US · CIVB
Civista Bancshares, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Sandusky, OH 44870-2514
- Website
- civb.com
Price · as of 2025-12-31
$25.07
Market cap 459.84M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $50.40 | +101.04% |
| Intrinsic Value(DCF) | $25.39 | +1.28% |
| Graham-Dodd Method(GD) | $36.04 | +43.76% |
| Graham Formula(GF) | $35.09 | +39.98% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $3.85 | $63.19 | $5.27 | $10.35 | $1.23 |
| 2012 | $4.87 | $42.97 | $20.38 | $10.24 | $4.78 |
| 2013 | $6.92 | $50.23 | $22.82 | $13.34 | $5.14 |
| 2014 | $8.34 | $21.33 | $22.52 | $11.90 | $15.73 |
| 2015 | $8.31 | $20.90 | $25.01 | $14.67 | $27.27 |
| 2016 | $17.98 | $23.98 | $27.68 | $18.45 | $32.69 |
| 2017 | $19.21 | $25.29 | $20.16 | $18.32 | $24.06 |
| 2018 | $17.49 | $36.39 | $20.08 | $15.99 | $30.16 |
| 2019 | $16.19 | $46.25 | $20.75 | $20.11 | $81.36 |
| 2020 | $20.09 | $52.05 | $21.20 | $20.36 | $28.53 |
| 2021 | $21.34 | $43.50 | $31.25 | $23.50 | $37.66 |
| 2022 | $17.56 | $35.90 | $31.54 | $18.63 | $56.68 |
| 2023 | $13.81 | $30.33 | $53.64 | $20.94 | $137.48 |
| 2024 | $19.16 | $29.97 | $23.99 | $17.56 | $38.76 |
| 2025 | $23.54 | $50.40 | $56.75 | $36.04 | $35.09 |
AI valuation
Our deep-learning model estimates Civista Bancshares, Inc.'s (CIVB) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $50.40
- Current price
- $25.07
- AI upside
- +101.04%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$25.39
+1.28% upside
Graham-Dodd
$36.04
+43.76% upside
Graham Formula
$35.09
+39.98% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| CIVB | Civista Bancshares, Inc. | $25.07 | 459.84M | +101% | +1% | +44% | +40% | 8.92 | 0.76 | 1.62 | -1.19 | 28.45 | 1.03 | 66.35% | 21.66% | 18.13% | 9.92% | 16.07% | 1.10% | 0.52 | 0.67 | — | — | 3.75 | 3134.00% | 540.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 43.53% | -1.19 | — | -0.26 | 0.45 |
| BSVN | Bank7 Corp. | $40.68 | 384.56M | +32% | +297% | -17% | +105% | 8.02 | 1.72 | 2.57 | 1.52 | 13.66 | 1.80 | 68.24% | 42.27% | 32.00% | 23.83% | -40.08% | 2.60% | 0.00 | 1.33 | 0.18 | 0.18 | -3.92 | 5869.00% | 918.00% | 985.00% | 13.88% | 0.04 | -44.60% | 2.20% | 17.60% | 13.90% | 1.54 | 1.83 | 0.65 | -0.42 |
| CBNK | Capital Bancorp, Inc. | $29.41 | 485.88M | +97% | -12% | -4% | +78% | 13.18 | 1.15 | 1.68 | 3.05 | — | 1.28 | 68.36% | 17.27% | 12.78% | 10.15% | 25.08% | 1.14% | 0.10 | 0.71 | 0.12 | 0.12 | -3.89 | -1686.00% | 1730.00% | -2760.00% | 8.03% | 0.01 | 26.53% | 1.29% | 17.00% | 42.49% | 3.21 | 4.09 | 0.55 | -0.61 |
| CWBC | Community West Bancshares | $23.23 | 445.1M | +181% | +63% | +14% | +124% | 11.67 | 1.09 | 2.29 | 8.93 | 3.39 | 1.46 | 72.62% | 26.99% | 19.61% | 9.88% | 13.27% | 1.06% | 0.35 | 1.06 | 0.05 | 0.05 | 0.45 | 34444.00% | 1852.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 13.34% | 8.93 | — | 2.41 | -0.50 |
