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Upturn AI SWOT - About
CIVB 
Civista Bancshares Inc (CIVB)
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Upturn Advisory Summary
09/12/2025: CIVB (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $25
1 Year Target Price $25
| 3 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 33.65% | Avg. Invested days 47 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/12/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 402.29M USD | Price to earnings Ratio 8.23 | 1Y Target Price 25 |
Price to earnings Ratio 8.23 | 1Y Target Price 25 | ||
Volume (30-day avg) 6 | Beta 0.75 | 52 Weeks Range 16.35 - 25.37 | Updated Date 09/14/2025 |
52 Weeks Range 16.35 - 25.37 | Updated Date 09/14/2025 | ||
Dividends yield (FY) 3.13% | Basic EPS (TTM) 2.53 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.05% | Operating Margin (TTM) 34.48% |
Management Effectiveness
Return on Assets (TTM) 0.96% | Return on Equity (TTM) 10.14% |
Valuation
Trailing PE 8.23 | Forward PE 9.53 | Enterprise Value 878045248 | Price to Sales(TTM) 2.56 |
Enterprise Value 878045248 | Price to Sales(TTM) 2.56 | ||
Enterprise Value to Revenue 5.95 | Enterprise Value to EBITDA - | Shares Outstanding 19312900 | Shares Floating 18717077 |
Shares Outstanding 19312900 | Shares Floating 18717077 | ||
Percent Insiders 2.31 | Percent Institutions 47.4 |
Upturn AI SWOT
Civista Bancshares Inc
Company Overview
History and Background
Civista Bancshares, Inc. was founded in 1884 as the Citizens Banking Company in Sandusky County, Ohio. It has grown through organic expansion and strategic acquisitions, evolving into a community-focused financial institution.
Core Business Areas
- Community Banking: Offers a range of banking services to individuals and businesses, including deposit accounts, loans, and other financial products.
- Wealth Management: Provides wealth management and trust services to individuals and families, including investment management and financial planning.
- Commercial Lending: Provides commercial lending services to local businesses and organizations.
Leadership and Structure
Dennis G. Shaffer serves as the Chief Executive Officer. The company has a board of directors that oversees strategic direction and corporate governance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers term loans, lines of credit, and real estate financing to businesses. Market share data is difficult to ascertain precisely, but competitors include larger regional and national banks. Competitors: Huntington Bancshares (HBAN), Fifth Third Bancorp (FITB).
- Residential Mortgages: Provides mortgage loans for home purchases and refinancing. Competitors include national mortgage lenders. Competitors: Rocket Companies (RKT), UWM Holdings Corporation (UWMC).
- Deposit Accounts: Offers checking, savings, and money market accounts to individuals and businesses. Competitors are other banks and credit unions. Competitors: KeyCorp (KEY), PNC Financial Services Group (PNC).
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Consolidation within the industry continues to occur.
Positioning
Civista Bancshares focuses on community banking, aiming to provide personalized service and build relationships with local customers. Its smaller size allows for greater flexibility and responsiveness compared to larger institutions.
Total Addressable Market (TAM)
The TAM for banking services in Civista's geographic footprint is estimated at several billion dollars. Civista is positioned to capture a portion of this TAM through its community-focused strategy.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Customer-focused service
- Experienced management team
- Solid capital base
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on traditional banking services
- Less diverse revenue streams than larger institutions.
Opportunities
- Expansion into new markets
- Increased adoption of digital banking services
- Acquisitions of smaller banks or credit unions
- Growth in wealth management business
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- HBAN
- FITB
- KEY
- PNC
Competitive Landscape
Civista competes primarily on customer service and local market knowledge. It faces challenges from larger banks with greater resources and broader product offerings.
Major Acquisitions
The State Bank
- Year: 2021
- Acquisition Price (USD millions): 121.7
- Strategic Rationale: Expansion into new markets and increased market share in northwest Ohio.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been steady, driven by organic expansion and acquisitions.
Future Projections: Future growth is projected to be moderate, dependent on economic conditions and the success of strategic initiatives.
Recent Initiatives: Recent initiatives include investments in digital banking and expansion into new markets.
Summary
Civista Bancshares is a community-focused bank with a solid local presence. While its smaller size provides agility, it also limits resources compared to larger competitors. Strategic acquisitions and investments in digital banking are key to future growth, but it faces threats from economic downturns and increasing competition.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC filings
- Company Investor Relations
- Industry reports
Disclaimers:
This analysis is based on available public information and should not be considered investment advice. Market share data are estimates and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Civista Bancshares Inc
Exchange NASDAQ | Headquaters Sandusky, OH, United States | ||
IPO Launch date 2001-01-02 | President, CEO & Chairman Mr. Dennis G. Shaffer | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 526 | Website https://www.civb.com |
Full time employees 526 | Website https://www.civb.com | ||
Civista Bancshares, Inc. operates as the financial holding company for Civista Bank that provides community banking services in the United States. The company offers personal and commercial checking accounts; retirement, money market, time, and savings accounts; safe deposit boxes; wire transfers; automated teller services; internet banking; ACH origination; telephone banking; and mobile/digital banking services, as well as remote deposit capture banking services for retail and business customers. It also provides time deposits that consist of certificates of deposit, including those held in IRA accounts and reciprocal deposits. Its loan portfolio includes commercial and agriculture; commercial real estate " owner and non-owner occupied; residential and farm real estate; real estate construction; lease financing receivable; consumer; and other loans, as well as home equity line of credit. In addition, the company 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.
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