CIVB:NSD-Civista Bancshares, Inc (USD)

COMMON STOCK | Banks-Regional | NSD

Last Closing Price

USD 23.30

Change

+0.77 (+3.42)%

Market Cap

USD 0.35B

Volume

0.06M

Average Target Price

USD 24.00 (+3.00%)
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

Civista Bancshares, Inc. operates as the financial holding company for Civista Bank that provides community banking services. The company collects a range of customer deposits; and offers commercial, commercial and residential real estate mortgage, real estate construction, and consumer loans, as well as letters of credit. It also purchases securities; and provides trust and third party insurance services. The company operates branch banking offices in Ohio communities, including Sandusky, Norwalk, Berlin Heights, Huron, Port Clinton, Castalia, New Washington, Shelby, Willard, Greenwich, Plymouth, Shiloh, Akron, Dublin, Plain City, Urbana, Russells Point, West Liberty, Quincy, Dayton, and Beachwood; and Indiana communities comprising Lawrenceburg, Aurora, West Harrison, Milan, Osgood, and Versailles. It also operates loan production offices in Westlake, Ohio; and Fort Mitchell, 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.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-05-13 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
SIVB SVB Financial Group

+10.29 (+1.88%)

USD29.73B 18.01 N/A
FITB Fifth Third Bancorp

+1.04 (+2.54%)

USD28.82B 15.04 N/A
HBANN Huntington Bancshares Incorpor..

+0.10 (+0.39%)

USD27.80B 22.33 N/A
FITBI Fifth Third Bancorp

+0.06 (+0.21%)

USD19.77B 10.38 N/A
HBAN Huntington Bancshares Incorpor..

+0.32 (+2.10%)

USD15.49B 13.33 N/A
SBNY Signature Bank

-2.31 (-0.96%)

USD13.92B 21.30 N/A
HBANO Huntington Bancshares Incorpor..

+0.03 (+0.12%)

USD13.18B 22.22 N/A
ZION Zions Bancorporation, National..

+1.93 (+3.38%)

USD9.36B 11.62 N/A
CBSH Commerce Bancshares, Inc

+2.38 (+3.10%)

USD9.00B 21.34 N/A
PBCT People's United Financial, Inc

+0.75 (+4.10%)

USD7.72B 35.36 N/A

ETFs Containing CIVB

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Banks-Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 32.92% 69% D+ 83% B
Dividend Return 1.37% 61% D- 68% D+
Total Return 34.28% 70% C- 84% B
Trailing 12 Months  
Capital Gain 84.34% 60% D- 68% D+
Dividend Return 3.64% 36% F 58% F
Total Return 87.97% 59% F 69% D+
Trailing 5 Years  
Capital Gain 103.67% 86% B 67% D+
Dividend Return 15.65% 45% F 59% F
Total Return 119.32% 87% B+ 69% D+
Average Annual (5 Year Horizon)  
Capital Gain 4.21% 71% C- 44% F
Dividend Return 1.77% 37% F 49% F
Total Return 5.97% 69% D+ 44% F
Risk Return Profile  
Volatility (Standard Deviation) 30.73% 26% F 57% F
Risk Adjusted Return 19.43% 59% F 39% F
Market Capitalization 0.35B 45% F 44% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks-Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 10.25 77% C+ 73% C
Price/Book Ratio 1.02 75% C 89% B+
Price / Cash Flow Ratio 10.93 56% F 37% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 10.35% 59% F 74% C
Return on Invested Capital -0.91% 25% F 47% F
Return on Assets 1.25% 68% D+ 60% D-
Debt to Equity Ratio 44.11% 32% F 43% F
Technical Ratios  
Short Ratio 1.99 80% B- 61% D-
Short Percent 0.72% 82% B- 87% B+
Beta 0.98 49% F 62% D-
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Underpriced compared to earnings

The stock is trading low compared to its peers on a price to earning basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Underpriced compared to book value

The stock is trading low compared to its peers on a price to book value basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

What to not like:
Low market capitalization

This is among the smaller entities in its sectors with below median market capitalization. That may make it less stable in the long run unless it has a unique technology or market which can help it grow or get acquired in future.

High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.