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

CIVB POWR Grades

• CIVB scores best on the Stability dimension, with a Stability rank ahead of 98.21% of US stocks.
• The strongest trend for CIVB is in Stability, which has been heading up over the past 179 days.
• CIVB's current lowest rank is in the Growth metric (where it is better than 23.22% of US stocks).

CIVB Stock Summary

• With a price/earnings ratio of 8.95, Civista Bancshares Inc P/E ratio is greater than that of about only 20.87% of stocks in our set with positive earnings.
• Equity multiplier, or assets relative to shareholders' equity, comes in at 8.5 for Civista Bancshares Inc; that's greater than it is for 87.98% of US stocks.
• The volatility of Civista Bancshares Inc's share price is greater than that of only 4.25% US stocks with at least 200 days of trading history.
• Stocks with similar financial metrics, market capitalization, and price volatility to Civista Bancshares Inc are BCBP, GNTY, FMBH, SMMF, and CBAN.
• 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 EV/EBIT ratio is 38.37% lower, now standing at 5.3.
• Over the past 243 months, CIVB's price/earnings ratio has gone down 8.9.
• Over the past 243 months, CIVB's price/sales ratio has gone down 1.2.

Below are key valuation metrics over time for CIVB.

CIVB Growth Metrics

The 4 year price growth rate now stands at 30.57%.
• Its 5 year price growth rate is now at 30.57%.
• Its 2 year net cashflow from operations growth rate is now at 183.05%.

Over the past 70 months, CIVB's revenue has gone up $62,999,000.

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
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
2021-03-31	113.12	23.066	35.117
2020-12-31	107.797	32.207	32.192
2020-09-30	104.814	42.305	29.702

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.