Civista Bancshares Inc
Research Civista Bancshares Inc (CIVB) on Bullrun: valuation model: 38.4% undervalued, market cap USD 569.35M, P/E 10.2, dividend yield 2.6%. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerCIVB
- ExchangeNASDAQ
- CountryUnited States
- SectorFinancial Services
- IndustryBanks-Regional
- CurrencyUSD
- Valuation signal38.4% undervalued
- Market capUSD 569.35M
- P/E10.2
- Dividend yield2.6%
- Financial periodQ2 2026
- RevenueUSD 46.86M
- Net incomeUSD 14.32M
- Free cash flowUSD 16.71M
Valuation Snapshot
Bullrun's latest valuation model marks Civista Bancshares Inc as 38.4% undervalued; latest market cap is USD 569.35M; P/E is 10.2; dividend yield is 2.6%.
Peer valuation comparison
Latest P/E is 10.17x versus a Financial Services sector median of 13.84x (26.5% below).
Latest dividend yield is 2.59% versus a Financial Services sector median of 3.86% (32.8% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 19.02M | USD 46.21M | USD 42.12M | n/a | 2.64 | USD 77.32M | USD 284.18M | USD 543.47M |
| FY2024 | USD 19.12M | USD 31.68M | USD 44.06M | n/a | 2.01 | USD 63.16M | USD 450.88M | USD 388.50M |
| FY2023 | USD 30.45M | USD 42.96M | USD 59.27M | n/a | 2.73 | USD 60.41M | USD 454.19M | USD 372.00M |
| FY2022 | USD 24.54M | USD 39.43M | USD 18.68M | n/a | 2.6 | USD 43.36M | USD 178.74M | USD 328.77M |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-08-25 | USD 569.35M | 10.2 | 2.6% | 0.71 |
| 2025 | 2025-12-31 | USD 460.99M | 8.4 | 3.1% | 0.68 |
| 2024 | 2024-12-31 | USD 325.86M | 10.5 | 3.0% | 0.64 |
| 2023 | 2023-12-29 | USD 289.43M | 6.4 | 3.3% | 0.61 |
| 2022 | 2022-12-30 | USD 346.16M | 8.6 | 2.5% | 0.56 |
| 2021 | 2021-12-31 | USD 364.88M | 9.3 | 2.1% | 0.52 |
Dividend history
Latest trailing dividend snapshot: annual dividend/share 0.71 USD, yield 2.6%.
| Year | Dividends/share |
|---|---|
| FY2025 | 0.68 USD |
| FY2024 | 0.64 USD |
| FY2023 | 0.61 USD |
| FY2022 | 0.56 USD |
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.
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Frequently asked questions
Is Civista Bancshares Inc overvalued or undervalued?
Bullrun's valuation model currently marks Civista Bancshares Inc as 38.4% undervalued.
What is Civista Bancshares Inc's market cap?
Civista Bancshares Inc's market capitalization is USD 569.35M.
What is Civista Bancshares Inc's P/E ratio?
Civista Bancshares Inc's price-to-earnings (P/E) ratio is 10.2.
Does Civista Bancshares Inc pay a dividend?
Civista Bancshares Inc has a dividend yield of 2.6%.
What does Civista Bancshares Inc do?
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.