Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
CIVB
STRONG BUYAPPROVECivista Bancshares, Inc. · Financial Services · United States · $594M · Avg Vol: $4M/d
Civista Bancshares clears the calibrated bar. All three legs are above the floor (Q54 V56 M69) and an active buyback provides the required corroboration. Nothing adverse is on file: no negative earnings revision and no insider selling. Momentum at M69 is the strongest part of the case, and higher-for-longer rates support net interest margin for a deposit-funded community lender.
COMPANY DESCRIPTION
Civista Bancshares, Inc. is a community bank holding company that provides a full range of commercial and consumer banking services through Civista Bank, primarily across Ohio and Indiana. The company differentiates itself through localized decision-making, strong customer relationships, and a commitment to serving the financial needs of its regional communities.
FINANCIAL SUMMARY (USD)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | 137.0M | 160.2M | 151.9M | 169.8M | 7.4% | 178.0M | 188.9M | 197.5M | 7.8% |
| EPS | 2.63 | 2.60 | 2.73 | 2.01 | 2.64 | 0.1% | 2.70 | 2.69 | 2.75 | 2.1% |
| Shares | — | 15.7M | 15.7M | 15.5M | 20.7M | +31.9% | 20.8M | — | — | — |
| Debt | — | 618.2M | 454.2M | 450.9M | 284.2M | -22.8% | 216.7M | — | — | — |
| Equity | — | 334.8M | 372.0M | 388.5M | 543.5M | 17.5% | — | — | — | — |
| Op CF | — | 25.2M | 62.7M | 48.2M | 43.3M | 19.8% | 51.8M | — | — | — |
| Inv CF | — | -410.4M | -311.8M | -258.8M | 55.6M | — | — | — | — | — |
| Fin CF | — | 164.3M | 266.1M | 213.3M | -84.7M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of CIVB are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| CIVB | Civista Bancshares, Inc.(you) | $594M | 83 | STRONG BUY |
| FBIZ | First Business Financial Services, Inc. | $562M | 82 | STRONG BUY |
| ACNB | ACNB Corporation | $634M | 82 | STRONG BUY |
| HBCP | Home Bancorp, Inc. | $552M | 80 | STRONG BUY |
| PFIS | Peoples Financial Services Corp. | $695M | 85 | STRONG BUY |
| COFS | ChoiceOne Financial Services, Inc. | $489M | 85 | STRONG BUY |
| CBNK | Capital Bancorp, Inc. | $588M | 78 | BUY |
| WTBA | West Bancorporation, Inc. | $464M | 85 | STRONG BUY |
| BWFG | Bankwell Financial Group, Inc. | $496M | 80 | STRONG BUY |
| AROW | Arrow Financial Corporation | $611M | 76 | BUY |
Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%