Stocktoria
CIVISTA BANCSHARES, INC. CIVB
CIVISTA BANCSHARES, INC. (CIVB) earns a Piotroski F-score of 3/9 (weak financial health). It pays a dividend yielding 1.99% (safety: safe). FY2025 revenue was $19.0M at a 242.9% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 3/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| CIVB | CIVISTA BANCSHARES, INC. | 3/9 | — | 12.9 | -0.5% |
| TYFG | Tri-County Financial Group, Inc. | 5/9 | — | — | +10.2% |
| FXNC | FIRST NATIONAL CORP /VA/ | 4/9 | — | 15.6 | +0.8% |
| MCB | Metropolitan Bank Holding Corp. | 4/9 | — | 17.4 | -53.8% |
| BFST | Business First Bancshares, Inc. | 5/9 | — | 11.5 | +1.2% |
| CZFS | CITIZENS FINANCIAL SERVICES INC | 5/9 | — | 9.7 | — |
| NWFL | NORWOOD FINANCIAL CORP | 5/9 | — | 12.7 | — |
All Finance, Insurance & Real Estate companies →
About CIVISTA BANCSHARES, INC.
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.
FAQ
Is CIVB financially healthy?
CIVISTA BANCSHARES, INC.'s Piotroski F-score is 3/9 (8–9 is excellent, 0–3 weak).
Does CIVB pay a dividend, and is it safe?
Yes. CIVISTA BANCSHARES, INC. pays a dividend yielding about 1.99% with a 25.6% payout ratio, rated “safe” for safety.
How profitable is CIVB?
In FY2025, CIVISTA BANCSHARES, INC. had a net margin of 242.9% and a return on equity of 8.5%.
Is CIVB overvalued or undervalued?
CIVISTA BANCSHARES, INC. trades at about 10.9× trailing earnings — near its 10-year norm (10-year range 6.3×–18.4×, median 11.0×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for CIVB?
The average Wall-Street price target for CIVISTA BANCSHARES, INC. is $28.67, about 0.2% below the recent price, from 6 analysts (consensus: buy).
Is CIVB a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on CIVISTA BANCSHARES, INC.: a Piotroski F-score of 3/9, a P/E of about 12.9×, a dividend yield of 1.99%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.