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Civista Bancshares, Inc. CIVB · Stock Open Civista Bancshares, Inc. in new tab

22.06 USD
P/E
11.22
EPS
2.00
Yield
3.16%
P/B
0.89
ROE
8.65
Beta
0.77
Target Price
23.58 USD
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Key Metrics
Earnings dateJuly 23, 2026
P/E11.22
EPS2.00
Book Value25.07
Price to Book0.89
% Insiders3.866%
Growth
Revenue Growth-0.03%
Earnings Growth-0.20%
Estimates
Forward P/E10.81
Forward EPS2.06
Target Mean Price23.58
Dividend
Dividend Yield3.16%
Annual dividends0.68 USD
Ex-Div. DateMay 5, 2026
Payout32.00%
5y avg Yield2.92%

DCF Valuation

Tweak assumptions to recompute fair value for Civista Bancshares, Inc. (CIVB)
Currency: USD
DCF Assumptions
Decimal (e.g., 0.10 = 10%). Range allows declines (−50%) to strong growth (+50%).
Decimal (e.g., 0.30 = 30%).
Decimal (e.g., 0.04 = 4%).
Decimal (e.g., 0.20 = 20%).
Percent number (e.g., 3 = 3%).
Percent number (e.g., 10 = 10%).
Percent number (e.g., 5 = 5%).
DCF Result

Fair Value (DCF)
Current Price
Upside
WACC
Terminal PV
Σ PV of FCFs
Note: historical bars show reported FCF (for context); forward bars show PV of projected FCF; if no per-year data, totals are shown.

Civista Bancshares, Inc. Logo Civista Bancshares, Inc. Analysis (CIVB)

United States Financials Official Website Stock

Is Civista Bancshares, Inc. a good investment? Civista Bancshares, Inc. (CIVB) is currently trading at 22.06 USD. Market analysts have a consensus price target of 23.58 USD. This suggests a potential upside from current levels.

In terms of valuation, the stock trades at a P/E ratio of 11.22. This relatively low multiple may signal that Civista Bancshares, Inc. is undervalued compared to historical market norms.

Earnings Schedule: Civista Bancshares, Inc. is expected to release its next earnings report on July 23, 2026. The market consensus estimate for Forward EPS is 2.06.

For income investors, Civista Bancshares, Inc. pays a dividend yield of 3.16%. With a payout ratio of 32%, the dividend appears sustainable.

Investor FAQ

Does Civista Bancshares, Inc. pay a dividend?

Yes, it pays an annual dividend of 0.68 USD (3.16% yield).

What asset class is Civista Bancshares, Inc.?

Civista Bancshares, Inc. is classified as a Stock. You can compare it against its peer in the "Related Symbols" list.

When is the next earnings date?

The next earnings date is projected to be July 23, 2026. The company currently has a trailing EPS of 2.00.

Company Profile

Civista Bancshares, Inc. operates as the financial holding company for Civista Bank that provides community banking services. It collects a range of customer deposits; and offers commercial and agriculture, commercial and residential real estate, farm real estate, real estate construction, consumer, and other loans, as well as letters of credit. The company also 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.

