/CIVB
CIVB Stock - Civista Bancshares, Inc.
Financial Services|Banks - RegionalNASDAQ
$23.91-0.95%
$0.23 (-0.95%) • Dec 19
69
GoAI Score
GoAI Score
Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.HOLD
Medium Confidence
Momentum
Momentum Score
Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.79
Sentiment
Sentiment Score
Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).59
Risk Score
Risk Score
Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.92
Price Target
Price Target
Average analyst price target from the last quarter. Shows expected upside/downside from current price.+4.6%upside
Target: $25.01
AI Analysis PreviewPremium
Real-time AI-powered market analysis
Precise entry/exit price targets
Risk assessment & position sizing
Unlock GoAI Insights for CIVB
Get institutional-grade AI analysis, real-time signals, and deep market intelligence powered by advanced machine learning.
Buy/Sell Signals
94% win rate on Alpha signals
Deep Analysis
Institutional-grade thesis
Real-Time Alerts
SMS & push notifications
Risk Scoring
Multi-factor analysis
Free 14-day trial • No credit card required
Active Trade Setup
ENTRY ZONE$23.67 – $24.15
TARGET (TP)$25.00
STOP LOSS$22.00
RISK/REWARD1:0.6
Premium members get real-time SMS alerts
Price Chart
Financial Statements
Revenue & Profitability Trend
← Swipe to see more →
Revenue
Net Income (Profit)
Net Loss
Key Metrics
Market CapN/A
P/E RatioN/A
Beta0.69
52W High$25.59
52W Low$17.47
Avg VolumeN/A
Income Statement (Fiscal Year)
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $241.90M | $217.48M | $152.98M | $134.19M | $126.18M |
| Gross Profit | $146.55M | $155.80M | $135.28M | $123.73M | $105.93M |
| Gross Margin | 60.6% | 71.6% | 88.4% | 92.2% | 84.0% |
| Operating Income | $36.57M | $50.61M | $47.03M | $48.38M | $37.13M |
| Net Income | $31.68M | $42.96M | $39.43M | $40.55M | $32.19M |
| Net Margin | 13.1% | 19.8% | 25.8% | 30.2% | 25.5% |
| EPS | $2.01 | $2.73 | $2.60 | $2.63 | $2.00 |
Company Overview
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.
Visit WebsiteRating Distribution
Strong Buy
0%
Buy / Outperform
3
75%
Hold / Neutral
1
25%
Sell / Underperform
0%
Analyst Consensus🟢 Bullish
3 Bullish1 Neutral/Bearish
Price Targets
$22
Average Target
↓ 6.8% Downside
Now
$16
Low
$22
Average
$27
High
Based on 7 analysts
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| October 27th 2025 | DA Davidson | Resumed | Buy | $26 |
| August 18th 2025 | Hovde Group | Downgrade | Market Perform | $22 |
| October 30th 2024 | Hovde Group | Upgrade | Outperform | $22 |
| April 1st 2024 | Hovde Group | Resumed | Market Perform | $16 |
| February 21st 2024 | Piper Sandler | Resumed | Neutral | $18 |
| May 3rd 2023 | Piper Sandler | Resumed | Overweight | - |
| November 30th 2022 | Janney | Initiation | Buy | $27 |
| July 29th 2022 | Hovde Group | Downgrade | Market Perform | $25← $27.5 |
Earnings History & Surprises
CIVBBeat Rate
78%
Last 18 quarters
Avg Surprise
+9.0%
EPS vs Estimate
Beats / Misses
14/4
Last 12 quarters
Latest EPS
$0.68
Q4 2025
EPS Surprise History
Q1 24
+6.9%
$0.62vs$0.58
Q2 24
-10.9%
$0.41vs$0.46
Q3 24
+15.4%
$0.45vs$0.39
Q4 24
+20.5%
$0.53vs$0.44
Q1 25
+18.9%
$0.63vs$0.53
Q2 25
+32.0%
$0.66vs$0.50
Q3 25
-4.3%
$0.66vs$0.69
Q4 25
+11.5%
$0.68vs$0.61
Beat Estimate
