CIVB Civista Bancshares, Inc. - Common Stock

NASDAQ · Banking · Lihat di SEC EDGAR ↗
$24,93
Harga · Mei 20, 2026
Fundamental per Mei 8, 2026

CIVB Cuplikan Saham Harga, kapitalisasi pasar, P/E, EPS, ROE, utang/ekuitas, kisaran 52 minggu

Harga
$24.93
Kapitalisasi Pasar
P/E (TTM)
8.4
EPS (TTM)
$2.64
Pendapatan (TTM)
$19M
Imbal Hasil Dividen
ROE
9.8%
D/E Utang/Ekuitas
Rentang 52M
$19 – $28

CIVB Grafik Harga Saham OHLCV harian dengan indikator teknis — geser, perbesar, dan sesuaikan tampilan Anda

Kinerja 10 Tahun Tren Pendapatan, laba bersih, margin, dan EPS

Pendapatan & Laba Bersih $19M
10-point trend, +43.0%
2016-12-31 2025-12-31
EPS $2.64
10-point trend, +68.2%
2016-12-31 2025-12-31
Arus Kas Bebas $42M
10-point trend, +175.8%
2016-12-31 2025-12-31
Margin 242.9%

Valuasi Rasio P/E, P/S, P/B, EV/EBITDA — apakah sahamnya mahal atau murah?

Metrik
Tren 5 Tahun
CIVB
Median Rekan
P/E (TTM)
5-point trend, -9.3%
8.4
10.3

Profitabilitas Margin kotor, operasional, dan bersih; ROE, ROA, ROIC

Metrik
Tren 5 Tahun
CIVB
Median Rekan
Net Profit Margin (Margin Laba Bersih)
5-point trend, +17.6%
242.9%
26.9%
ROA
5-point trend, -21.4%
1.1%
1.1%
ROE
5-point trend, -15.4%
9.8%
10.9%

Kesehatan Keuangan Utang, likuiditas, solvabilitas — kekuatan neraca

Metrik
Tren 5 Tahun
CIVB
Median Rekan

Pertumbuhan Pertumbuhan Pendapatan, EPS, dan Laba Bersih: YoY, CAGR 3T, CAGR 5T

Metrik
Tren 5 Tahun
CIVB
Median Rekan
Revenue YoY (Pendapatan YoY)
5-point trend, -3.1%
-0.52%
Revenue CAGR 3Y (CAGR Pendapatan 3T)
5-point trend, -3.1%
-8.1%
Revenue CAGR 5Y (CAGR Pendapatan 5T)
5-point trend, -3.1%
2.3%
EPS YoY
5-point trend, +0.4%
31.3%
Net Income YoY (Laba Bersih YoY)
5-point trend, +14.0%
45.9%

Metrik Per Saham EPS, nilai buku per saham, arus kas per saham, dividen per saham

Metrik
Tren 5 Tahun
CIVB
Median Rekan
EPS (Diluted)
5-point trend, +0.4%
$2.64

Efisiensi Modal Perputaran aset, perputaran persediaan, perputaran piutang

Metrik
Tren 5 Tahun
CIVB
Median Rekan
Payout Ratio (Rasio Pembayaran Dividen)
5-point trend, +29.2%
25.6%

Dividen Yield, rasio pembayaran, riwayat dividen, CAGR 5 tahun

Imbal Hasil Dividen
Rasio Pembayaran Dividen
25.6%
CAGR Dividen 5T
Tanggal ex-dividenJumlah
5 Mei 2026$0,1800
10 Feb. 2026$0,1800
4 Nov. 2025$0,1700
5 Agu 2025$0,1700
29 April 2025$0,1700
4 Feb. 2025$0,1700
5 Nov. 2024$0,1600
6 Agu 2024$0,1600
6 Mei 2024$0,1600
12 Feb. 2024$0,1600
6 Nov. 2023$0,1600
7 Agu 2023$0,1600
8 Mei 2023$0,1500
13 Feb. 2023$0,1400
7 Nov. 2022$0,1400
8 Agu 2022$0,1400
9 Mei 2022$0,1400
14 Feb. 2022$0,1400
18 Okt. 2021$0,1400
19 Juli 2021$0,1400

