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

CIVB POWR Grades

• Stability is the dimension where CIVB ranks best; there it ranks ahead of 97.73% of US stocks.
• The strongest trend for CIVB is in Quality, which has been heading down over the past 177 days.
• CIVB ranks lowest in Growth; there it ranks in the 18th percentile.

CIVB Stock Summary

• CIVB's equity multiplier -- a measure of assets relative to shareholders'equity -- is greater than that of 89.57% of US stocks.
• With a year-over-year growth in debt of 51.7%, CIVISTA BANCSHARES INC's debt growth rate surpasses 81.2% of about US stocks.
• The volatility of CIVISTA BANCSHARES INC's share price is greater than that of just 11.84% US stocks with at least 200 days of trading history.
• Stocks that are quantitatively similar to CIVB, based on their financial statements, market capitalization, and price volatility, are SPFI, GNTY, BFC, AROW, and CCBG.
• Visit CIVB's SEC page to see the company's official filings. To visit the company's web site, go to www.civb.com.

CIVB Valuation Summary

• In comparison to the median Financial Services stock, CIVB's price/sales ratio is 145.45% higher, now standing at 2.7.
• CIVB's EV/EBIT ratio has moved down 3.6 over the prior 243 months.

Below are key valuation metrics over time for CIVB.

CIVB Growth Metrics

The 3 year revenue growth rate now stands at 36.3%.
• Its 4 year cash and equivalents growth rate is now at 670.48%.
• Its year over year net income to common stockholders growth rate is now at 8.93%.

CIVB's revenue has moved up $15,032,000 over the prior 33 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
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
2021-03-31	113.12	23.066	35.117

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.