| FBIZ | First Business Financial … | $54.65 | 454.98M | +15% | +74% | +37% | +61% | 8.90 | 1.21 | 1.60 | 10.93 | 53.84 | 1.25 | 57.29% | 21.65% | 18.02% | 14.37% | 13.57% | 1.27% | 0.68 | 0.55 | 0.31 | 26.62 | 3.52 | 1654.00% | 643.00% | 669.00% | 13.64% | 0.49 | 16.48% | 0.00% | 0.00% | 0.00% | 10.93 | 10.81 | 2.37 | 0.27 |
| FRBA | First Bank | $15.92 | 400.14M | +234% | +188% | +56% | +69% | 9.15 | 0.90 | 1.62 | 11.70 | 218.26 | 1.02 | 55.22% | 23.22% | 17.69% | 10.24% | 8.13% | 1.13% | 0.61 | 0.58 | 0.27 | 0.00 | 4.73 | 419.00% | 756.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 11.70 | — | 2.72 | -0.01 |
| HBCP | Home Bancorp, Inc. | $59.10 | 462.64M | -38% | -25% | -21% | +50% | 9.74 | 0.90 | 1.78 | 9.78 | — | 1.14 | 66.38% | 22.66% | 18.27% | 9.54% | 6.97% | 1.08% | 0.59 | 0.70 | 0.04 | 0.04 | 2.81 | -842.00% | 1183.00% | 1358.00% | 12.59% | 0.02 | 8.55% | 2.31% | 22.50% | 14.80% | 10.53 | 10.65 | 2.39 | -0.70 |
| KRNY | Kearny Financial Corp. | $7.65 | 481.05M | +555% | -29% | -27% | -30% | 15.36 | 0.54 | 1.17 | 13.29 | — | 0.63 | 44.14% | 9.02% | 7.59% | 3.48% | 2.55% | 0.34% | 1.68 | 0.16 | 1.20 | 1.20 | 30.36 | -13022.00% | 509.00% | -4982.00% | 5.34% | 0.00 | 2.09% | 6.90% | 106.00% | 120.99% | 15.38 | 22.30 | 1.39 | 0.33 |
| NFBK | Northfield Bancorp, Inc. | $13.34 | 557.13M | +208% | -6% | +30% | — | 675.84 | 0.78 | 2.92 | 2.32 | — | 0.78 | 35.34% | 9.25% | 0.43% | 0.11% | 2.82% | 0.01% | 1.48 | 0.15 | 0.59 | 0.59 | 17.38 | -9725.00% | -2669.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 7.90 | — | 0.73 | -0.10 |
| RRBI | Red River Bancshares, Inc… | $88.70 | 599.31M | +112% | +7% | -3% | +17% | 13.98 | 1.64 | 3.52 | -1.38 | 48.40 | 1.64 | 72.55% | 31.28% | 25.18% | 12.49% | -31.62% | 1.32% | 0.00 | 1.20 | 443.09 | 443.09 | -0.45 | 2889.00% | 834.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | -1.38 | — | -0.43 | 0.63 |
| UNTY | Unity Bancorp, Inc. | $53.19 | 534M | -6% | +19% | -20% | +24% | 10.23 | 1.43 | 2.60 | 8.06 | 178.61 | 1.44 | 62.55% | 33.35% | 25.42% | 14.88% | 12.34% | 1.58% | 0.78 | 0.95 | 0.10 | 0.10 | 0.88 | 573.00% | 819.00% | 292.00% | 11.15% | 0.02 | 14.07% | 1.18% | 12.10% | 31.32% | 8.44 | 9.71 | 2.81 | -0.50 |
About Civista Bancshares, Inc.
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 purchases securities; and provides trust and third-party insurance services. It operates approximately 42 locations in Northern, Central, Southwestern, and Northwestern Ohio, as well as Southeastern 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.
- CEO
- Dennis G. Shaffer
- Employees
- 520
- Beta
- 0.67
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($25.39 ÷ $25.07) − 1 = +1.28% (DCF, example).