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Upturn AI SWOT - About
CIVB 
Civista Bancshares Inc (CIVB)
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Upturn Advisory Summary
07/17/2025: CIVB (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $25.67
1 Year Target Price $25.67
| 3 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 34.5% | Avg. Invested days 47 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 334.90M USD | Price to earnings Ratio 9.55 | 1Y Target Price 25.67 |
Price to earnings Ratio 9.55 | 1Y Target Price 25.67 | ||
Volume (30-day avg) 6 | Beta 0.68 | 52 Weeks Range 14.55 - 25.59 | Updated Date 07/17/2025 |
52 Weeks Range 14.55 - 25.59 | Updated Date 07/17/2025 | ||
Dividends yield (FY) 2.95% | Basic EPS (TTM) 2.26 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 23.12% | Operating Margin (TTM) 33.65% |
Management Effectiveness
Return on Assets (TTM) 0.88% | Return on Equity (TTM) 9.25% |
Valuation
Trailing PE 9.55 | Forward PE 9.53 | Enterprise Value 748814464 | Price to Sales(TTM) 2.18 |
Enterprise Value 748814464 | Price to Sales(TTM) 2.18 | ||
Enterprise Value to Revenue 5.19 | Enterprise Value to EBITDA - | Shares Outstanding 15519100 | Shares Floating 14948436 |
Shares Outstanding 15519100 | Shares Floating 14948436 | ||
Percent Insiders 2.74 | Percent Institutions 56.56 |
Upturn AI SWOT
Civista Bancshares Inc
Company Overview
History and Background
Civista Bancshares, Inc. was founded in 1884 and is headquartered in Sandusky, Ohio. Originally known as The Citizens Banking Company, it has grown through organic expansion and acquisitions, providing community banking services throughout northern, central, and southwestern Ohio, and southeastern Indiana.
Core Business Areas
- Community Banking: Offers traditional banking services including checking and savings accounts, loans (commercial, agricultural, residential mortgage, and consumer), and other financial services to individuals and businesses.
- Wealth Management: Provides trust, investment management, and financial planning services.
Leadership and Structure
Dennis G. Shaffer is the President and CEO. The company has a Board of Directors overseeing the management team. Organizational structure consists of various departments managing different banking functions like lending, operations, and finance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for working capital, equipment, and real estate. Market share data unavailable at this granular product level. Competitors include regional and national banks like Huntington Bancshares (HBAN), Fifth Third Bancorp (FITB), and KeyCorp (KEY).
- Residential Mortgages: Loans for purchasing or refinancing homes. Market share data unavailable at this granular product level. Competitors include national mortgage lenders like Rocket Companies (RKT) and PennyMac Financial Services (PFSI) as well as regional banks.
- Deposit Accounts: Checking, savings, money market, and certificate of deposit accounts. Market share data unavailable at this granular product level. Competitors include all local, regional, and national banks.
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition from fintech companies and online lenders, rising interest rates, and evolving regulatory landscape. Community banks face pressure to maintain profitability while providing personalized service.
Positioning
Civista Bancshares positions itself as a community-focused bank offering personalized service and local expertise. It competes with larger regional and national banks, as well as smaller community banks, by emphasizing relationship banking.
Total Addressable Market (TAM)
The total addressable market for banking services in Civista's operating region is estimated to be in the billions of dollars. Civista's is focused on securing a share of this TAM via superior customer service and localized service.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Experienced management team
- Focus on customer service
- Diversified loan portfolio
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger competitors
- Higher operating expenses than pure digital competitors
- Dependence on net interest income
Opportunities
- Expanding into new markets through acquisitions
- Developing new digital banking services
- Increasing fee income through wealth management
- Capitalizing on the growing demand for community banking
Threats
- Increasing competition from larger banks and fintech companies
- Rising interest rates and economic downturns
- Changes in banking regulations
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- Huntington Bancshares (HBAN)
- Fifth Third Bancorp (FITB)
- KeyCorp (KEY)
Competitive Landscape
Civista's advantages lie in its community focus and personalized service, but it faces disadvantages due to its smaller size and limited resources compared to larger competitors.
Major Acquisitions
FCB Bancorp, Inc.
- Year: 2022
- Acquisition Price (USD millions): 116.2
- Strategic Rationale: Expansion into central Ohio market and enhanced presence in Columbus metropolitan area
Growth Trajectory and Initiatives
Historical Growth: Requires specific historical financial data. Civista's growth has primarily been driven by organic expansion and strategic acquisitions of other banks.
Future Projections: Future projections are based on analysts estimates. Analyst estimates are unavailable without a paid financial data source.
Recent Initiatives: Focus on digital banking improvements and expansion of wealth management services. Continued focus on improving commercial lending services and client retention.
Summary
Civista Bancshares is a community bank focused on providing personalized service in its operating region. It has a strong understanding of its customer base, but is smaller than many of its competitors. Civista's future growth will likely depend on strategic acquisitions and expansion of its digital banking capabilities. The company should be wary of competition with larger banks, and economic downturns.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Market research reports
- Industry analysis
Disclaimers:
This analysis is based on available information and estimates. Actual results may vary. This is not financial advice.
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 & Vice Chairman Mr. Dennis G. Shaffer | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 520 | Website https://www.civb.com |
Full time employees 520 | 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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