Civista Bancshares, Inc. (CIVB): Price and Financial Metrics

CIVB POWR Grades

• Stability is the dimension where CIVB ranks best; there it ranks ahead of 97.08% of US stocks.
• The strongest trend for CIVB is in Growth, which has been heading up over the past 177 days.
• CIVB ranks lowest in Quality; there it ranks in the 16th percentile.

CIVB Stock Summary

• CIVB's equity multiplier -- a measure of assets relative to shareholders'equity -- is greater than that of 90.26% of US stocks.
• With a year-over-year growth in debt of 45.32%, CIVISTA BANCSHARES INC's debt growth rate surpasses 78.99% of about US stocks.
• In terms of volatility of its share price, CIVB is more volatile than just 1.58% of stocks we're observing.
• If you're looking for stocks that are quantitatively similar to CIVISTA BANCSHARES INC, a group of peers worth examining would be SBFG, PFC, AROW, GBCI, and SFBC.
• CIVB's SEC filings can be seen here. And to visit CIVISTA BANCSHARES INC's official web site, go to www.civb.com.

CIVB Valuation Summary

• In comparison to the median Financial Services stock, CIVB's price/earnings ratio is 21.05% lower, now standing at 9.
• Over the past 243 months, CIVB's price/sales ratio has gone down 1.9.

Below are key valuation metrics over time for CIVB.

CIVB Growth Metrics

The 3 year revenue growth rate now stands at 36.3%.
• The 3 year price growth rate now stands at -8.75%.
• Its 5 year net income to common stockholders growth rate is now at 101.04%.

Over the past 33 months, CIVB's revenue has gone up $19,277,000.

The table below shows CIVB's growth in key financial areas (numbers in millions of US dollars).

Date	Revenue	Operating Cash Flow	Net Income to Common Stock
2022-09-30	125.785	33.887	38.261
2022-06-30	120.771	68.393	36.791
2022-03-31	124.134	33.462	38.254
2021-12-31	126.047	40.761	40.546
2021-09-30	124.86	41.201	39.737
2021-06-30	120.543	40.613	37.777

CIVB's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.

• CIVB has a Quality Grade of C, ranking ahead of 45.94% of graded US stocks.
• CIVB's asset turnover comes in at 0.042 -- ranking 148th of 428 Banking stocks.
• TCBK, COLB, and FITB are the stocks whose asset turnover ratios are most correlated with CIVB.

The table below shows CIVB's key quality metrics over time.