Exchange Ticker
NMS (United States) CIVB
Trades
Dividend Yield
3.16%
5y avg 2.92%
Annual Dividends
0.68USD
Next Ex. Div Date
May 5, 2026
Payout Ratio
32.00%
Dividend History paid per year (USD)
Historical Dividends
Year Total Dividends
2027
0.39 USD
May 18, 2027 (estimated) 0.1978
Feb. 16, 2027 (estimated) 0.1964
2026
0.74 USD
Nov. 17, 2026 (estimated) 0.1877
Aug. 18, 2026 (estimated) 0.1877
May 19, 2026 0.1800
Feb. 24, 2026 0.1800
2025
0.68 USD
Nov. 18, 2025 0.1700
Aug. 19, 2025 0.1700
May 13, 2025 0.1700
Feb. 18, 2025 0.1700
2024
0.64 USD
Nov. 19, 2024 0.1600
Aug. 20, 2024 0.1600
May 22, 2024 0.1600
March 1, 2024 0.1600
2023
0.61 USD
Nov. 21, 2023 0.1600
Aug. 22, 2023 0.1600
May 24, 2023 0.1500
March 1, 2023 0.1400
2022
0.56 USD
Nov. 22, 2022 0.1400
Aug. 23, 2022 0.1400
May 25, 2022 0.1400
March 1, 2022 0.1400
2021
0.52 USD
Nov. 1, 2021 0.1400
Aug. 2, 2021 0.1400
May 1, 2021 0.1200
Feb. 1, 2021 0.1200
2020
0.44 USD
Nov. 1, 2020 0.1100
Aug. 1, 2020 0.1100
May 1, 2020 0.1100
Feb. 1, 2020 0.1100
2019
0.42 USD
Nov. 1, 2019 0.1100
Aug. 1, 2019 0.1100
May 1, 2019 0.1100
Feb. 1, 2019 0.0900
2018
0.32 USD
Nov. 1, 2018 0.0900
Aug. 1, 2018 0.0900
May 1, 2018 0.0700
Feb. 1, 2018 0.0700
2017
0.25 USD
Nov. 1, 2017 0.0700
Aug. 1, 2017 0.0600
May 1, 2017 0.0600
Feb. 1, 2017 0.0600
2016
0.22 USD
Nov. 1, 2016 0.0600
Aug. 1, 2016 0.0600
May 2, 2016 0.0500
Feb. 1, 2016 0.0500
2015
0.20 USD
Nov. 2, 2015 0.0500
Aug. 1, 2015 0.0500
May 1, 2015 0.0500
Feb. 2, 2015 0.0500
2014
0.19 USD
Nov. 1, 2014 0.0500
Aug. 1, 2014 0.0500
May 1, 2014 0.0500
Feb. 1, 2014 0.0400
2013
0.15 USD
Nov. 1, 2013 0.0400
Aug. 1, 2013 0.0400
May 1, 2013 0.0400
Feb. 1, 2013 0.0300
2012
0.12 USD
Nov. 1, 2012 0.0300
Aug. 1, 2012 0.0300
May 1, 2012 0.0300
Feb. 1, 2012 0.0300
2011
0.03 USD
Nov. 1, 2011 0.0300
2009
0.25 USD
Nov. 2, 2009 0.0200
Aug. 1, 2009 0.0100
May 1, 2009 0.0700
Feb. 1, 2009 0.1500
2008
0.91 USD
Nov. 1, 2008 0.1500
Aug. 1, 2008 0.2000
May 1, 2008 0.2800
Feb. 1, 2008 0.2800
2007
1.12 USD
Nov. 1, 2007 0.2700
Aug. 1, 2007 0.2700
May 1, 2007 0.2900
Feb. 1, 2007 0.2900
2006
1.12 USD
Nov. 1, 2006 0.2800
Aug. 1, 2006 0.2800
May 1, 2006 0.2800
Feb. 1, 2006 0.2800
2005
1.12 USD
Nov. 1, 2005 0.2800
Aug. 1, 2005 0.2800
May 2, 2005 0.2800
Feb. 1, 2005 0.2800
2004
1.08 USD
Nov. 1, 2004 0.2700
Aug. 2, 2004 0.2700
May 1, 2004 0.2700
Feb. 2, 2004 0.2700
2003
1.04 USD
Nov. 1, 2003 0.2600
Aug. 1, 2003 0.2600
May 1, 2003 0.2600
Feb. 1, 2003 0.2600
2002
1.30 USD
Nov. 2, 2002 0.6100
Aug. 1, 2002 0.2500
May 1, 2002 0.2500
Feb. 1, 2002 0.1900
2001
0.73 USD
Nov. 1, 2001 0.1900
Aug. 1, 2001 0.1800
May 1, 2001 0.1800
Jan. 11, 2001 0.1800
2000
0.69 USD
Oct. 12, 2000 0.1800
July 13, 2000 0.1700
April 13, 2000 0.1700
Jan. 13, 2000 0.1700
1999
0.65 USD
Oct. 14, 1999 0.1700
July 15, 1999 0.1600
April 15, 1999 0.1600
Jan. 14, 1999 0.1600
1998
0.85 USD
Oct. 15, 1998 0.1600
July 16, 1998 0.1500
April 16, 1998 0.1500
April 7, 1998 0.1200
Jan. 26, 1998 0.1200
Jan. 15, 1998 0.1500
1997
0.57 USD
Oct. 16, 1997 0.1500
July 10, 1997 0.1400
April 10, 1997 0.1400
Jan. 16, 1997 0.1400
Upcoming Dividends
Name Payment Date Status Amount
Civista Bancshares, Inc. May 19, 2026 0.18 USD
Civista Bancshares, Inc. Feb 24, 2026 0.18 USD
Civista Bancshares, Inc. Nov 18, 2025 0.17 USD
Civista Bancshares, Inc. Aug 19, 2025 0.17 USD
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