CIVB Konsensus Analis Opini analis bullish dan bearish, target harga 12 bulan, potensi kenaikan

BELI 12 analis
  • Beli Kuat 2 16,7%
  • Beli 6 50,0%
  • Tahan 4 33,3%
  • Jual 0 0,0%
  • Jual Kuat 0 0,0%

Target Harga 12 Bulan

6 analis · 2026-05-18
Target median $28.00 +12,3%
Target rata-rata $27.67 +11,0%

Riwayat Pendapatan EPS aktual vs perkiraan, kejutan %, tingkat keberhasilan, tanggal pendapatan berikutnya

Kejutan Rata-rata
0.09%
Periode EPS Aktual EPS Estimasi Kejutan
31 Maret 2026 $0.72 $0.63 0.09%
31 Des. 2025 $0.75 $0.58 0.17%
30 Sep. 2025 $0.68 $0.61 0.07%
30 Juni 2025 $0.71 $0.71 0.00%
31 Maret 2025 $0.66 $0.53 0.13%

Perbandingan Sejawat Metrik utama vs rekan sektor

Ticker Kapitalisasi Pasar P/E Pendapatan YoY Margin Bersih ROE Margin Kotor
CIVB 8.4 -0.52% 242.9% 9.8%
FFIC 28.1 7.3%
UNTY $516M 9.1 23.1% 44.0% 18.1%
SFST $423M 13.8 13.0% 483.4% 8.5%
KRNY $416M 15.4 16.9% 3.5%
BWB $487M 11.8 30.8% 32.1% 9.3%
CBNK $461M 8.3 31.7% 23.3% 14.6%
HBCP $453M 9.8 10.2% 31.0% 10.9%
BSRR $434M 10.5 2.5% 27.3% 11.8%
TFC $62.13B 12.9 53.0% 26.1% 8.2%

