a Return On Equity of 9.32%. This is in the better half of the industry: CIVB outperforms 63.16% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.91%
ROE	9.32%
ROIC	N/A

ROA(3y)0.98%

ROA(5y)1.09%

ROE(3y)10.24%

ROE(5y)10.25%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

CIVB's Profit Margin of 19.36% is on the low side compared to the rest of the industry. CIVB is outperformed by 63.66% of its industry peers.

In the last couple of years the Profit Margin of CIVB has declined.

The Operating Margin and Gross Margin are not available for CIVB so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	19.36%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-14.24%

PM growth 5Y-8.2%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

CIVB does not have a ROIC to compare to the WACC, probably because it is not profitable.

CIVB has more shares outstanding than it did 1 year ago.

CIVB has less shares outstanding than it did 5 years ago.

The debt/assets ratio for CIVB has been reduced compared to a year ago.

2.2 Solvency

CIVB has a debt to FCF ratio of 4.19. This is a neutral value as CIVB would need 4.19 years to pay back of all of its debts.

CIVB's Debt to FCF ratio of 4.19 is in line compared to the rest of the industry. CIVB outperforms 40.35% of its industry peers.

A Debt/Equity ratio of 0.28 indicates that CIVB is not too dependend on debt financing.

With a Debt to Equity ratio value of 0.28, CIVB is not doing good in the industry: 62.66% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
Debt/Equity	0.28
Debt/FCF	4.19
Altman-Z	N/A

ROIC/WACCN/A

WACC9.52%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

CIVB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -26.28%.

CIVB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.10% yearly.

CIVB shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 17.63%.

The Revenue has been growing slightly by 7.52% on average over the past years.

EPS 1Y (TTM)-26.28%

EPS 3Y-9.77%

EPS 5Y0.1%

EPS Q2Q%1.61%

Revenue 1Y (TTM)17.63%

Revenue growth 3Y6.77%

Revenue growth 5Y7.52%

Sales Q2Q%3.16%

3.2 Future

CIVB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 13.46% yearly.

The Revenue is expected to grow by 7.15% on average over the next years.

EPS Next Y18.25%

EPS Next 2Y13.46%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year8.75%

Revenue Next 2Y7.15%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.22 indicates a reasonable valuation of CIVB.

Based on the Price/Earnings ratio, CIVB is valued cheaper than 80.70% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 29.62. CIVB is valued rather cheaply when compared to this.

CIVB is valuated reasonably with a Price/Forward Earnings ratio of 8.64.

Compared to the rest of the industry, the Price/Forward Earnings ratio of CIVB indicates a rather cheap valuation: CIVB is cheaper than 87.47% of the companies listed in the same industry.

When comparing the Price/Forward Earnings ratio of CIVB to the average of the S&P500 Index (22.70), we can say CIVB is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.22
Fwd PE	8.64

4.2 Price Multiples

CIVB's Price/Free Cash Flow is on the same level as the industry average.

		Industry Rank	Sector Rank
P/FCF	12.33
EV/EBITDA	N/A

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

CIVB's earnings are expected to grow with 13.46% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.56

PEG (5Y)102.94

EPS Next 2Y13.46%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

CIVB has a Yearly Dividend Yield of 3.23%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 3.19, CIVB pays a bit more dividend than its industry peers.

CIVB's Dividend Yield is a higher than the S&P500 average which is at 2.27.

		Industry Rank	Sector Rank
Dividend Yield	3.23%

5.2 History

On average, the dividend of CIVB grows each year by 10.68%, which is quite nice.

CIVB has paid a dividend for at least 10 years, which is a reliable track record.

CIVB has not decreased their dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)10.68%

Div Incr Years13

Div Non Decr Years13

5.3 Sustainability

CIVB pays out 27.35% of its income as dividend. This is a sustainable payout ratio.

The dividend of CIVB is growing, but earnings are growing more, so the dividend growth is sustainable.

DP27.35%

EPS Next 2Y13.46%

EPS Next 3YN/A

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CIVISTA BANCSHARES INC

NASDAQ:CIVB (2/21/2025, 8:09:22 PM)

After market: 20.65 0 (0%)

20.65

-0.38 (-1.81%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-30 2025-01-30/bmo

Earnings (Next)04-28 2025-04-28/bmo

Inst Owners55.51%

Inst Owner Change-97.43%

Ins Owners1.41%

Ins Owner Change0.29%

Market Cap325.03M

Analysts80

Price Target25.42 (23.1%)

Short Float %0.99%

Short Ratio2.79

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.23%

Yearly Dividend0.61

Dividend Growth(5Y)10.68%

DP27.35%

Div Incr Years13

Div Non Decr Years13

Ex-Date02-04 2025-02-04 (0.17)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)16.21%

Min EPS beat(2)13.51%

Max EPS beat(2)18.9%

EPS beat(4)3

Avg EPS beat(4)6.36%

Min EPS beat(4)-12.65%

Max EPS beat(4)18.9%

EPS beat(8)5

Avg EPS beat(8)2.49%

EPS beat(12)8

Avg EPS beat(12)4.66%

EPS beat(16)11

Avg EPS beat(16)7.31%

Revenue beat(2)2

Avg Revenue beat(2)1.1%

Min Revenue beat(2)0.92%

Max Revenue beat(2)1.28%

Revenue beat(4)2

Avg Revenue beat(4)-2.87%

Min Revenue beat(4)-8%

Max Revenue beat(4)1.28%

Revenue beat(8)3

Avg Revenue beat(8)-2.35%

Revenue beat(12)4

Avg Revenue beat(12)-2.71%

Revenue beat(16)5

Avg Revenue beat(16)-2.28%

PT rev (1m)3.46%

PT rev (3m)28.88%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)12.87%

EPS NY rev (3m)13.78%

Revenue NQ rev (1m)0.01%

Revenue NQ rev (3m)0.01%

Revenue NY rev (1m)2.42%

Revenue NY rev (3m)2.55%

Valuation

		Industry Rank	Sector Rank
PE	10.22
Fwd PE	8.64
P/S	1.71
P/FCF	12.33
P/OCF	11.72
P/B	0.82
P/tB	1.25
EV/EBITDA	N/A

EPS(TTM)2.02

EY9.78%

EPS(NY)2.39

Fwd EY11.57%

FCF(TTM)1.68

FCFY8.11%

OCF(TTM)1.76

OCFY8.53%

SpS12.06

BVpS25.06

TBVpS16.56

PEG (NY)0.56

PEG (5Y)102.94

Profitability

		Industry Rank	Sector Rank
ROA	0.91%
ROE	9.32%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	19.36%
GM	N/A
FCFM	13.89%

ROA(3y)0.98%

ROA(5y)1.09%

ROE(3y)10.24%

ROE(5y)10.25%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-14.24%

PM growth 5Y-8.2%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	0.28
Debt/FCF	4.19
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	0.72%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	71.74%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC9.52%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-26.28%

EPS 3Y-9.77%

EPS 5Y0.1%

EPS Q2Q%1.61%

EPS Next Y18.25%

EPS Next 2Y13.46%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)17.63%

Revenue growth 3Y6.77%

Revenue growth 5Y7.52%

Sales Q2Q%3.16%

Revenue Next Year8.75%

Revenue Next 2Y7.15%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-50.14%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-52.47%

OCF growth 3YN/A

OCF growth 5YN/A

CIVISTA BANCSHARES INC (CIVB) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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