Civista Bancshares, Inc. (CIVB) Stock Score, Valuation & Financial Research
Civista Bancshares, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 60/100.
Quick answer for CIVB
Civista Bancshares, Inc. currently has a Wall Street Score of 60/100. The stored market price is $27.16. Its financial score is 38/100. Its valuation score is 97/100. These figures are a research snapshot, not a buy or sell recommendation.
What Civista Bancshares, Inc. does
Serving as the financial holding company for Civista Bank, Civista Bancshares, Inc. delivers comprehensive community banking services. The company actively gathers various customer deposits and provides a broad spectrum of lending products, encompassing commercial, agricultural, residential and commercial real estate, farm real estate, and construction loans, as well as consumer credit and letters of credit. Beyond banking, it also acquires securities and offers trust services alongside third-party insurance. With approximately 42 branch locations, Civista Bancshares extends its reach across Northern, Central, Southwestern, and Northwestern Ohio, in addition to Southeastern Indiana and Northern Kentucky. Founded in 1884, the company is headquartered in Sandusky, Ohio, and officially changed its name from First Citizens Banc Corp to Civista Bancshares, Inc. in May 2015.
CIVB financial snapshot
- Wall Street Score:
- 60/100
- Current price:
- $27.16
- Market capitalization:
- $564.5M
- Revenue:
- $224.5M
- Net income:
- $54.3M
- Free cash flow:
- $42.1M
- Cash:
- $61.7M
- Total debt:
- $228.4M
- EPS:
- 2.70
- P/E ratio:
- 10.1x
- Financial score:
- 38/100
- Valuation score:
- 97/100
- Revenue score:
- 30/100
What stands out
- Reported year-over-year revenue growth is -0.1%.
- Free cash flow is $42.1M, showing positive cash generation.
- The balance sheet shows $61.7M of cash versus $228.4M of total debt, so leverage deserves attention.
What the numbers mean
Its current valuation score is 97/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 38/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-09-14.
How to research CIVB
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.