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Civista Bancshares DB:44Q Stock Report

Last Price


Market Cap







22 Mar, 2023


Company Financials +

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.


Risk analysis

Snowflake Analysis

44Q fundamental analysis
Snowflake Score
Future Growth3/6
Past Performance2/6
Financial Health6/6

My Notes

Capture your thoughts, links and company narrative

Civista Bancshares, Inc. Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Civista Bancshares
Historical stock prices
Current Share PriceUS$16.50
52 Week HighUS$23.80
52 Week LowUS$16.00
1 Month Change-18.32%
3 Month Change-20.67%
1 Year Change-24.31%
3 Year Change33.06%
5 Year Changen/a
Change since IPO-18.32%

Recent News & Updates

Recent updates

Shareholder Returns

44QDE BanksDE Market

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

Is 44Q's price volatile compared to industry and market?
44Q volatility
44Q Average Weekly Movement4.8%
Banks Industry Average Movement3.9%
Market Average Movement5.1%
10% most volatile stocks in DE Market9.3%
10% least volatile stocks in DE Market2.7%

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

How do Civista Bancshares's earnings and revenue compare to its market cap?
44Q fundamental statistics
Market Cap€272.35m
Earnings (TTM)€36.10m
Revenue (TTM)€127.53m


P/E Ratio


P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
44Q income statement (TTM)
Cost of RevenueUS$0
Gross ProfitUS$137.53m
Other ExpensesUS$98.60m

Last Reported Earnings

Dec 31, 2022

Next Earnings Date


Earnings per share (EPS)2.48
Gross Margin100.00%
Net Profit Margin28.31%
Debt/Equity Ratio166.7%

How did 44Q perform over the long term?

See historical performance and comparison



Current Dividend Yield


Payout Ratio