Openbookopenbook
Equity
Civista Bancshares Inc(CIVB)
USD --+0.00%
Reward62Moderate
Risk51Moderate
📊75%Data
Strong 27% profit margin · 2.8% dividend yield · Revenue growing 15% YoY
CIVB
+0.0 · +0.00%
USD · NASDAQ
Civista Bancshares Inc | Financial Services
Quality Compounder
Market Cap:494.20M
ℹ️
Reward Rating
62
Moderate
Top 50% (model universe)
75% data coverage
ℹ️
Risk Rating
51
Moderate
Risk Assessment
ℹ️

Educational tool only – Scores are based on historical data and financial metrics for informational purposes. This is not financial advice or a recommendation to buy or sell any security. Always conduct your own research or consult a qualified financial adviser.

ℹ️ Educational tool only · More
Limited data coverage
We don't have enough public data on CIVB to score it reliably yet — Reward, Risk, Forecasts and Dividends tabs aren't available for this stock. The price chart and basic profile are still shown.
OTC / ADR stock — scores and fundamentals use data tagged in USD by our provider. The issuer may report in a different home currency (e.g. JPY), so treat figures as directional rather than precise.
Not available for limited-coverage stocks
The overview tab requires fundamentals and price history we don't have for this stock. The price chart is the most reliable view we have — try the Chart tab.

Market Performance

Stock returned +10.0% over the past year, broadly in line with market conditions.

Analyst Target

Analyst consensus price target: $27.17.

What is Civista Bancshares Inc?

operates as the financial holding company for Civista Bank that provides community banking services in the United States.

CIVB · Verdict

Solid reward · elevated risk

CIVB stands out on profitability and cash flow, but watch the balance sheet signal.

Based on 88% data coverage

CIVB · Verdict

What’s working & what to watch

Strengths 4

  • Profitability78/100

    18% net margin · 10% ROE

  • Cash flow67/100

    18% net margin

  • Growth65/100

    Rev +18.6% CAGR · earnings +5.4%

  • Volatility65/100

    Above average

Watchouts 1

  • Balance sheet25/100

    Net debt/EBITDA 3.7×

Model-based scoring. For information only — not financial advice.

What is Civista Bancshares Inc?

operates as the financial holding company for Civista Bank that provides community 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; automated teller services; internet banking; ACH origination; telephone banking; and mobile/digital banking services, as well as remote deposit capture banking services for retail and business customers. The company is listed on the NASDAQ in USA, operating in the Financial Services sector, with a market capitalisation of 494.20M, and a P/E ratio of 9.0x.

Financial Highlights

Investment Breakdown

📈 Growth
Revenue and earnings growing steadily, indicating improving operating performance.
💰 Profitability
Strong margins and consistent earnings support financial stability.
⚠️ Risk
Performance tied to macro conditions — sensitive to interest rate cycles.
💸 Valuation
Valuation appears fair relative to current fundamentals.

OpenBook Logo Analysis

Reward: Moderate (62)

The scoring profile indicates moderate reward potential, with profitability and growth as the leading contributors. Risk indicators are elevated — volatility and macro sensitivity warrant consideration.

For informational purposes only. Not financial advice.

Company Information
SectorFinancial Services
Market Cap494.20M
P/E Ratio9.0227
Dividend Yield2.78%
52 Week High25.2162
52 Week Low16.9224
Last AnnualDecember
IPO Date1/2/2001
IncorporatedUSA
Shares Outstanding21M
No. of Employees535
IndustryBanks - Regional
ExchangeNASDAQ
Beta0.674
CurrencyUSD
Websitewww.civb.com
openbook

Stock research for everyday UK investors. Make smarter decisions, faster.

Questions? Email us at contact@openbookanalytics.com

© 2026 Openbook Analytics Ltd · Company No. SC843579 · Registered in Scotland

256-bit encryption GDPR compliant UK data centres

Openbook Analytics Ltd (Company No. SC843579) is registered in Scotland. Registered office: Strathclyde Inspire Hub, University of Strathclyde, Graham Hills Building (Level 6), 50 Richmond Street, Glasgow, G1 1XP. Openbook Analytics is not authorised or regulated by the Financial Conduct Authority (FCA). The content on this platform is provided for general informational and educational purposes only and does not constitute financial advice, investment advice, trading advice, or any other form of advice. You should not treat any content on this platform as a recommendation to buy, sell, or hold any financial instrument. Past performance is not a reliable indicator of future results. The value of investments and the income from them can go down as well as up, and you may get back less than you invest. User-generated content, including community posts and commentary, reflects the personal opinions of individual users, is not verified for accuracy, and does not represent the views of Openbook Analytics Ltd. You should always conduct your own research or consult a qualified, FCA-regulated financial adviser before making investment decisions. Data displayed on this platform may be delayed or inaccurate and is provided "as is" without warranty. Openbook Analytics Ltd accepts no liability for any loss arising from reliance on the information provided.