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Civista Bancshares, Inc. (CIVB)

Financial Services | Banks - Regional | Sandusky, United States | NasdaqCM
27.48 USD +0.05 (0.182%) ⇧ (Aug. 28, 2026, 4 p.m. EDT)
After hours: 27.48

Short-term:★★★⯪☆Long-term:★★★★☆Dividends:★★★⯪☆
Hot Take | Aug. 22, 2026, 4:58 a.m. EDT

Civista Bancshares presents a compelling case for a medium-term swing trade driven by a confluence of undervaluation and improving momentum. Fundamentally, the stock is trading at a discount to its book value (P/B of 1.01x) and offers an attractive forward P/E of roughly 9.5x, while earnings are showing robust quarterly growth of 30%. The balance sheet appears healthy with a low payout ratio of 26%, leaving ample room for future dividend increases. However, the price action over the last few months has been lackluster, failing to capitalize on these strong fundamentals, which creates a classic 'value trap' setup that is now resolving into a momentum play. The recent price recovery, combined with a 13.5% revenue growth rate, suggests the market is beginning to reassess the business quality. While the statistical forecasting model offers only a weak lean upward, this is likely due to the recent consolidation phase; the fundamental thesis remains intact. For investors, the setup looks like a high-probability entry to ride the earnings growth story, with the $30 strike acting as a natural resistance target where options flow suggests significant speculative interest.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.056725
MSTL0.059112
AutoETS0.063384
AutoARIMA0.064375

Forecast horizon: 45 days | Selected: AutoTheta

Forecast Reliability
Score 51%
H-stat 1.33
Ljung-Box p 0.000
Jarque-Bera p 0.428
Excess Kurtosis -0.40
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-08-13
Last Dividend Date 2026-08-03
Revenue per Share 9.144
Market Cap 571,425,664
Trailing P/E 10.25
Forward P/E 9.45
Beta 0.65
Profit Margins 29.62%
Website https://www.civb.com

As of Aug. 22, 2026, 4:58 a.m. EDT: Speculators are positioning for a modest upside move with heavy call open interest at the $30 strike across multiple expirations, suggesting a target price near the 52-week high. Conversely, put open interest is concentrated at lower strikes ($20-$22.50), indicating a floor or downside protection level well below current prices. Implied volatility is significantly elevated for near-term puts compared to calls, reflecting a fear of a sharp drop in the immediate term despite the bullish bias in open interest.


Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.62% 2.88% 3.44% 3.19%
Dividend History
Date Dividend Yield %
2026-08-04 0.18 0.618769
2026-05-05 0.18 0.722601
2026-02-10 0.18 0.746269
2025-11-04 0.17 0.795880
2025-08-05 0.17 0.879007
2025-04-29 0.17 0.754215
2025-02-04 0.17 0.806452
2024-11-05 0.16 0.764818
2024-08-06 0.16 1.023672
2024-05-06 0.16 1.124385
2024-02-12 0.16 1.005657
2023-11-06 0.16 1.079622
2023-08-07 0.16 0.858830
2023-05-08 0.15 1.038781
2023-02-13 0.14 0.652073
2022-11-07 0.14 0.591966
2022-08-08 0.14 0.649954
2022-05-09 0.14 0.669536
2022-02-14 0.14 0.578035
2021-10-18 0.14 0.565428
2021-07-19 0.14 0.626679
2021-04-19 0.12 0.521059
2021-01-15 0.12 0.640683
2020-10-19 0.11 0.793079
2020-07-20 0.11 0.802334
2020-04-20 0.11 0.788530
2020-01-17 0.11 0.471698
2019-10-21 0.11 0.501825
2019-07-22 0.11 0.504587
2019-04-22 0.11 0.517160
2019-01-18 0.09 0.464876
2018-10-22 0.09 0.383468
2018-07-23 0.09 0.361736
2018-04-23 0.07 0.301075
2018-01-22 0.07 0.311526
2017-07-14 0.06 0.285714
2017-04-13 0.06 0.274600
2017-01-19 0.06 0.292255
2016-10-14 0.06 0.419580
2016-07-15 0.06 0.431344
2016-04-15 0.05 0.462963
2016-01-14 0.05 0.458716
2015-10-16 0.05 0.502513
2015-07-17 0.05 0.487329
2015-04-17 0.05 0.454545
2015-01-15 0.05 0.494560
2014-10-17 0.05 0.494071
2014-07-11 0.05 0.566251
2014-04-11 0.05 0.570125
2014-01-16 0.04 0.562588
2013-10-10 0.04 0.627943
2013-07-12 0.04 0.563380
2013-04-12 0.04 0.542005
2013-01-11 0.03 0.530973
2012-10-12 0.03 0.517241
2012-07-13 0.03 0.519031
2012-04-13 0.03 0.509338
2012-01-12 0.03 0.697674
2011-10-14 0.03 0.857143
2009-10-16 0.02 0.368324
2009-07-17 0.01 0.212314
2009-04-17 0.07 0.995733
2009-01-15 0.15 2.332815
2008-10-17 0.15 1.805054
2008-07-11 0.20 1.941748
2008-04-11 0.28 1.932367
2008-01-11 0.28 2.002861
2007-10-12 0.27 1.602374
2007-07-13 0.27 1.500000
2007-04-13 0.29 1.476578
2007-01-11 0.29 1.462431
2006-10-13 0.28 1.428571
2006-07-14 0.28 1.417722
2006-04-13 0.28 1.346154
2006-01-12 0.28 1.287356
2005-10-14 0.28 1.414141
2005-07-15 0.28 1.317647
2005-04-15 0.28 1.212121
2005-01-13 0.28 1.191489
2004-10-15 0.27 1.223935
2004-07-16 0.27 1.174424
2004-04-16 0.27 1.026226
2004-01-15 0.27 0.915254
2003-10-17 0.26 0.962250
2003-07-11 0.26 0.963677
2003-04-11 0.26 0.742857
2003-01-16 0.26 1.033797
2002-10-11 0.61 2.595745
2002-07-12 0.25 1.205982
2002-04-12 0.25 1.190476
2002-01-11 0.19 0.832968
2001-10-12 0.51 2.081633
2001-10-11 0.19 0.775510
2001-07-13 0.18 0.837209
2001-04-12 0.18 0.935065
Additional Data
dividendRate 0.72
dividendYield 2.62
exDividendDate 2026-08-14
trailingAnnualDividendRate 0.7
trailingAnnualDividendYield 0.025519503
lastDividendValue 0.18
lastDividendDate 2026-08-04
dividendDate 2026-08-18

