# Civista Bancshares share price today (Civista Bancshares, Inc., CIVB)

> Civista Bancshares, Inc.'s results are improving, and its P/BV is near the top of its own history, higher than 94% of past readings. CIVB · Financials · Banks - Regional · data as of 4 November 2026. Page: https://www.sectoralpha.in/us/stocks/civb

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## Key numbers

- Business trend: Mixed, from the last 12 quarters
- Price: $28.81 (+31.7% in a year)
- P/BV: 1.1× (higher than 94% of the last 5.3 years)
- Revenue (Sep 2026): $47.8 M (+8.7% on a year ago)
- Profit (Sep 2026): $16.0 M (+25.7% on a year ago)
- Net margin: 33.4% (+4.5 points on a year ago)
- ROE: 11%, FY25
- ROA: 1.37%, latest

The main question: results are strong, and the P/BV is higher than 94% of its own history. ## What is the Civista Bancshares share price today? Civista Bancshares, Inc.'s share price was $28.81 at the close on 4 November 2026. It has been rising for 33 weeks. That is 11.1% above its average price over the last 200 trading days. In the last 52 weeks it traded between $22 and $29, and at that close it sat 97% of the way up from that low. Over the past 13 weeks it has done better than the S&P 500, and it has stayed ahead for 1 week in a row. Over the last 10 years the share price moved +111% while the S&P 500 moved +245%, so it is behind the index over that whole period. The chart above shows the 13-week comparison for every week. This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row. ## What dividend does Civista Bancshares pay? Civista Bancshares, Inc. paid $0.71 per share over the last four reported quarters. The most recent declaration was $0.18 for Sep 2026. At today's price of $28.81 that is a yield of 2.46%, based on dividends already paid, not a forecast. ## Which stock lists is Civista Bancshares on? Civista Bancshares is not in the Nasdaq 100, the S&P 500 or the Dow Jones 30, and is not on the US tech stocks list. ## Is Civista Bancshares profitable? Civista Bancshares, Inc. earned $16.0 M of net profit in the Sep 2026 quarter, +25.7% on the same quarter a year earlier. That is the 8th quarter in a row of profit growth. Full-year FY25 profit was $46.0 M. Over 4 years profit has grown 3.3% a year on average. That is 33.4% of the quarter's revenue. The same quarter a year earlier earned $12.7 M. For the full year, FY25 profit was $46.0 M (+48.5% on the year before). Why profit moved: revenue changed +8.7% on a year earlier and the margin moved +4.5 percentage points. Most of the change came from keeping more of each sale. On average over the last four quarters, profit changed +32.6% and revenue +15.0%. Profit is growing faster than sales: fixed costs are spread over more sales, so each extra dollar of revenue adds more to profit. ## How much revenue does Civista Bancshares make, and is it growing? Civista Bancshares, Inc. reported $47.8 M of income in the Sep 2026 quarter, +8.7% on the same quarter a year earlier. That is the 8th quarter in a row with growth on the year before. Over 4 years it has grown 7.6% a year on average. The last full year, FY25, came in at $169 M. The last four reported quarters add to $187 M. FY25 revenue was $169 M, +13.5% on the year before. Recent pace: the last four quarters grew +15.0% on average, against 7.6% a year over the longer run, so this year is growing faster than its own long-run rate. Is growth speeding up? Revenue over the last 12 months grew +14.8%, against +13.0% a year over the last 8 quarters (stabilising); profit over the last 12 months grew +32.2%, against +37.5% a year (rolling over). ## How much does Civista Bancshares keep from what it earns? Civista Bancshares, Inc.'s net margin was 33.4% in the Sep 2026 quarter, 4.5 percentage points higher than the same quarter a year ago. Across 5 years it has been between 20.8% and 32.0%. The latest quarter is above every full year in that period. Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason. ## How many of Civista Bancshares' loans have gone bad? Civista Bancshares, Inc. does not report loan-quality figures this page can read, so this section says so rather than guess. No bad-loan figures are filed in a form this page can read, and none are guessed from the profit line. The income, margin and return sections carry what this business does report. Why: loan quality drives a lender, but its details (new bad loans, recoveries, money set aside) are not in our data for this company. The sections around this one carry what we can back up. ## How fast is Civista Bancshares' loan book growing? Civista Bancshares, Inc.'s revenue was $169 M in FY25, +13.5% on the year before, so the loan book is growing. The latest quarter was +8.7% on a year earlier. The net margin on that income is 33.4%, +4.5 percentage points on a year ago. Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year. In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Quarterly loan-quality figures are missing here, so revenue growth and margin are the two we watch. ## What is Civista Bancshares' P/BV ratio, and how does it compare with its own history? Civista Bancshares, Inc.'s P/BV is 1.1×, near the high end of its own history: higher than 94% of past readings. Its usual P/BV (the middle reading) is 0.9×, over 5.3 years of weekly prices. This compares the share price with the company’s own past. It does not say what the business is worth. Why the multiple is low: this lender earns about 11% a year on its equity. A lender that earns less on its net worth is valued lower for each dollar of it, and that gap usually closes only if returns improve. Why the multiple is where it is: over the past year book value grew while the price moved +31.7%. The price ran ahead of book value, which pushed the multiple up within its own range. Where the price move came from: over 5 years the price moved +2.7% a year; about +2.9% a year came from book-value growth and about −0.2 percentage points from the multiple (roughly no change). The split is approximate (price return minus book-value growth). It shows how much of the move came from the market paying a different multiple. In short: the multiple is high against its own past, so the book value trend underneath matters more than the multiple. ## Is the Civista Bancshares business getting better or worse? Civista Bancshares, Inc.'s business is giving mixed signals. Growth is slowing from a very fast pace: profit growth has eased from +46.3% at its peak to +32.2%, but the business is still expanding, with ROE steady at 10.4%. This is based on 12 quarters of 4 measures. Why it matters: when the lines disagree, each line above matters more than any single label. ## How much does Civista Bancshares earn on its equity and assets? Civista Bancshares, Inc. earned a return on equity of 9% in FY25. Its lowest yearly reading on file was 8% in FY24. On its assets, every $100 earned about $1.37, before the effect of borrowing. For a lender the balance sheet is the business, so the return on equity and on assets have to be read together. That return is below the level a bank needs to grow its net worth quickly, which helps explain why its multiple is where it is. Why: the ROE chart shows the move, but the deposit-cost and bad-loan details behind it are not in our data. ## Does Civista Bancshares have too much debt? For a bank, borrowing is the raw material of the business, not a warning sign: it borrows money in order to lend it out. Its safety is read through its returns and its loans. Its safety is read from the bad-loan figures and the return on equity instead. For a manufacturer, debt is a claim on its profits. For a lender it is the stock it trades in, so the usual debt-to-equity test would mislead and is not used here. ## What is the Civista Bancshares shareholding pattern? 3.6% of Civista Bancshares, Inc.'s tradable shares are in short positions, which are bets that the price will fall, so some traders are betting against it. At normal trading volumes, closing those positions would take about 5.8 days. US companies do not publish a quarter-by-quarter list of owners, so this page uses short interest instead. It is a single reading at one point in time; we do not have its history. Why it is at this level: the figure does not say who holds the short positions or why, so we show the level without guessing the story. ## How far is Civista Bancshares from balance-sheet trouble? For Civista Bancshares, Inc., the Z-score is not used, because it was built for manufacturers, not lenders. For a lender, safety is read from its capital and bad-loan figures instead. ## How does Civista Bancshares rank in its industry? There is no score against its industry: Civista Bancshares, Inc. is not among the largest members shown in this industry comparison for Banks - Regional. The score ranks a company within its industry: each measure is scored against the other members. Without that group there is no score, so none is shown. ## Which companies is Civista Bancshares compared with? No sector comparison is shown here, not among the largest members shown in this industry comparison. ## Which companies are close to Civista Bancshares in size? Civista Bancshares is the 198th largest of 274 Banks - Regional companies on Sector Alpha by market value (scores of 5 November 2026). Just above it: Northfield Bancorp, Inc., Greene County Bancorp, Inc. and Unity Bancorp, Inc. Just below it: Kearny Financial Corp., Southern First Bancshares, Inc. and Bridgewater Bancshares, Inc. ### Banks - Regional companies close in size

