Price
No data yet.
Social Signal Score
Revenue
$39.28M+133.25%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Dennis G. Shaffer
- Sector
- Financial Services
- Industry
- Banks - Regional
- Employees
- 548
- Beta
- 0.65
- Country
- US
- Piotroski score
- 6 / 9 (Middling)
- Altman Z-score
- -0.53
Financials
Revenue
$39.28M+133.3%Net Income
$14.31M+289.0%EBITDA
$-8.58M-266.4%Free Cash Flow
$16.71M+561.3%EPS (diluted)
$0.69+102.9%Shares Outstanding (diluted)
20.77M+89.4%Operating Expenses
$29.87MCash & Debt
$765.10MReturn of Capital
$3.74MDividend per Share
$0.18Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $254.95M | $46.21M | $2.64 |
| 2024 | $241.90M | $31.68M | $2.01 |
| 2023 | $217.48M | $42.96M | $2.73 |
| 2022 | $152.98M | $39.43M | $2.60 |
| 2021 | $134.19M | $40.55M | $2.63 |
| 2020 | $126.18M | $32.19M | $2.00 |
| 2019 | $118.61M | $33.88M | $2.16 |
| 2018 | $90.74M | $14.14M | $1.02 |
| 2017 | $74.08M | $15.87M | $1.48 |
| 2016 | $69.09M | $17.22M | $1.96 |
| 2015 | $64.31M | $12.74M | $1.43 |
| 2014 | $59.04M | $9.53M | $0.99 |
| 2013 | $56.29M | $6.18M | $0.65 |
| 2012 | $57.33M | $5.58M | $0.57 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from CIVB's reported EPS growth of 12.5% a year over 13 years.
- EPS in 5 years
- $4.76
- Implied price
- $38.05
- Return from $27.02
- 7.1% a year
To earn 15.0% a year on these assumptions you'd need to buy at $18.92 — -30.0% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 4 | 6 | 8 | 10 | 12 |
|---|---|---|---|---|---|
| 2.5% | -15.1% | -7.9% | -2.4% | 2.0% | 5.8% |
| 7.5% | -10.9% | -3.4% | 2.3% | 7.0% | 11.0% |
| 12.5% | -6.8% | 1.1% | 7.1% | 12.0% | 16.1% |
| 17.5% | -2.6% | 5.6% | 11.8% | 17.0% | 21.3% |
| 22.5% | 1.5% | 10.1% | 16.6% | 21.9% | 26.5% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
100Social Signal Score
Mentions (1)
- Newsprnewswire.com·6h ago·Neutral
Civista Bancshares Completes Leadership Transition; Chuck Parcher Assumes Role as President and CEO Dennis Shaffer retires following more than 40 years in banking and will continue serving as Chairman of the Board SANDUSKY, Ohio, Aug. 31, 2026 /PRNewswire/ -- Civista Bancshares, Inc. (NASDAQ: CIVB) ("Civista") today announced the completion of its previously announced leadership transition. Charles A.
View source ↗
Earnings
Thu, Oct 22(in 7 weeks)
Consensus estimate $0.70 per share
Typical surprise +18.9% (median, so one quarter with a near-zero estimate can't distort it)
- Thu, Jul 23$0.69 vs $0.67beat
- Wed, Apr 22$0.74 vs $0.56beat
- Thu, Jan 29$0.75 vs $0.61beat
- Thu, Oct 23$0.68 vs $0.61beat
- Thu, Jul 24$0.66 vs $0.69miss
- Thu, Apr 24$0.66 vs $0.50beat
Estimates and results for CIVB via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by CIVB officers and directors.
- Bought
- $389k
- Sold
- —
15 trades
0 trades
- Weaks Nathan Ebought
- Weaks Nathan Ebought
- Weaks Nathan Ebought
- Whinnem Ianbought
- Weaks Nathan Ebought
- Weaks Nathan Ebought
- Weaks Nathan Ebought
- Shaffer Dennis Gbought
85 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.