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CIVISTA BANCSHARES, INC. CIVB

Nasdaq · stock · State Commercial Banks · website · IPO 1993-10-27 · LEI

CIVISTA BANCSHARES, INC. statistics & valuation

Market cap$595.9M
P / E12.9×
P / S31.3×
P / B1.1×
P / FCF14.1×
Dividend yield1.99%
Net margin242.9%
Return on equity8.5%
FCF margin221.4%
Graham number +49.9%$43.05

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($43.05); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
129.40% 116.40% 92.30% 190.50% 190.00% 206.50% 160.70% 141.10% 165.70% 242.90% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
12.50% 8.60% 4.70% 10.30% 9.20% 11.40% 12.00% 11.50% 8.20% 8.50% 2016201720182019202020212022202320242025
Shares outstanding
11.0M 12.4M 13.9M 16.9M 16.1M 15.3M 15.0M 15.2M 15.4M 17.4M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
1.30% 1.00% 0.70% 1.50% 1.20% 1.30% 1.10% 1.10% 0.80% 1.10% 2016201720182019202020212022202320242025
Free cash flow margin (%)
114.80% 145.20% 118.50% 200.20% 181.00% 197.80% 76.10% 194.70% 230.40% 221.40% 2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
$1.57 $1.28 $1.02 $2.01 $2.00 $2.63 $2.60 $2.73 $2.01 $2.64 2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

CIVISTA BANCSHARES, INC. trades at about 10.9× earnings — near its 10-year norm (10-year range 6.3×–18.4×, median 11×).

6.3× 18.4×

Shaded band = 10-year range (6.3×–18.4×); dot = today's 10.9×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin242.9%165.7%141.1%160.7%206.5%190.0%190.5%92.3%116.4%129.4%
FCF margin221.4%230.4%194.7%76.1%197.8%181.0%200.2%118.5%145.2%114.8%
Return on assets1.1%0.8%1.1%1.1%1.3%1.2%1.5%0.7%1.0%1.3%
Return on equity8.5%8.2%11.5%12.0%11.4%9.2%10.3%4.7%8.6%12.5%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.