CIVB · Civista Bancshares, Inc.
$27.54
+0.05 (+0.18%)
At close · Aug 20
Market Cap
$582.86M
Shares
20.79M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$27.54
Open$27.36
Day$27.07–27.66
52W close$19.89–29.30
Avg vol 30d130K
Short int501K · 2.4% float · 4.2d
Short vol42%
Last earningsJul 23, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 6
Up next
Next earnings call
Oct 26, 2026
Est · unconfirmed
· in 9 wks
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 6, 2026
AI Brief
TL;DR.
Bullish
Bearish
From the call
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Neutral
Momentum
Strong
Sentiment
Neutral
Fundamentals
Strong
Quant / Vol
Very Low
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+11%
above
Price vs 50-day avg
−2%
below
RSI (14)
39
neutral
MACD trend
Negative
52-week position
81%
mid-range
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−3%
trailing
6-month return
+16%
trailing
YTD return
+24%
this year
Relative strength
+5%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $28 › 200d $25 — 50d above 200d
Institutional flow
Accumulating
+13% holders QoQ · +27 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
2.41% of float · ▲ +20.9% MoM · 4.2 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
149 holders — near 3-yr high, broad support
Squeeze score
62
elevated · 0–100
Fundamentals
Revenue growth
−1%
Y/Y
EPS growth
+31%
Y/Y
Free cash flow
$42.1M
Valuation
P/E 10.5
below peers
Buyback
$25.0M
remaining
Balance sheet
$0
net cash
Quant / Vol
risk profile
Volatility
25%
annualized · 1-yr
Max drawdown
−12%
past year
ATR
2.4%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the Earnings Call filed Mar 31, 2026
Diluted earnings per share
· towards the end of this year, maybe into the first quarter next
$0.75
Prior guidance
period ended
· from the Earnings Call filed Mar 31, 2026
Net interest margin
· second quarter
up to 2%
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+11%
Bullish
Price vs 50-day avg
−2%
Neutral
RSI (14)
39
Neutral
MACD trend
Negative
Bearish
52-week position
81%
Neutral
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 2 of 6
Trend (MA cross)
No cross
50d $28 › 200d $25 — 50d above 200d
Institutional flow
Accumulating
+13% holders QoQ · +27 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
2.41% of float · ▲ +20.9% MoM · 4.2 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
149 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $20
Now $28 · 81%
Range high $29
vs 200-day avg +11%
vs 50-day avg -2%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Allowance for credit losses (end of period) | 41.71M | Three Months Ended June 30, 2026 | — |
| Allowance for credit losses on loans / total loans | 1.28% | second quarter of 2026 | — |
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| Allowance for credit losses to non-performing loans | 136.8% | second quarter of 2026 | — |
| Allowance for unfunded commitments (end of period) | 3.89M | Three Months Ended June 30, 2026 | — |
| Allowance to nonperforming assets | 136.69% | Three Months Ended June 30, 2026 | — |
| Annualized dividend yield | 2.55% | second quarter of 2026 | — |
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| Average number of FTE employees | 549 | second quarter of 2026 | — |
| Book value per share | $27.26 | June 30 | — |
| Dividend payout ratio | 25.51% | Six months ended June 30 | — |
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| Dividends paid per common share | $0.18 | Three months ended June 30 | — |
| Efficiency ratio non-GAAP | 59.1% | six months ended June 30, 2026 | — |
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| Equity to asset ratio | 13.2% | June 30 | — |
| Net charge-offs | $0.1M | second quarter of 2026 | — |
| Net interest margin non-GAAP | 3.87% | six months ended June 30, 2026 | — |
| Net interest margin (Non-GAAP) non-GAAP | 3.89% | Three Months Ended June 30, 2026 | — |
| Net interest margin (tax-equivalent) | 3.87% | six months ended June 30, 2026 | — |
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| Non-performing assets | $30.5M | second quarter of 2026 | — |
| Non-performing assets to assets ratio | 0.71% | June 30, 2026 | — |
| Non-performing assets to total assets | 0.71% | June 30 | — |
| Number of locations | 44 | as described in About Civista Bancshares | — |
| Pre-Provision Net Revenue (PPNR) non-GAAP | $18.9M | second quarter of 2026 | — |
| Quarterly cash dividend | $0.18 | second quarter of 2026 | — |
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| Return on Assets | 1.34% | second quarter of 2026 | — |
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| Return on average assets | 1.37% | Six months ended June 30 | — |
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| Return on average equity | 10.6% | Six months ended June 30 | — |
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| Tangible book value per share | $20.43 | second quarter of 2026 | — |
| Tangible common equity ratio non-GAAP | 10.23% | Three Months Ended June 30, 2026 | — |
| Tier 1 leverage ratio | 11.87% | Three Months Ended June 30, 2026 | — |
| Tier 1 risk-based capital ratio | 15.33% | Three Months Ended June 30, 2026 | — |
| Total non-performing assets | 30.52M | Three Months Ended June 30, 2026 | — |
| Total non-performing loans | 30.52M | Three Months Ended June 30, 2026 | — |
| Total risk-based capital ratio | 18.86% | Three Months Ended June 30, 2026 | — |
| Cost of deposits | 192 | the fourth quarter of 2025 | — |
| Cost of funds | 208 | the fourth quarter of 2025 | — |
| Deposit growth since December 31, 2024 | 7.9% | the fourth quarter of 2025 | — |
| Dividend yield | 3.06% | the fourth quarter of 2025 | — |
| Loan and lease balance growth since December 31, 2024 | 6.1% | the fourth quarter of 2025 | — |
| Return on Equity | 9.26% | the fourth quarter of 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
CIVB
this stock
Civista Bancshares, Inc.
|
$582.86M | +23.9% | -0.5% | 10.5 | 2.4% |
|
MFG
Mizuho Financial Group Inc
|
$123.19B | +38.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.1% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +18.7% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| CIVB | -3.8% | -2.7% | +15.7% | -5.2% | +23.9% |
| SPY | -2.0% | +3.3% | +11.2% | +2.1% | +11.8% |
| vs SPY | -1.9% | -6.0% | +4.5% | -7.3% | +12.1% |
Capital returns
Latest dividend
$0.18
/ share · ex Aug 4, 2026
Paid (TTM)
$0.71
/ share · 4 payouts
Dividend yield (TTM, derived)
2.58%
Buyback program
· as of Jun 30, 2026
Authorized
$25.00M
Spent (derived)
$0
Remaining
$25.00M
Spent
Remaining
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.