CIVB
Financial ServicesCivista Bancshares, Inc. · Banks - Regional · $530M
What is Civista Bancshares, Inc.?
Civista Bancshares is the holding company for Civista Bank, a community-focused financial institution serving retail and business customers across Ohio, Indiana, and Kentucky through approximately 42 branch locations.
Civista Bank generates revenue primarily through traditional community banking: collecting customer deposits and deploying those funds into a range of loans — including commercial, agricultural, real estate, construction, and consumer lending. The bank also purchases investment securities and offers trust services and third-party insurance products, rounding out its community-oriented financial services model.
Founded in 1884 and headquartered in Sandusky, Ohio, Civista Bancshares has operated under its current name since 2015.
- Commercial and agricultural lending
- Residential and commercial real estate loans
- Consumer deposit accounts and savings products
- Trust and third-party insurance services
Is CIVB a Good Stock to Buy?
UQS Score rates CIVB as Below Average overall, reflecting a mixed picture across its five quality pillars.
The Risk pillar stands out as the clearest positive — CIVB's risk profile is rated Good, suggesting the bank manages credit and operational exposures at a level above many small-cap peers. Valuation is rated Attractive, meaning the stock does not appear richly priced relative to its fundamentals.
Both the Moat and Growth pillars are rated Weak, indicating limited competitive differentiation and subdued expansion prospects within a competitive community banking landscape.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does CIVB pay dividends?
Yes — Civista Bancshares, Inc. pays a dividend.
Civista Bancshares pays a regular dividend, consistent with the income-oriented tradition of community banks. For investors seeking periodic income alongside equity exposure, CIVB's dividend history reflects a commitment to returning capital to shareholders — a common practice among established regional banking franchises.
When does CIVB report earnings?
Civista Bancshares reports earnings on a quarterly cadence, typical for US-listed bank holding companies.
As a community bank, CIVB's quarterly results are shaped by net interest income trends, loan growth, and credit quality — all areas where the UQS pillar profile signals caution on growth but relative steadiness on risk.
For the most recent quarter's results, visit Civista Bancshares' investor relations page directly.
CIVB Price History
+16.6% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Civista Bancshares, Inc.?
Based on Civista Bancshares, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
CIVB Long-term Outlook
The UQS Growth pillar rating of Weak suggests that near-term expansion in earnings or loan volumes may be limited relative to the broader banking sector. However, the Good Risk rating indicates the bank's balance sheet is managed with reasonable discipline. The Attractive Valuation label implies the market may already be pricing in subdued growth expectations, which could limit downside for patient investors focused on income rather than capital appreciation.
Growth drivers
- Stable deposit base across a multi-state community banking footprint
- Potential for modest loan growth in Ohio and adjacent markets
- Trust and insurance services as supplementary fee income streams
Key risks
- Weak Moat rating signals vulnerability to competition from larger regional and national banks
- Weak Growth rating points to limited near-term revenue expansion
- Interest rate sensitivity inherent to traditional community banking models
CIVB vs Peers
Civista Bancshares operates in the competitive community banking space alongside several similarly sized regional peers.
Kearny Financial is a New Jersey-based thrift focused primarily on residential mortgage lending, giving it a different geographic and product mix compared to CIVB's Midwest commercial banking emphasis.
Midland States Bancorp operates across Illinois and surrounding states with a broader commercial lending platform, competing in similar small-cap community bank territory.
Home Bancorp serves Louisiana and Texas markets, offering a regional contrast to CIVB's Ohio-centric footprint while sharing a similar community banking business model.
Frequently Asked Questions
What does Civista Bancshares do?
Civista Bancshares is the holding company for Civista Bank, which provides community banking services across Ohio, Indiana, and Kentucky. The bank takes in customer deposits and makes loans across commercial, agricultural, real estate, and consumer categories, while also offering trust and insurance services.
Does CIVB pay dividends?
Yes, Civista Bancshares pays a regular dividend. This is consistent with the income-focused tradition of established community banks. Investors should check the company's investor relations page for the current dividend rate and payment schedule.
