$23.00
▼ $-0.05
(-0.22%)
Vol 44K
10
Quality Score
ok
Deep Check
2/5
ok
Rev ✓
NI ✓
>IPO ✗
Mkt Cap
$429.1M
P/E
9.8
ROE
10.4%
Margin
27.3%
D/E
21.82
Beta
0.69
Div Yield
3.06%
52W
$17–$26
Wall Street Consensus
12 analysts · Apr 20262
Strong Buy
6
Buy
4
Hold
0
Sell
0
Strong Sell
66.7%
Buy Rating
Price Chart
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Earnings
Beat rate: 100.0%| Quarter | EPS Est | EPS Act | Surprise |
|---|---|---|---|
| Dec 2025 | $0.59 | $0.75 | +$0.17 |
| Sep 2025 | $0.61 | $0.68 | +$0.07 |
| Jun 2025 | $0.71 | $0.71 | +$0.00 |
| Mar 2025 | $0.53 | $0.66 | +$0.13 |
Quarterly Revenue & Earnings
| Quarter | 2024-0… | 2024-1… | 2025-0… | 2025-0… | 2025-0… | 2025-1… |
|---|---|---|---|---|---|---|
| Revenue | — | $39.7M | $40.1M | $40.7M | $43.1M | $46.6M |
| Net Income | — | $9.9M | $10.2M | $11.0M | $12.8M | $12.3M |
Fundamentals Trend
| Metric | 2025-06-30 | 2025-09-02 | 2025-10-02 | 2025-11-03 | 2025-12-03 | 2026-01-02 |
|---|---|---|---|---|---|---|
| ROE (TTM) | 10.0% | 10.0% | 10.0% | 10.4% | 10.4% | 10.4% |
| P/E (TTM) | 9.13 | 9.79 | 9.91 | 9.49 | 10.10 | 9.79 |
| Net Margin | — | 27.3% | 27.3% | 27.3% | 27.3% | 27.3% |
| Gross Margin | — | — | — | — | — | — |
| D/E Ratio | 27.11 | 27.11 | 27.11 | 21.82 | 21.82 | 21.82 |
| Current Ratio | — | — | — | — | — | — |
Key Ratios
ROA (TTM)
1.1%
P/S (TTM)
1.45
P/B
0.9
EPS (TTM)
$2.74
CF/Share
$3.61
Rev Growth 3Y
+7.3%
52W High
$25.59
52W Low
$17.47
$17.47
52-Week Range
$25.59
Financial Health
Free Cash Flow
$9.4M
Net Debt
$205.7M
Cash
$78.5M
Total Debt
$284.2M
As of Dec 31, 2025
How does CIVB compare to Banking peers?
Peer group: Micro-cap Banking (All) · 289 companies
CIVB valuation vs Banking peers
P/E ratio
9.8
▼
22%
below
peers
(12.6)
vs Peers
vs Industry
Undervalued
P/S ratio
1.5
▼
37%
below
peers
(2.3)
vs Peers
vs Industry
Undervalued
P/B ratio
0.9
▼
19%
below
peers
(1.1)
vs Peers
vs Industry
Undervalued
Div yield
3.1%
▲
2%
above
peers
(3.0%)
vs Peers
vs Industry
In line
CIVB profitability vs Banking peers
ROE
10.4%
▲
15%
above
peers
(9.0%)
vs Peers
vs Industry
In line
Net margin
27.3%
▼
4%
below
peers
(28.6%)
vs Peers
vs Industry
Weak
Gross margin
—
—
vs Peers
vs Industry
Weak
ROA
1.1%
▲
12%
above
peers
(1.0%)
vs Peers
vs Industry
In line
CIVB financial health vs Banking peers
D/E ratio
21.8
▲
58%
above
peers
(13.8)
vs Peers
vs Industry
High debt
Current ratio
—
▼
0%
below
peers
(0.1)
vs Peers
vs Industry
Low liquidity
Beta
0.7
▼
1%
below
peers
(0.7)
vs Peers
vs Industry
Less volatile
CIVB fundamentals radar
CIVB
Peer median
Industry
CIVB profitability vs leverage
Bubble size = market cap · X = net margin · Y = D/E ratio
CIVB vs peers: key metrics
Insider Activity
NeutralBuys
0
Sells
0
SHAFFER DENNIS G
Chief Executive Officer · Mar 11
6685 shs
MULFORD MICHAEL D
Officer · Mar 11
1361 shs
MORRISON LANCE A
Officer · Mar 11
1581 shs
PARCHER CHARLES A.
President · Mar 11
4376 shs
WALTZ-JASKOLSKI DONNA M
Officer · Mar 11
1176 shs
CURRY ROBERT L JR
Officer · Mar 11
1323 shs
KESSLER CARL A III
Officer · Mar 11
1614 shs
EDWARDS RUSSELL L JR.
Officer · Mar 11
1121 shs
WHINNEM IAN
Chief Financial Officer · Mar 11
2313 shs
KATITUS ROBERT L.
Officer · Mar 11
1544 shs
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As of Dec 31, 2025
Dividends
$0.69
/ year
Feb 10, 2026
$0.1800
Nov 04, 2025
$0.1700
Aug 05, 2025
$0.1700
Apr 29, 2025
$0.1700
Feb 04, 2025
$0.1700
Nov 05, 2024
$0.1600
Aug 06, 2024
$0.1600
May 06, 2024
$0.1600
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