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Upturn AI Summary - About
Civista Bancshares Inc(CIVB)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for CIVB
11/06/2026: CIVB (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Civista Bancshares Inc is a regional bank holding company providing commercial, retail, and wealth management services primarily in Ohio and Indiana. The company's strengths lie in its deep community relationships and a disciplined approach to geographic expansion through selective acquisitions. Its investment story centers on capturing market share in Midwest commercial lending while scaling digital efficiency. Key risks include its geographic concentration, sensitivity to interest rate changes, and competition from much larger, better-funded national banks. The stock may best suit value and dividend-oriented investors seeking regional exposure, though potential investors should monitor regional economic health and future M&A execution.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company's growth is moderate and linked to regional economic expansion rather than high-growth disruption. |
| Momentum investor | Weak fit | The stock typically tracks broader sector trends rather than aggressive short-term price momentum. |
| Value investor | Strong fit | Regional banks often trade at modest price-to-book valuations that may appeal to value-oriented investors. |
| Dividend investor | Strong fit | The company consistently pays a dividend, making it suitable for income-focused portfolios. |
| Low-risk investor | Mixed fit | While established, banking stocks are subject to cyclical and interest-rate risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Bank stocks can fluctuate significantly based on interest rate cycles and economic reports. |
| Valuation risk | Low | The stock is generally valued based on book value, which provides a level of fundamental support. |
| Competition risk (regional banking) | Medium / high | Intense competition from larger banks can compress margins and pressure loan growth. |
| Business quality | Medium | Civista operates a traditional banking model that is highly dependent on regional economic health. |
| Dividend income | Low | Dividends are generally stable but tied to board policy and regulatory capital requirements. |
| Execution risk | Medium | Future growth through M&A carries integration risks that could impact profitability. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 51.45% | Avg. Invested days 47 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/06/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 583.25M USD | Price to earnings Ratio 10.13 | 1Y Target Price 31.17 |
Price to earnings Ratio 10.13 | 1Y Target Price 31.17 | ||
Volume (30-day avg) 122.3K shares | Beta 0.64 | 52 Weeks Range 20.41 - 29.50 | Updated Date 11/06/2026 |
52 Weeks Range 20.41 - 29.50 | Updated Date 11/06/2026 | ||
Dividends yield (FY) 2.46% | Basic EPS (TTM) 2.78 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits and borrowings. | The primary source of profit is the spread between what the bank earns on loans and pays on deposits. |
| Non-Interest Income | Service charges, trust and wealth management fees, and loan sale gains. | Revenue from fees and services adds diversification beyond traditional lending. |
| Geographic Exposure | Concentrated primarily in Ohio and parts of Indiana. | The bank's health is closely tied to the regional economic performance of the Midwest. |
Earnings Date
Report Date 2026-10-22 | When Before Market | Estimate 0.7 | Actual 0.77 |
Profitability
Profit Margin 30.76% | Operating Margin (TTM) 43.63% |
Management Effectiveness
Return on Assets (TTM) 1.37% | Return on Equity (TTM) 10.95% |
Valuation
Trailing PE 10.13 | Forward PE 10.3 | Enterprise Value 742.34M | Price to Sales(TTM) 3.11 |
Enterprise Value 742.34M | Price to Sales(TTM) 3.11 | ||
Enterprise Value to Revenue 4.39 | Enterprise Value to EBITDA - | Shares Outstanding 20.71M | Shares Floating 20.20M |
Shares Outstanding 20.71M | Shares Floating 20.20M | ||
Percent Insiders 2.09 | Percent Institutions 67.86 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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