When does CIVB report earnings?
Civista Bancshares follows a standard quarterly earnings cadence for US-listed bank holding companies. For the exact timing of upcoming releases, refer to the company's investor relations page or a financial calendar service.
Is CIVB a good stock to buy?
UQS Score rates CIVB as Below Average overall. The Attractive Valuation and Good Risk ratings offer some reassurance, but the Weak Moat and Weak Growth ratings temper the investment case. The full pillar breakdown is available to UQS Pro members.
Is CIVB overvalued?
The UQS Valuation pillar for CIVB is rated Attractive, suggesting the stock is not trading at a premium relative to its fundamentals. For investors focused on value within the community banking sector, this may be a relevant data point worth exploring further.
How does CIVB compare to its competitors?
Compared to peers like Kearny Financial, Midland States Bancorp, and Home Bancorp, CIVB shares the small-cap community banking profile but differs in geographic focus and product mix. UQS Pro members can view side-by-side pillar comparisons across these competitors.
What is CIVB's market cap bracket?
Civista Bancshares is classified as a small-cap stock. This places it in the tier of regional and community banks that typically serve defined geographic markets rather than competing nationally.
Who founded Civista Bancshares?
The institution traces its roots to 1884, making it one of the longer-standing community banking franchises in Ohio. It operated under the name First Citizens Banc Corp before rebranding as Civista Bancshares in 2015. Founding details are widely available through the company's official history.
Is CIVB a long-term quality investment?
As a long-term quality indicator, the UQS Score rates CIVB as Below Average. The Good Risk pillar suggests balance sheet stability, but the Weak Moat and Weak Growth ratings raise questions about the bank's ability to compound value over time relative to stronger-rated peers.
What is the main competitive advantage of Civista Bancshares?
Civista's primary advantage lies in its deep-rooted community banking relationships across a defined Midwest footprint. However, the UQS Moat pillar rates this as Weak, indicating that structural competitive advantages are limited compared to larger or more differentiated financial institutions.
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Pro Analysis
CIVB — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 22, 2026 | 52.9 | 71.5 | 19.0 | 33.1 | 71.0 | 86.7 | 0.0 |
| May 19, 2026 | 52.9 | 71.5 | 19.0 | 33.1 | 71.0 | 87.0 | -0.1 |
| May 16, 2026 | 53.0 | 71.5 | 19.0 | 33.1 | 71.0 | 87.6 | 0.0 |
| May 13, 2026 | 53.0 | 71.5 | 19.0 | 33.1 | 71.0 | 87.1 | +0.1 |
| May 12, 2026 | 52.9 | 71.5 | 19.0 | 33.1 | 71.0 | 87.1 | 0.0 |
| May 11, 2026 | 52.9 | 71.5 | 19.0 | 33.1 | 71.0 | 86.8 | +0.4 |
| May 10, 2026 | 52.5 | 71.5 | 19.0 | 33.1 | 71.0 | 84.4 | +5.4 |
| May 9, 2026 | 47.1 | 71.5 | 19.0 | 3.4 | 71.0 | 87.5 | -5.5 |
| May 8, 2026 | 52.6 | 71.5 | 19.0 | 33.1 | 71.0 | 84.7 | -0.2 |
| May 7, 2026 | 52.8 | 71.5 | 19.0 | 33.1 | 71.0 | 86.3 | +3.0 |
CIVB — Pillar Breakdown
Quality
— 71.5/100 (25%)Civista Bancshares, Inc. shows solid profitability with healthy returns on capital and reasonable margins.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 33.1/100 (20%)Civista Bancshares, Inc. faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 71.0/100 (15%)Civista Bancshares, Inc. maintains a reasonable risk profile with manageable debt levels.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 86.2/100 (15%)Civista Bancshares, Inc. appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 19/100 (25%)Civista Bancshares, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for CIVB.
Score Composition
Financial Data
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How is the CIVB UQS Score Calculated?
The UQS (Unified Quality Score) for Civista Bancshares, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Civista Bancshares, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Civista Bancshares, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.