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

CIVB POWR Grades

• Sentiment is the dimension where CIVB ranks best; there it ranks ahead of 91.84% of US stocks.
• The strongest trend for CIVB is in Momentum, which has been heading up over the past 52 weeks.
• CIVB ranks lowest in Growth; there it ranks in the 44th percentile.

CIVB Stock Summary

• CIVB's equity multiplier -- a measure of assets relative to shareholders'equity -- is greater than that of 87.09% of US stocks.
• With a year-over-year growth in debt of -64.24%, Civista Bancshares Inc's debt growth rate surpasses merely 5.71% of about US stocks.
• Civista Bancshares Inc's shareholder yield -- a measure of how much capital is returned to stockholders via dividends and buybacks -- is 67.35%, greater than the shareholder yield of 97% of stocks in our set.
• If you're looking for stocks that are quantitatively similar to Civista Bancshares Inc, a group of peers worth examining would be LARK, BXS, RVSB, GABC, and GNTY.
• 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

• Its 3 year cash and equivalents growth rate is now at -23.47%.
• Its 2 year net income to common stockholders growth rate is now at 85.67%.
• Its year over year price growth rate is now at 49.84%.

CIVB's revenue has moved up $53,165,000 over the prior 49 months.

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
2021-06-30	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
2020-06-30	103.969	30.747	29.566
2020-03-31	105.372	52.175	31.559

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 44.85% of graded US stocks.
• CIVB's asset turnover comes in at 0.042 -- ranking 147th of 435 Banking stocks.
• BSRR, TCBK, and SRCE are the stocks whose asset turnover ratios are most correlated with CIVB.

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