Civista Bancshares Inc. Common Stock (CIVB)

FairStock Score: 71/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

At the close on 2026-10-13, Civista trades at $26.68, and FairStock calculates a P/E of 9.92 and a price-to-book ratio of 0.98. That is a Graham-style bargain only if book value is real and earnings are durable. The FairStock ROE is 11.19%, respectable for a small regional bank, and the 2.70% dividend yield with a beta of 0.65 suggests a modest, rate-sensitive business. Filed results show net income of $46.2M and diluted EPS of $2.64 in the fiscal year ended 2025-12-31, up from net income of $31.7M and diluted EPS of $2.01 in the fiscal year ended 2024-12-31. However, diluted EPS was $2.73 in the fiscal year ended 2023-12-31, so the trend is not a straight line. FairStock's Lynch category is SLOW GROWER, citing 7.5% annual profit growth and 2.3% revenue growth over five years, so I would not pay for acceleration. The Piotroski F-Score of 4/9 is mediocre and argues for caution. The filed revenue line also looks internally inconsistent—revenue of $19.0M in the fiscal year ended 2025-12-31 against $46.2M of net income—so I would verify the top line before trusting it. I cannot assess CET1, net interest margin, nonperforming assets, charge-offs, loan-loss reserves, or efficiency ratio from this data; those are the real underwriting tests. At 0.98 times book, the market is pricing in credit and growth skepticism. The low P/E and FairStock PEG of 0.21 may be attractive, but slow growth and missing bank risk metrics mean a wider margin of safety would be warranted.

In plain English: Civista Bancshares is the holding company for Civista Bank, which offers checking, savings, loans, and digital banking to individuals and businesses. It is profitable, pays a dividend, and its shares trade around the value of its accounting net worth for a reasonable earnings yield. Long-term growth has been slow, and the available data leaves gaps on loan quality, so the stock looks modestly cheap rather than an obvious bargain.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer