44Q Stock Overview
About the company
Civista Bancshares, Inc. operates as the financial holding company for Civista Bank that provides community banking services. It collects a range of customer deposits; and offers commercial and agriculture, commercial and residential real estate, farm real estate, real estate construction, consumer, and other loans, as well as letters of credit. The company also purchases equity securities; and provides trust and third-party insurance services. It operates in North Central, West Central, South Western Ohio, South Eastern Indiana, and Northern Kentucky. The company was formerly known as First Citizens Banc Corp and changed its name to Civista Bancshares, Inc. in May 2015. Civista Bancshares, Inc. was founded in 1884 and is headquartered in Sandusky, Ohio.
Snowflake Analysis
| Snowflake Score | |
|---|---|
| Valuation | 6/6 |
| Future Growth | 3/6 |
| Past Performance | 2/6 |
| Financial Health | 6/6 |
| Dividends | 4/6 |
My Notes
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Civista Bancshares, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$16.50 |
| 52 Week High | US$23.80 |
| 52 Week Low | US$16.00 |
| Beta | 0.79 |
| 1 Month Change | -18.32% |
| 3 Month Change | -20.67% |
| 1 Year Change | -24.31% |
| 3 Year Change | 33.06% |
| 5 Year Change | n/a |
| Change since IPO | -18.32% |
Recent News & Updates
Recent updates
Shareholder Returns
| 44Q | DE Banks | DE Market | |
|---|---|---|---|
| 7D | 3.1% | -2.7% | -0.7% |
| 1Y | -24.3% | -1.5% | -13.0% |
Return vs Industry: 44Q underperformed the German Banks industry which returned -1.5% over the past year.
Return vs Market: 44Q underperformed the German Market which returned -13% over the past year.
Price Volatility
| 44Q volatility | |
|---|---|
| 44Q Average Weekly Movement | 4.8% |
| Banks Industry Average Movement | 3.9% |
| Market Average Movement | 5.1% |
| 10% most volatile stocks in DE Market | 9.3% |
| 10% least volatile stocks in DE Market | 2.7% |
Stable Share Price: 44Q is not significantly more volatile than the rest of German stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: 44Q's weekly volatility (5%) has been stable over the past year.
Civista Bancshares, Inc. Fundamentals Summary
| 44Q fundamental statistics | |
|---|---|
| Market Cap | €272.35m |
| Earnings (TTM) | €36.10m |
| Revenue (TTM) | €127.53m |
7.5x
P/E Ratio0.9x
P/B RatioIs 44Q overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| 44Q income statement (TTM) | |
|---|---|
| Revenue | US$137.53m |
| Cost of Revenue | US$0 |
| Gross Profit | US$137.53m |
| Other Expenses | US$98.60m |
| Earnings | US$38.93m |
Last Reported Earnings
Dec 31, 2022
Next Earnings Date
n/a
| Earnings per share (EPS) | 2.48 |
| Gross Margin | 100.00% |
| Net Profit Margin | 28.31% |
| Debt/Equity Ratio | 166.7% |
How did 44Q perform over the long term?
See historical performance and comparison