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Upturn AI SWOT - About
CIVB 
Civista Bancshares Inc (CIVB)
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Upturn Advisory Summary
08/14/2025: 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 $25.25
1 Year Target Price $25.25
| 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 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 392.44M USD | Price to earnings Ratio 8.03 | 1Y Target Price 25.25 |
Price to earnings Ratio 8.03 | 1Y Target Price 25.25 | ||
Volume (30-day avg) 6 | Beta 0.73 | 52 Weeks Range 15.66 - 25.37 | Updated Date 08/15/2025 |
52 Weeks Range 15.66 - 25.37 | Updated Date 08/15/2025 | ||
Dividends yield (FY) 3.20% | Basic EPS (TTM) 2.53 |
Earnings Date
Report Date 2025-07-28 | When Before Market | Estimate 0.6517 | Actual 0.6618 |
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 8.03 | Forward PE 9.53 | Enterprise Value 868195712 | Price to Sales(TTM) 2.49 |
Enterprise Value 868195712 | Price to Sales(TTM) 2.49 | ||
Enterprise Value to Revenue 5.88 | Enterprise Value to EBITDA - | Shares Outstanding 19312900 | Shares Floating 18725574 |
Shares Outstanding 19312900 | Shares Floating 18725574 | ||
Percent Insiders 2.27 | Percent Institutions 46.86 |
Upturn AI SWOT
Civista Bancshares Inc
Company Overview
History and Background
Civista Bancshares, Inc. was founded in 1884 as the Citizens National Bank in Sandusky, Ohio. It has evolved through organic growth and acquisitions to become a community-focused financial institution.
Core Business Areas
- Community Banking: Provides traditional banking services, including deposit accounts, loans, and other financial products to individuals, small businesses, and commercial customers within its service area.
- Wealth Management: Offers investment advisory services, trust services, and financial planning to individuals and families.
- Mortgage Lending: Offer mortgage lending solutions to new home buyers and real estate investors
Leadership and Structure
The leadership team consists of Dennis P. Shaffer (CEO), various executive vice presidents, and a board of directors. The organizational structure includes retail banking, commercial lending, wealth management, and operational departments.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for working capital, expansion, and equipment. Market share data is regionally specific and hard to pinpoint nationally; competitors include regional banks and national players like JP Morgan Chase. Precise numbers not publicly available. Competitors include KeyCorp and Huntington Bancshares.
- Residential Mortgages: Mortgages for home purchases and refinancing. Market share varies by region. Competitors include national mortgage lenders like Rocket Mortgage and local credit unions. Precise numbers not publicly available. Competitors include US Bancorp and PNC Financial Services.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share is geographically concentrated. Competitors include large national banks and online banks. Precise numbers not publicly available. Competitors include Bank of America and Wells Fargo.
- Wealth Management Services: Helps clients plan for their financial future. Competitors include Charles Schwab and Fidelity. Precise numbers not publicly available.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate volatility, increased regulatory scrutiny, and technological disruption. Community banks like Civista Bancshares are focused on relationship banking and serving local markets.
Positioning
Civista Bancshares positions itself as a community-focused bank with strong local ties and personalized service. Its competitive advantage lies in its knowledge of the local market and its ability to provide tailored financial solutions.
Total Addressable Market (TAM)
The TAM for community banking in Civista Bancshares' operating region is estimated to be in the billions of dollars. Civista Bancshares aims to capture a significant share of this market through its focus on customer service and local market expertise.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Established customer relationships
- Experienced management team
- Solid asset quality
- Diversified product and service offerings
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Reliance on traditional banking channels
- Vulnerable to interest rate fluctuations
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Growing demand for wealth management services
- Strategic acquisitions of other community banks
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Cybersecurity risks
- Regulatory changes
Competitors and Market Share
Key Competitors
- KEY
- HBAN
- FFBC
Competitive Landscape
Civista Bancshares faces competition from larger regional and national banks, as well as from fintech companies. Its advantages include its local market expertise and personalized customer service. However, it is at a scale disadvantage relative to larger competitors.
Major Acquisitions
The Farmers & Merchants State Bank of Archbold, Ohio
- Year: 2022
- Acquisition Price (USD millions): 79.4
- Strategic Rationale: Expanded Civista's footprint in Northwest Ohio.
Growth Trajectory and Initiatives
Historical Growth: Historically, Civista Bancshares has grown through organic expansion and strategic acquisitions. Growth rates vary depending on economic conditions and market opportunities.
Future Projections: Future growth projections depend on various factors, including interest rates, economic growth, and regulatory changes. Analyst estimates suggest continued moderate growth.
Recent Initiatives: Recent initiatives include investments in digital banking technology, expansion into new markets, and strategic partnerships.
Summary
Civista Bancshares is a community-focused bank with a strong regional presence and solid customer relationships. Its strengths lie in its local market expertise and customer service. However, it faces challenges related to competition from larger banks, interest rate volatility, and digital transformation. Overall, Civista Bancshares appears to be a fundamentally sound institution, though not extraordinary.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Market research reports
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market share data is estimated 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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