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CIVB

Civista Bancshares, Inc.

Financial Services · $562M market cap

Verdict

Share price

$26.98

close of Oct 3, 2026

Fair value

$69.56

Sticker Price

Payback Price

$27.82

buy price

On Sale

CIVB is On Sale: at $26.98 it trades 3% below its buy price (Payback Price) of $27.82 and 61% below its fair value of $69.56. Business quality is limited: only 1 of 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

1 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth17.6% a year✓
Equity per share growth5.2% a year✗
Sales growth8.1% a year✗
Free cash flow growth8.5% a year✗
Return on invested capital4.6%✗

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Insider activity

Since Jul 29, 2026: no open-market purchases and 2 other filings (stock awards, tax withholding and similar). Why purchases matter

Other filings

Doucette Veronica G

SVP/Human Resources Officer · 2026-08-07

D-Return

$15K

Macioce Mark J.

director · 2026-07-29

D-Return

$2K

About Civista Bancshares, Inc.

Serving as the financial holding company for Civista Bank, Civista Bancshares, Inc. delivers comprehensive community banking services. The company actively gathers various customer deposits and provides a broad spectrum of lending products, encompassing commercial, agricultural, residential and commercial real estate, farm real estate, and construction loans, as well as consumer credit and letters of credit. Beyond…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works