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Civista Bancshares, Inc. (CIVB)

Financial Services | Banks - Regional | Sandusky, United States | NasdaqCM
28.06 USD +0.14 (0.484%) ⇧ (July 15, 2026, 10:18 a.m. EDT)

Short-term:★★★★☆Long-term:★★★⯪☆Dividends:★★★☆☆
Hot Take | July 11, 2026, 5:30 a.m. EDT

Civista Bancshares presents a compelling case for income-focused investors, driven by a robust dividend trajectory and a resilient balance sheet. The company has demonstrated a consistent commitment to shareholder returns, recently increasing its quarterly payout by nearly 6% to $0.18 per share. With a payout ratio of just 25.6%, the dividend is well-covered by earnings, providing a substantial safety margin against potential economic headwinds. Fundamentally, the bank is trading at an attractive valuation, priced at roughly 10 times trailing earnings and slightly above book value, reflecting solid profitability with a 28.7% profit margin and double-digit revenue growth. While the recent price action shows some consolidation near the 50-day average, the underlying business quality—characterized by strong return on equity and healthy operating margins—supports a positive long-term outlook. The low analyst consensus dispersion and 'Buy' recommendation further validate the current price level as a reasonable entry point for a steady compounder.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.051256
MSTL0.058079
AutoETS0.059204
AutoARIMA0.059231

Forecast horizon: 45 days | Selected: AutoTheta

Forecast Reliability
Score 45%
H-stat 6.05
Ljung-Box p 0.000
Jarque-Bera p 0.554
Excess Kurtosis -0.69
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-05-04
Last Dividend Date 2026-05-04
Revenue per Share 9.497
Market Cap 583,076,864
Trailing P/E 10.39
Forward P/E 9.70
Beta 0.66
Profit Margins 28.67%
Website https://www.civb.com

As of July 11, 2026, 5:30 a.m. EDT: Speculator positioning is sparse and mixed, offering little directional clarity. Call volume is negligible across expirations, while put activity is similarly low. Open interest is scattered without a dominant strike level suggesting a specific target price or hedging strategy. Implied volatility remains extremely low, indicating a lack of speculative fear or excitement surrounding the stock.


Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.72% 3.14% 3.52% 3.19%
Dividend History
Date Dividend Yield %
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 2.58
exDividendDate 2026-05-05
trailingAnnualDividendRate 0.69
trailingAnnualDividendYield 0.024713468
lastDividendValue 0.18
lastDividendDate 2026-05-05
dividendDate 2026-05-19

Info Dump

Attribute Value
52 Week Change 0.29379058
Address1 100 East Water Street
Address2 PO Box 5016
All Time High 40.5
All Time Low 3.21
Ask 35.86
Ask Size 2
Audit Risk 8
Average Analyst Rating 2.2 - Buy
Average Daily Volume10 Day 136,410
Average Daily Volume3 Month 111,434
Average Volume 111,434
Average Volume10Days 136,410
Beta 0.656
Bid 19.91
Bid Size 2
Board Risk 5
Book Value 26.571
City Sandusky
Compensation As Of Epoch Date 1,419,984,000
Compensation Risk 9
Country United States
Crypto Tradeable 0
Currency USD
Current Price 28.055
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 28.055
Day Low 27.86
Display Name Civista Bancshares
Dividend Date 1,779,148,800
Dividend Rate 0.72
Dividend Yield 2.58
Earnings Call Timestamp End 1,784,836,800
Earnings Call Timestamp Start 1,784,836,800
Earnings Growth 0.097
Earnings Quarterly Growth 0.474
Earnings Timestamp 1,784,809,800
Earnings Timestamp End 1,784,809,800
Earnings Timestamp Start 1,784,809,800
Ebitda Margins 0.0
Enterprise To Revenue 3.977
Enterprise Value 707,833,088
Eps Current Year 2.84
Eps Forward 2.89167
Eps Trailing Twelve Months 2.7
Esg Populated 0
Ex Dividend Date 1,777,939,200
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 26.3548
Fifty Day Average Change 1.700201
Fifty Day Average Change Percent 0.06451201
Fifty Two Week Change Percent 29.379059
Fifty Two Week High 29.38
Fifty Two Week High Change -1.3249989
Fifty Two Week High Change Percent -0.04509867
Fifty Two Week Low 18.95
Fifty Two Week Low Change 9.105
Fifty Two Week Low Change Percent 0.4804749
Fifty Two Week Range 18.95 - 29.38
Financial Currency USD
First Trade Date Milliseconds 765,639,000,000
Five Year Avg Dividend Yield 3.03
Float Shares 20,282,677
Forward Eps 2.89167
Forward P E 9.702006
Full Exchange Name NasdaqCM
Full Time Employees 535
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,782,864,000
Gross Margins 0.0
Gross Profits 177,990,000
Has Pre Post Market Data 1
Held Percent Insiders 0.02053
Held Percent Institutions 0.66435
Implied Shares Outstanding 20,783,348
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 0
Language en-US
Last Dividend Date 1,777,939,200
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 583,076,864
Market State REGULAR
Max Age 86,400
Message Board Id finmb_1016805
Most Recent Quarter 1,774,915,200
Net Income To Common 50,883,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 580,894,576
Number Of Analyst Opinions 6
Open 27.89
Operating Cashflow 51,841,000
Operating Margins 0.39949
Overall Risk 7
Payout Ratio 0.2556
Peg Ratio 1.37
Phone 419 625 4121
Previous Close 27.92
Price Eps Current Year 9.878522
Price Hint 2
Price To Book 1.0558504
Price To Sales Trailing12 Months 3.2758968
Profit Margins 0.28672
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 2.16667
Region US
Regular Market Change 0.13500023
Regular Market Change Percent 0.4835252
Regular Market Day High 28.055
Regular Market Day Low 27.86
Regular Market Day Range 27.86 - 28.055
Regular Market Open 27.89
Regular Market Previous Close 27.92
Regular Market Price 28.055
Regular Market Time 1,784,125,107
Regular Market Volume 3,238
Return On Assets 0.01209
Return On Equity 0.10747
Revenue Growth 0.226
Revenue Per Share 9.497
Sand P52 Week Change 0.2043345
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 7
Shares Outstanding 20,783,348
Shares Percent Shares Out 0.0238
Shares Short 495,011
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 271,190
Short Name Civista Bancshares, Inc.
Short Percent Of Float 0.0242
Short Ratio 3.31
Source Interval 15
State OH
Symbol CIVB
Target High Price 31.0
Target Low Price 26.0
Target Mean Price 29.0
Target Median Price 29.0
Total Cash 89,121,000
Total Cash Per Share 4.288
Total Debt 216,683,008
Total Revenue 177,990,000
Tradeable 0
Trailing Annual Dividend Rate 0.69
Trailing Annual Dividend Yield 0.024713468
Trailing Eps 2.7
Trailing P E 10.39074
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 23.66895
Two Hundred Day Average Change 4.386051
Two Hundred Day Average Change Percent 0.18530823
Type Disp Equity
Volume 3,238
Website https://www.civb.com
Zip 44,870-2514