Missed Estimate
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 22, 2026 | — | — | — | — |
Q1 2026 | Jan 29, 2026 | $0.61 | — | — | — |
Q4 2025 | Oct 23, 2025 | $0.61 | $0.68 | +11.5% | ✓ BEAT |
Q3 2025 | Jul 24, 2025 | $0.69 | $0.66 | -4.3% | ✗ MISS |
Q2 2025 | Apr 24, 2025 | $0.50 | $0.66 | +32.0% | ✓ BEAT |
Q1 2025 | Jan 30, 2025 | $0.53 | $0.63 | +18.9% | ✓ BEAT |
Q4 2024 | Oct 29, 2024 | $0.44 | $0.53 | +20.5% | ✓ BEAT |
Q3 2024 | Jul 29, 2024 | $0.39 | $0.45 | +15.4% | ✓ BEAT |
Q2 2024 | Apr 30, 2024 | $0.46 | $0.41 | -10.9% | ✗ MISS |
Q1 2024 | Feb 8, 2024 | $0.58 | $0.62 | +6.9% | ✓ BEAT |
Q4 2023 | Oct 27, 2023 | $0.61 | $0.66 | +8.2% | ✓ BEAT |
Q3 2023 | Jul 28, 2023 | $0.72 | $0.64 | -11.1% | ✗ MISS |
Q2 2023 | Apr 28, 2023 | $0.81 | $0.82 | +1.2% | ✓ BEAT |
Q1 2023 | Feb 7, 2023 | $0.75 | $0.77 | +2.7% | ✓ BEAT |
Q4 2022 | Oct 27, 2022 | $0.56 | $0.72 | +28.6% | ✓ BEAT |
Q3 2022 | Jul 28, 2022 | $0.50 | $0.53 | +6.0% | ✓ BEAT |
Q2 2022 | Apr 28, 2022 | $0.63 | $0.57 | -9.5% | ✗ MISS |
Q1 2022 | Feb 4, 2022 | $0.61 | $0.73 | +19.7% | ✓ BEAT |
Q4 2021 | Oct 27, 2021 | $0.62 | $0.64 | +3.2% | ✓ BEAT |
Q3 2021 | Jul 23, 2021 | $0.57 | $0.70 | +22.8% | ✓ BEAT |
Latest News
DA Davidson Maintains Buy on Civista Bancshares, Maintains $26 Price Target
📈 PositiveBenzinga•Nov 21, 2025, 06:14 PM
DA Davidson Assumes Civista Bancshares at Buy, Announces Price Target of $26
📈 PositiveBenzinga•Oct 27, 2025, 11:34 AM
Keefe, Bruyette & Woods Maintains Outperform on Civista Bancshares, Raises Price Target to $27
📈 PositiveBenzinga•Oct 24, 2025, 03:40 PM•Also:
Civista Bancshares Q3 EPS $0.68 Beats $0.60 Estimate, Sales $44.178M Beat $43.633M Estimate
📈 PositiveBenzinga•Oct 23, 2025, 11:04 AM
Civista Bancshares And The Farmers Savings Bank Receive Required Approvals From The Applicable Bank Regulatory Agencies To Complete The Previously Announced Merger Of Farmers With And Into Civista Bank
📈 PositiveBenzinga•Oct 14, 2025, 08:52 PM
Frequently Asked Questions about CIVB
What is CIVB's current stock price?
Civista Bancshares, Inc. (CIVB) is currently trading at $23.91 per share. The stock has moved -0.95% today.
What is the analyst price target for CIVB?
The average analyst price target for CIVB is $25.00, based on 1 analyst.
What sector is Civista Bancshares, Inc. in?
Civista Bancshares, Inc. operates in the Financial Services sector, specifically within the Banks - Regional industry. The company is traded on the NASDAQ exchange.
What is CIVB's market cap?
Civista Bancshares, Inc. has a market capitalization of $0.46 billion, making it a small-cap company.
Does CIVB pay dividends?
No, Civista Bancshares, Inc. does not currently pay a dividend to shareholders.
Similar Stocks
Financial Services SectorBSVN
Bank7 Corp.
$43.82
Mkt Cap: $0.4B
CBNK
Capital Bancorp, Inc.
$29.04
Mkt Cap: $0.5B
CWBC
Community West Bancshares
$23.00
Mkt Cap: $0.4B
FBIZ
First Business Financial Services, Inc.
$56.86
Mkt Cap: $0.5B
FRBA
First Bank
$17.78
Mkt Cap: $0.4B
HBCP
Home Bancorp, Inc.
$60.92
Mkt Cap: $0.5B
KRNY
Kearny Financial Corp.
$7.87
Mkt Cap: $0.5B
NFBK
Northfield Bancorp, Inc.
$12.03
Mkt Cap: $0.5B
RRBI
Red River Bancshares, Inc.
$75.31
Mkt Cap: $0.5B
UNTY
Unity Bancorp, Inc.
$54.72
Mkt Cap: $0.5B
Explore stocks similar to CIVB for comparison