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CIVB 
Civista Bancshares Inc (CIVB)
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Upturn Advisory Summary
11/04/2025: CIVB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $24.6
1 Year Target Price $24.6
| 3 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 31.09% | Avg. Invested days 40 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/04/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 416.96M USD | Price to earnings Ratio 8.12 | 1Y Target Price 24.6 |
Price to earnings Ratio 8.12 | 1Y Target Price 24.6 | ||
Volume (30-day avg) 6 | Beta 0.72 | 52 Weeks Range 17.05 - 25.17 | Updated Date 11/4/2025 |
52 Weeks Range 17.05 - 25.17 | Updated Date 11/4/2025 | ||
Dividends yield (FY) 3.11% | Basic EPS (TTM) 2.66 |
Earnings Date
Report Date 2025-10-29 | When Before Market | Estimate 0.6 | Actual 0.7096 |
Profitability
Profit Margin 26.88% | Operating Margin (TTM) 37.74% |
Management Effectiveness
Return on Assets (TTM) 1.07% | Return on Equity (TTM) 9.81% |
Valuation
Trailing PE 8.12 | Forward PE 9.53 | Enterprise Value 695342784 | Price to Sales(TTM) 2.56 |
Enterprise Value 695342784 | Price to Sales(TTM) 2.56 | ||
Enterprise Value to Revenue 5.86 | Enterprise Value to EBITDA - | Shares Outstanding 19312726 | Shares Floating 18716928 |
Shares Outstanding 19312726 | Shares Floating 18716928 | ||
Percent Insiders 2.31 | Percent Institutions 49.52 |
Upturn AI SWOT
Civista Bancshares Inc
Company Overview
History and Background
Civista Bancshares, Inc. was founded in 1884 as The Citizens Banking Company. It has grown through organic expansion and acquisitions, evolving from a local community bank to a regional financial institution.
Core Business Areas
- Community Banking: Provides a range of banking services including checking and savings accounts, loans (commercial, consumer, and mortgage), and other financial products to individuals and businesses.
- Wealth Management: Offers wealth management services, including financial planning, investment management, and trust services.
Leadership and Structure
Dennis G. Shaffer serves as CEO. The company has a traditional corporate structure with a board of directors overseeing management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers commercial loans to businesses for various purposes. Market share data unavailable. Competitors include regional banks and credit unions such as Huntington Bancshares (HBAN) and Fifth Third Bancorp (FITB).
- Mortgage Loans: Provides mortgage loans for residential properties. Market share data unavailable. Competitors include national lenders like Wells Fargo (WFC) and JPMorgan Chase (JPM).
- Deposit Accounts: Offers various deposit accounts like checking, savings, and money market accounts. Market share data unavailable. Competitors include local and national banks.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, regulatory changes, and technological advancements. Competition is strong among banks and non-bank financial institutions.
Positioning
Civista Bancshares Inc positions itself as a community-focused bank offering personalized service and local expertise. It differentiates through relationship banking and community involvement.
Total Addressable Market (TAM)
The TAM for community banking in the US is substantial, estimated in the trillions of dollars. Civista Bancshares Inc aims to capture a portion of this market through its regional presence and targeted services.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Experienced management team
- Solid asset quality
- Diversified loan portfolio
Weaknesses
- Limited geographic presence
- Smaller scale compared to larger competitors
- Dependence on net interest income
- Lower brand recognition than national banks
Opportunities
- Expansion into new markets
- Increased demand for wealth management services
- Adoption of digital banking technologies
- Potential for acquisitions
Threats
- Increasing competition from larger banks
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- HBAN
- FITB
- CFBK
- UMPQ
- WSBC
Competitive Landscape
Civista Bancshares Inc competes primarily with larger regional and national banks. Its advantages include community focus and personalized service, while disadvantages include limited scale and brand recognition.
Major Acquisitions
vision Financial Group, Inc.
- Year: 2016
- Acquisition Price (USD millions): 89.6
- Strategic Rationale: Expanded market presence in Central Ohio.
Growth Trajectory and Initiatives
Historical Growth: Civista Bancshares Inc has experienced steady growth in assets, loans, and deposits over the past years.
Future Projections: Analysts project continued growth in the coming years, driven by organic expansion and potential acquisitions.
Recent Initiatives: Recent initiatives include investments in digital banking technology and expansion into new markets.
Summary
Civista Bancshares Inc is a well-managed community bank with a strong financial position. Its community focus and personalized service are working well, but it needs to be aware of the rising threats from larger banks and economic downturn. It should continue to invest in digital banking to be competitive and explore acquisition opportunities for growth.
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Sources and Disclaimers
Data Sources:
- Company filings, analyst reports, market data providers
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is based on 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 523 | Website https://www.civb.com |
Full time employees 523 | 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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