Civista Bancshares, Inc.

NasdaqCM:CIVB Stock Report

Market Cap: US$239.1m

Civista Bancshares Valuation

Is CIVB undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

6/6

Valuation Score 6/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of CIVB when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: CIVB ($15.38) is trading below our estimate of fair value ($28.7)

Significantly Below Fair Value: CIVB is trading below fair value by more than 20%.


Key Valuation Metric

Which metric is best to use when looking at relative valuation for CIVB?

Other financial metrics that can be useful for relative valuation.

CIVB key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ratio-0.4x

Price to Earnings Ratio vs Peers

How does CIVB's PE Ratio compare to its peers?

The above table shows the PE ratio for CIVB vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average10.1x
RVRF River Financial
8.6xn/aUS$230.0m
PBFS Pioneer Bancorp
14.4xn/aUS$249.6m
CVLY Codorus Valley Bancorp
8.7xn/aUS$216.4m
BCML BayCom
8.6x-0.9%US$233.2m
CIVB Civista Bancshares
5.8x-15.2%US$239.1m

Price-To-Earnings vs Peers: CIVB is good value based on its Price-To-Earnings Ratio (5.8x) compared to the peer average (10.1x).


Price to Earnings Ratio vs Industry

How does CIVB's PE Ratio compare vs other companies in the US Banks Industry?

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a6.1%
n/an/an/a
No. of CompaniesPE048121620

Fetching data

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a6.1%
n/an/an/a
No more companies

Price-To-Earnings vs Industry: CIVB is good value based on its Price-To-Earnings Ratio (5.8x) compared to the US Banks industry average (9.6x).


Price to Earnings Ratio vs Fair Ratio

What is CIVB's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

CIVB PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio5.8x
Fair PE Ratio6.8x

Price-To-Earnings vs Fair Ratio: CIVB is good value based on its Price-To-Earnings Ratio (5.8x) compared to the estimated Fair Price-To-Earnings Ratio (6.8x).


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst CIVB forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$15.38
US$19.42
+26.2%
7.0%US$21.00US$17.50n/a6
Mar ’25US$15.00
US$19.50
+30.0%
6.5%US$21.00US$18.00n/a6
Feb ’25US$16.76
US$20.70
+23.5%
3.6%US$22.00US$20.00n/a5
Jan ’25US$18.44
US$19.70
+6.8%
9.0%US$22.00US$16.50n/a5
Dec ’24US$16.32
US$18.50
+13.4%
7.3%US$20.00US$16.50n/a5
Nov ’24US$14.52
US$18.50
+27.4%
7.3%US$20.00US$16.50n/a5
Oct ’24US$15.50
US$21.33
+37.6%
5.2%US$22.00US$19.00n/a6
Sep ’24US$17.21
US$21.75
+26.4%
1.8%US$22.00US$21.00n/a6
Aug ’24US$18.26
US$21.75
+19.1%
1.8%US$22.00US$21.00n/a6
Jul ’24US$17.40
US$20.83
+19.7%
11.9%US$25.00US$17.00n/a6
Jun ’24US$14.77
US$20.67
+39.9%
12.7%US$25.00US$17.00n/a6
May ’24US$15.51
US$22.20
+43.1%
6.6%US$25.00US$21.00n/a5
Apr ’24US$16.88
US$27.00
+60.0%
12.2%US$30.00US$21.00n/a5
Mar ’24US$21.75
US$27.67
+27.2%
6.2%US$30.00US$25.50US$15.006
Feb ’24US$21.93
US$27.67
+26.2%
6.2%US$30.00US$25.50US$16.766
Jan ’24US$22.01
US$27.86
+26.6%
6.0%US$30.00US$25.50US$18.447
Dec ’23US$22.81
US$27.86
+22.1%
6.0%US$30.00US$25.50US$16.327
Nov ’23US$23.69
US$28.00
+18.2%
6.3%US$30.00US$25.50US$14.526
Oct ’23US$20.76
US$27.75
+33.7%
10.5%US$32.00US$23.50US$15.506
Sep ’23US$21.33
US$27.92
+30.9%
9.6%US$32.00US$24.50US$17.216
Aug ’23US$21.99
US$27.75
+26.2%
10.0%US$32.00US$24.50US$18.266
Jul ’23US$21.45
US$29.08
+35.6%
9.3%US$33.00US$25.00US$17.406
Jun ’23US$21.04
US$29.17
+38.6%
8.9%US$33.00US$25.50US$14.776
May ’23US$20.82
US$29.17
+40.1%
8.9%US$33.00US$25.50US$15.516
Apr ’23US$24.38
US$30.17
+23.7%
8.0%US$34.00US$28.00US$16.886
Mar ’23US$23.70
US$29.83
+25.9%
6.5%US$33.00US$28.00US$21.756

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.


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