CIVB · Civista Bancshares, Inc.
Price & Indicators
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AI Brief
TL;DR.
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 adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders BuyIllustrative 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 |
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| Allowance for credit losses on loans / total loans | 1.28% | second quarter of 2026 | — |
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| Efficiency ratio | 58.2% | second quarter of 2026 | — |
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| Net interest margin (tax-equivalent) | 3.89% | second quarter of 2026 | — |
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| Pre-Provision Net Revenue (PPNR) non-GAAP | $18.9M | second quarter of 2026 | — |
| Return on Assets | 1.34% | second quarter of 2026 | — |
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| Tangible book value per share | $20.43 | June 30, 2026 | — |
| Annualized dividend yield | 3.16% | first quarter of 2026 | — |
| Dividend payout ratio | 24.91% | first quarter of 2026 | — |
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| Quarterly cash dividend | $0.18 | first quarter of 2026 | — |
| Return on average assets | 1.41% | first quarter of 2026 | — |
| Return on average equity | 10.97% | first quarter of 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.
|
$592.84M | +28.3% | -0.5% | 10.6 | 2.4% |
|
MFG
Mizuho Financial Group Inc
|
$132.42B | +48.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$120.05B | -36.0% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$108.39B | -0.2% | — | — | 0.5% |
|
PNC
Pnc Financial Services Group, Inc.
|
$102.52B | +23.1% | +7.2% | 14.1 | 1.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| CIVB | +0.6% | +0.0% | +19.7% | -1.9% | +28.3% |
| SPY | +0.4% | +4.5% | +13.8% | +3.9% | +13.9% |
| vs SPY | +0.2% | -4.5% | +5.9% | -5.8% | +14.5% |
Capital returns
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.