1. [Northfield Bancorp, Inc.](https://www.sectoralpha.in/us/stocks/nfbk) $639 million
2. [Greene County Bancorp, Inc.](https://www.sectoralpha.in/us/stocks/gcbc) $623 million
3. [Unity Bancorp, Inc.](https://www.sectoralpha.in/us/stocks/unty) $598 million
4. Civista Bancshares, Inc. $597 million
5. [Kearny Financial Corp.](https://www.sectoralpha.in/us/stocks/krny) $589 million
6. [Southern First Bancshares, Inc.](https://www.sectoralpha.in/us/stocks/sfst) $583 million
7. [Bridgewater Bancshares, Inc.](https://www.sectoralpha.in/us/stocks/bwb) $581 million

[All 274 Banks - Regional companies, largest first](https://www.sectoralpha.in/us/sectors/banks-regional#all-companies)

### Companies close in size in other industries

1. [Stratasys Ltd.](https://www.sectoralpha.in/us/stocks/ssys) $597 million · Computer Hardware
2. [Enovix Corporation](https://www.sectoralpha.in/us/stocks/envx) $597 million · Electrical Equipment & Parts
3. Civista Bancshares, Inc. $597 million
4. [IBEX Limited](https://www.sectoralpha.in/us/stocks/ibex) $594 million · Information Technology Services
5. [SOPHiA GENETICS SA](https://www.sectoralpha.in/us/stocks/soph) $593 million · Health Information Services

## What else do people ask about Civista Bancshares? ### What were Civista Bancshares's latest quarterly results? Civista Bancshares, Inc. reported total income of $47.8 M and net profit of $16.0 M for the Sep 2026 quarter. Income rose 8.7% and profit rose 25.7% compared with a year earlier. Earnings per share were $0.77. The net margin was 33.4%, 4.5 percentage points higher than a year earlier (as of 4 November 2026). ### What is Civista Bancshares's market cap? Civista Bancshares, Inc.'s market capitalisation is $597 M at a stock price of $28.81. Market cap is the share price times the number of shares, so it changes whenever the price moves (as of 4 November 2026). ### How is Civista Bancshares performing? Civista Bancshares, Inc.'s share price has been rising for 33 weeks. In its latest quarter, income rose 8.7% and profit rose 25.7% compared with a year earlier. Over the past 13 weeks it has done better than the S&P 500, for 1 week running (as of 4 November 2026). ### Will Civista Bancshares's stock price go up? This page does not forecast Civista Bancshares, Inc.'s stock price. What it shows instead: the stock price is $28.81, and it has been rising for 33 weeks. Its P/BV of 1.1× is higher than 94% of its own last 5 years (as of 4 November 2026). ### Where is Civista Bancshares in its business cycle? Civista Bancshares, Inc.'s FY25 net margin was 27.2%, against a 5-year range of 20.8% to 32.0%: the middle of its own range, neither a peak nor a low. The latest quarter was 33.4%. Comparing margins with a company's own long history is a good way to see where it is in its cycle (as of 4 November 2026). ### What could break the Civista Bancshares story? The main question: results are strong, and the P/BV is higher than 94% of its own history. On price, this page treats a rise as over when the share price closes below its 200-day average on two Fridays in a row (as of 4 November 2026). ### Is Civista Bancshares a stock worth studying right now? What the numbers show: Civista Bancshares, Inc.'s results are improving, and its P/BV is near the top of its own history, higher than 94% of past readings. The main open question: whether earnings grow enough to match the multiple. Every number on this page is worked out by code from the published figures, with no forecasts and no price opinions (as of 4 November 2026). This is research, not advice. We’re not SEBI-registered.