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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
09/28/2026: CIVB (2-star) is currently NOT-A-BUY. Pass it for now.
Civista Bancshares, Inc. is a regional financial holding company primarily serving communities across Ohio, Indiana, and Kentucky. The bank maintains a steady, relationship-focused business model, leveraging a diverse mix of commercial, retail, and wealth management services to drive revenue. Key strengths include its established local footprint and consistent dividend history, which may appeal to income-oriented investors. However, the company faces risks from intense competition, geographic concentration, and interest rate sensitivity. Investors should monitor the bank's ability to integrate acquisitions efficiently, manage credit quality, and navigate the evolving digital banking landscape to sustain future growth.
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 | Growth is largely dependent on regional economic conditions and opportunistic M&A rather than rapid technological scaling. |
| Momentum investor | Weak fit | The stock typically exhibits steady, utility-like price movements rather than aggressive momentum-driven trends. |
| Value investor | Strong fit | Regional banks are often traded based on book value and P/E ratios, which may appeal to value-oriented investors. |
| Dividend investor | Strong fit | The company provides a consistent dividend that can serve as a steady income source. |
| Low-risk investor | Mixed fit | While more stable than growth stocks, the banking sector carries inherent credit and interest rate risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock is subject to broader market trends and interest rate expectations. |
| Valuation risk | Low | Bank valuations are generally transparent, linked closely to earnings and book value. |
| Competition risk (banking) | High | Competition from larger, better-capitalized banks can pressure margins and market share. |
| Business quality | Medium | The bank maintains a solid community reputation but lacks the scale of national peers. |
| Dividend income | Low | Dividends are generally stable but not as high-yielding as specialized income vehicles. |
| Execution risk | Medium | The strategy relies on successful integration of acquisitions and credit risk management. |
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 45.02% | Avg. Invested days 52 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/28/2026 |
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 562.69M USD | Price to earnings Ratio 10.1 | 1Y Target Price 31.17 |
Price to earnings Ratio 10.1 | 1Y Target Price 31.17 | ||
Volume (30-day avg) 160.0K shares | Beta 0.64 | 52 Weeks Range 19.14 - 29.60 | Updated Date 09/27/2026 |
52 Weeks Range 19.14 - 29.60 | Updated Date 09/27/2026 | ||
Dividends yield (FY) 2.59% | Basic EPS (TTM) 2.68 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and retail loans minus interest paid on deposits. | This is the core profit engine, highly sensitive to interest rates. |
| Non-Interest Income | Service fees, mortgage banking income, and wealth management fees. | These fees provide a critical hedge against interest rate fluctuations. |
Valuation
Trailing PE 10.1 | Forward PE 9.53 | Enterprise Value 735.08M | Price to Sales(TTM) 3.07 |
Enterprise Value 735.08M | Price to Sales(TTM) 3.07 | ||
Enterprise Value to Revenue 4.37 | Enterprise Value to EBITDA - | Shares Outstanding 20.79M | Shares Floating 20.29M |
Shares Outstanding 20.79M | Shares Floating 20.29M | ||
Percent Insiders 2.05 | Percent Institutions 67.5 |
Upturn AI Summary
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.
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.
About Civista Bancshares Inc
Exchange NASDAQ | Headquarters Sandusky, OH, United States | ||
IPO Launch date 2001-01-02 | CEO - | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 548 | Website https://www.civb.com |
Full time employees 548 | Website https://www.civb.com | ||
Civista Bancshares, Inc. operates as the financial holding company for Civista Bank that provides 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; and automated teller services. It also provides internet banking; ACH origination; telephone banking; and mobile/digital banking services, as well as remote deposit capture banking services for retail and business customers. In addition, the company offers time deposits that consist of certificates of deposit, including those held in IRA accounts and reciprocal deposits. Further, 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. Additionally, the company holds and manages securities portfolio; leases general equipment; and provides captive insurance products and investment advisory services. 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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