Fundamental Lengkap Semua metrik per tahun — laporan laba rugi, neraca, arus kas

Laporan Laba Rugi 10
Data Laporan Laba Rugi Tahunan untuk CIVB
Metrik Tren 2025202420232022202120202019201820172016
Revenue 10-point trend, +43.0% $19M $19M $30M $25M $20M $17M $18M $15M $14M $13M
Interest Expense 8-point trend, +1630.3% · · $57M $16M $10M $10M $13M $8M $4M $3M
Interest Income 10-point trend, +312.5% $221M $207M $183M $126M $105M $100M $98M $74M $59M $54M
Pretax Income 10-point trend, +131.7% $55M $37M $51M $47M $48M $37M $40M $17M $22M $24M
Income Tax 10-point trend, +36.3% $9M $5M $8M $8M $8M $5M $6M $3M $6M $7M
Net Income 10-point trend, +168.4% $46M $32M $43M $39M $41M $32M $34M $14M $16M $17M
EPS (Basic) 10-point trend, +34.7% $2.64 $2.01 $2.73 $2.60 $2.63 $2.00 $2.12 $1.10 $1.48 $1.96
EPS (Diluted) 10-point trend, +68.2% $2.64 $2.01 $2.73 $2.60 $2.63 $2.00 $2.01 $1.02 $1.28 $1.57
Shares (Basic) 10-point trend, +117.5% 17,421,400 15,391,739 15,154,767 14,970,630 15,343,215 16,080,863 15,612,868 11,971,786 9,906,856 8,010,399
Shares (Diluted) 10-point trend, +59.1% 17,421,400 15,391,739 15,154,767 14,970,630 15,343,215 16,080,863 16,851,740 13,855,707 12,352,616 10,950,961
Neraca 13
Data Neraca Tahunan untuk CIVB
Metrik Tren 2025202420232022202120202019201820172016
PP&E (Net) 10-point trend, +126.6% $41M $47M $57M $64M $22M $23M $23M $22M $18M $18M
PP&E (Gross) 10-point trend, +204.7% $126M $132M $125M $106M $60M $59M $57M $54M $43M $41M
Accum. Depreciation 10-point trend, +264.2% $86M $85M $69M $42M $38M $36M $34M $32M $26M $24M
Goodwill 10-point trend, +381.4% $130M $126M $126M $126M $77M $77M $77M $77M $27M $27M
Intangibles 10-point trend, +634.3% $13M $8M $10M $11M $8M $8M $8M $9M $1M $2M
Total Assets 10-point trend, +214.9% $4.34B $4.10B $3.86B $3.64B $3.01B $2.77B $2.31B $2.14B $1.53B $1.38B
Total Liabilities 10-point trend, +206.0% $3.79B $3.71B $3.49B $3.30B $2.66B $2.42B $1.98B $1.84B $1.34B $1.24B
Common Stock 10-point trend, +252.8% $420M $312M $311M $310M $278M $277M $276M $267M $154M $119M
Retained Earnings 10-point trend, +1144.8% $240M $205M $184M $156M $126M $93M $68M $41M $32M $19M
Treasury Stock 10-point trend, +339.6% $76M $76M $75M $74M $57M $35M $21M $17M $17M $17M
AOCI 10-point trend, -1625.1% $-40M $-53M $-48M $-58M $9M $15M $7M $-1M $-1M $-2M
Stockholders' Equity 10-point trend, +294.9% $543M $389M $372M $329M $355M $350M $330M $299M $184M $138M
Liabilities + Equity 10-point trend, +214.9% $4.34B $4.10B $3.86B $3.64B $3.01B $2.77B $2.31B $2.14B $1.53B $1.38B
Arus Kas 15
Data Arus Kas Tahunan untuk CIVB
Metrik Tren 2025202420232022202120202019201820172016
Stock-based Comp 10-point trend, +163.8% $852.0K $871.0K $984.0K $819.0K $702.0K $617.0K $531.0K $428.0K $426.0K $323.0K
Deferred Tax 9-point trend, -1190.0% · $-2M $-675.0K $483.0K $1M $-2M $663.0K $151.0K $435.0K $170.0K
Amort. of Intangibles 10-point trend, +123.7% $2M $1M $2M $1M $890.0K $913.0K $945.0K $366.0K $586.0K $699.0K
Operating Cash Flow 10-point trend, +144.4% $43M $48M $63M $25M $41M $33M $39M $20M $21M $18M
CapEx 10-point trend, -52.5% $1M $4M $3M $7M $2M $2M $3M $1M $1M $2M
Investing Cash Flow 10-point trend, +187.4% $56M $-259M $-312M $-410M $-130M $-341M $-151M $-34M $-146M $-64M
Stock Issued 2-point trend, +130.5% $76M · · · · · · · $33M ·
Stock Repurchased 8-point trend, +4350.0% $178.0K $164.0K $2M $17M $22M $13M $4M · $4.0K ·
