Civista Bancshares Inc (CIVB) has a current Price-to-Book (P/B) ratio of 0.85. Compared to its 3-year average P/B ratio of 0.77, the current P/B ratio is approximately 10.07% higher. Relative to its 5-year average P/B ratio of 0.88, the current P/B ratio is about -3.91% higher. Civista Bancshares Inc (CIVB) has a Forward Free Cash Flow (FCF) yield of approximately 11.24%. Compared to its 3-year average FCF yield of 12.61%, the current FCF yield is approximately -10.83% lower. Relative to its 5-year average FCF yield of 11.69%, the current FCF yield is about -3.88% lower.

Competitors Valuation Multiple

AI Analysis

The average P/S ratio for CIVB competitors is 2.72, providing a benchmark for relative valuation. Civista Bancshares Inc Corp (CIVB.O) exhibits a P/S ratio of 2.41, which is -11.19% above the industry average. Given its robust revenue growth of 15.11%, this premium appears unsustainable.

P/E

P/S

EV/EBITDA

EV/EBIT

Earnings Growth

Market Cap

Performance Decomposition

AI Analysis

Market capitalization of CIVB increased by 0.00% over the past 1 year(s). The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.

The secondary factor is the Unknown, contributed 0.00% to the performance.

Overall, the performance of CIVB in the past 1 year(s) is driven by Unknown.

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Frequently Asked Questions

Is CIVB currently overvalued or undervalued?

What is Civista Bancshares Inc (CIVB) fair value?

CIVB's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. The fair price of Civista Bancshares Inc (CIVB) is between 21.83 to 28.16 according to relative valuation method.

How does CIVB's valuation metrics compare to the industry average?

The average P/S ratio for CIVB's competitors is 2.72, providing a benchmark for relative valuation. Civista Bancshares Inc Corp (CIVB) exhibits a P/S ratio of 2.41, which is -11.19% above the industry average. Given its robust revenue growth of 15.11%, this premium appears unsustainable.

What is the current P/B ratio for Civista Bancshares Inc (CIVB) as of Mar 02 2026?

As of Mar 02 2026, Civista Bancshares Inc (CIVB) has a P/B ratio of 0.85. This indicates that the market values CIVB at 0.85 times its book value.

What is the current FCF Yield for Civista Bancshares Inc (CIVB) as of Mar 02 2026?

As of Mar 02 2026, Civista Bancshares Inc (CIVB) has a FCF Yield of 11.24%. This means that for every dollar of Civista Bancshares Inc's market capitalization, the company generates 11.24 cents in free cash flow.

What is the current Forward P/E ratio for Civista Bancshares Inc (CIVB) as of Mar 02 2026?

As of Mar 02 2026, Civista Bancshares Inc (CIVB) has a Forward P/E ratio of 8.65. This means the market is willing to pay $8.65 for every dollar of Civista Bancshares Inc's expected earnings over the next 12 months.

What is the current Forward P/S ratio for Civista Bancshares Inc (CIVB) as of Mar 02 2026?

As of Mar 02 2026, Civista Bancshares Inc (CIVB) has a Forward P/S ratio of 2.41. This means the market is valuing CIVB at $2.41 for every dollar of expected revenue over the next 12 months.

CIVB Valuation