Info Dump

Attribute Value
52 Week Change 0.31044352
Address1 100 East Water Street
Address2 PO Box 5016
All Time High 40.5
All Time Low 3.21
Ask 35.39
Ask Size 2
Audit Risk 8
Average Daily Volume10 Day 181,940
Average Daily Volume3 Month 144,301
Average Volume 144,301
Average Volume10Days 181,940
Beta 0.651
Bid 19.63
Bid Size 2
Board Risk 5
Book Value 27.257
City Sandusky
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 9
Country United States
Crypto Tradeable 0
Currency USD
Current Price 27.48
Custom Price Alert Confidence HIGH
Date Short Interest 1,786,665,600
Day High 27.67
Day Low 27.4
Display Name Civista Bancshares
Dividend Date 1,787,011,200
Dividend Rate 0.72
Dividend Yield 2.62
Earnings Call Timestamp End 1,784,826,000
Earnings Call Timestamp Start 1,784,826,000
Earnings Growth -0.03
Earnings Quarterly Growth 0.3
Earnings Timestamp 1,784,809,800
Earnings Timestamp End 1,792,672,200
Earnings Timestamp Start 1,792,672,200
Ebitda Margins 0.0
Enterprise To Revenue 4.055
Enterprise Value 743,808,640
Eps Current Year 2.83667
Eps Forward 2.90667
Eps Trailing Twelve Months 2.68
Esg Populated 0
Ex Dividend Date 1,786,665,600
Exchange NCM
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fax 419 627 3359
Fifty Day Average 28.205
Fifty Day Average Change -0.7250004
Fifty Day Average Change Percent -0.025704676
Fifty Two Week Change Percent 31.044352
Fifty Two Week High 29.97
Fifty Two Week High Change -2.4899998
Fifty Two Week High Change Percent -0.08308308
Fifty Two Week Low 19.82
Fifty Two Week Low Change 7.66
Fifty Two Week Low Change Percent 0.3864783
Fifty Two Week Range 19.82 - 29.97
Financial Currency USD
First Trade Date Milliseconds 765,639,000,000
Five Year Avg Dividend Yield 3.03
Float Shares 20,288,938
Forward Eps 2.90667
Forward P E 9.454117
Full Exchange Name NasdaqCM
Full Time Employees 548
Fullday Change 0.0499992
Fullday Change Percent 0.182279
Fullday Price 27.48
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,785,542,400
Gross Margins 0.0
Gross Profits 183,442,000
Has Pre Post Market Data 1
Held Percent Insiders 0.02049
Held Percent Institutions 0.67463994
Implied Shares Outstanding 20,794,238
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Ir Website http://www.snl.com/irweblinkx/stockinfo.aspx?iid=100876
Is Earnings Date Estimate 1
Language en-US
Last Dividend Date 1,785,801,600
Last Dividend Value 0.18
Last Fiscal Year End 1,767,139,200
Last Split Date 833,932,800
Last Split Factor 4:1
Long Business Summary Civista Bancshares, Inc. operates as the financial holding company for Civista Bank that provides banking services in the United States. The company offers personal and commercial checking accounts; retirement, money market, time, and savings accounts; safe deposit boxes; wire transfers; and automated teller services. It also provides internet banking; ACH origination; telephone banking; and mobile/digital banking services, as well as remote deposit capture banking services for retail and business customers. In addition, the company offers time deposits that consist of certificates of deposit, including those held in IRA accounts and reciprocal deposits. Further, its loan portfolio includes commercial and agriculture; commercial real estate – owner and non-owner occupied; residential and farm real estate; real estate construction; lease financing receivable; consumer; and other loans, as well as home equity line of credit. Additionally, the company holds and manages securities portfolio; leases general equipment; and provides captive insurance products and investment advisory services. It operates in North Central, West Central, South Western Ohio, South Eastern 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.
Long Name Civista Bancshares, Inc.
Market us_market
Market Cap 571,425,664
Market State CLOSED
Max Age 86,400
Message Board Id finmb_1016805
Most Recent Quarter 1,782,777,600
Net Income To Common 54,155,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 570,385,948
Number Of Analyst Opinions 6
Open 27.54
Operating Cashflow 57,866,000
Operating Margins 0.39915
Overall Risk 7
Payout Ratio 0.2612
Peg Ratio 1.37
Phone 419 625 4121
Post Market Change 0.0
Post Market Change Percent 0.0
Post Market Price 27.48
Post Market Time 1,787,947,805
Previous Close 27.43
Price Eps Current Year 9.687415
Price Hint 2
Price To Book 1.0081813
Price To Sales Trailing12 Months 3.115021
Profit Margins 0.29619
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change 0.0499992
Regular Market Change Percent 0.182279
Regular Market Day High 27.67
Regular Market Day Low 27.4
Regular Market Day Range 27.4 - 27.67
Regular Market Open 27.54
Regular Market Previous Close 27.43
Regular Market Price 27.48
Regular Market Time 1,787,947,201
Regular Market Volume 119,528
Return On Assets 0.01281
Return On Equity 0.11192001
Revenue Growth 0.135
Revenue Per Share 9.144
Sand P52 Week Change 0.20204377
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 7
Shares Outstanding 20,794,238
Shares Percent Shares Out 0.026500002
Shares Short 550,930
Shares Short Previous Month Date 1,784,073,600
Shares Short Prior Month 414,597
Short Name Civista Bancshares, Inc.
Short Percent Of Float 0.027
Short Ratio 4.39
Source Interval 15
State OH
Symbol CIVB
Target High Price 33.0
Target Low Price 29.0
Target Mean Price 31.16667
Target Median Price 31.0
Total Cash 68,220,000
Total Cash Per Share 3.281
Total Debt 240,603,008
Total Revenue 183,442,000
Tradeable 0
Trailing Annual Dividend Rate 0.7
Trailing Annual Dividend Yield 0.025519503
Trailing Eps 2.68
Trailing P E 10.253731
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 24.87665
Two Hundred Day Average Change 2.6033497
Two Hundred Day Average Change Percent 0.10465033
Type Disp Equity
Volume 119,528
Website https://www.civb.com
Zip 44,870-2514