Net Stock Activity 8-point trend, +130.0% $75M $-164.0K $-2M $-17M $-22M $-13M $-4M · $33M ·
Dividends Paid 10-point trend, +263.7% $12M $10M $10M $8M $8M $7M $7M $5M $4M $3M
Financing Cash Flow 10-point trend, -280.2% $-85M $213M $266M $164M $217M $399M $117M $16M $129M $47M
Net Change in Cash 10-point trend, +1149.1% $14M $3M $17M $-221M $127M $90M $5M $2M $4M $1M
Taxes Paid $8M · · · · · · · · ·
Free Cash Flow 10-point trend, +175.8% $42M $44M $59M $19M $39M $30M $36M $18M $20M $15M
Levered FCF 8-point trend, -17.1% · · $11M $9M $33M $21M $25M $12M $17M $13M
Profitabilitas 4
Data Profitabilitas Tahunan untuk CIVB
Metrik Tren 2025202420232022202120202019201820172016
Net Margin 10-point trend, +836.9% 242.9% 165.7% 141.1% 160.7% 206.5% 190.0% 190.5% 92.3% 22.4% 25.9%
Pretax Margin 10-point trend, +708.8% 290.4% 191.3% 166.2% 191.7% 242.2% 219.1% 222.5% 109.6% 31.4% 35.9%
ROA 10-point trend, -14.1% 1.1% 0.80% 1.1% 1.2% 1.4% 1.3% 1.5% 0.77% 1.1% 1.3%
ROE 10-point trend, -25.6% 9.8% 8.1% 12.2% 12.4% 11.5% 9.3% 10.3% 4.8% 9.9% 13.1%
Efisiensi 1
Data Efisiensi Tahunan untuk CIVB
Metrik Tren 2025202420232022202120202019201820172016
Asset Turnover 10-point trend, -90.9% 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Per Saham 4
Data Per Saham Tahunan untuk CIVB
Metrik Tren 2025202420232022202120202019201820172016
Revenue / Share 10-point trend, -82.0% $1.09 $1.24 $2.01 $1.64 $1.28 $1.05 $1.06 $1.11 $5.73 $6.06
Cash Flow / Share 10-point trend, +53.6% $2.48 $3.13 $4.14 $1.68 $2.66 $2.00 $2.35 $1.44 $1.69 $1.62
Dividend Paid / Share · · · · · · · · · $0
EPS (TTM) 10-point trend, +68.2% $2.64 $2.01 $2.73 $2.60 $2.63 $2.00 $2.01 $1.02 $1.28 $1.57
Tingkat Pertumbuhan 10
Data Tingkat Pertumbuhan Tahunan untuk CIVB
Metrik Tren 2025202420232022202120202019201820172016
Revenue YoY 5-point trend, -103.3% -0.52% -37.2% 24.1% 25.0% 15.9% · · · · ·
Revenue CAGR 3Y 3-point trend, -137.7% -8.1% -0.88% 21.6% · · · · · · ·
Revenue CAGR 5Y 2.3% · · · · · · · · ·
EPS YoY 5-point trend, -0.5% 31.3% -26.4% 5.0% -1.1% 31.5% · · · · ·
EPS CAGR 3Y 3-point trend, -95.3% 0.51% -8.6% 10.9% · · · · · · ·
EPS CAGR 5Y 5.7% · · · · · · · · ·
Net Income YoY 5-point trend, +76.7% 45.9% -26.3% 9.0% -2.8% 25.9% · · · · ·
Net Income CAGR 3Y 3-point trend, -46.1% 5.4% -7.9% 10.1% · · · · · · ·
Net Income CAGR 5Y 7.5% · · · · · · · · ·
Dividend CAGR 5Y 10.7% · · · · · · · · ·
Valuasi (TTM) 6
Data Valuasi (TTM) Tahunan untuk CIVB
Metrik Tren 2025202420232022202120202019201820172016
Revenue TTM 10-point trend, +43.0% $19M $19M $30M $25M $20M $17M $18M $15M $14M $13M
Net Income TTM 10-point trend, +168.4% $46M $32M $43M $39M $41M $32M $34M $14M $16M $17M
P/E 10-point trend, -32.0% 8.4 10.5 6.8 8.5 9.3 8.8 11.9 17.1 17.2 12.4
Earnings Yield 10-point trend, +47.0% 11.9% 9.6% 14.8% 11.8% 10.8% 11.4% 8.4% 5.9% 5.8% 8.1%
Payout Ratio 10-point trend, +35.5% 25.6% 31.8% 22.3% 21.5% 19.8% 22.1% 21.2% 33.6% 23.2% 18.9%
Annual Payout 10-point trend, +263.7% $12M $10M $10M $8M $8M $7M $7M $5M $4M $3M

Laporan Keuangan Laporan laba rugi, neraca, arus kas — tahunan, 5 tahun terakhir

Laporan Laba Rugi
2025-12-312024-12-312023-12-312022-12-312021-12-31
Pendapatan $19M$19M$30M$25M$20M
Laba Bersih $46M$32M$43M$39M$41M
EPS Dilusian $2.64$2.01$2.73$2.60$2.63
Arus Kas
2025-12-312024-12-312023-12-312022-12-312021-12-31
Arus Kas Bebas $42M$44M$59M$19M$39M

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