44Q Stock Chart & Stats
€21.60
€0.60(2.50%)
At close: 4:00 PM EDT
€21.60
€0.60(2.50%)
Day’s Range― - ―
52-Week Range€16.50 - €25.40
Previous CloseN/A
Volume0.00
Average Volume (3M)0.00
Market Cap
€489.51M
Enterprise Value€756.63M
Total Cash (Recent Filing)€765.10M
Total Debt (Recent Filing)€228.38M
Price to Earnings (P/E)9.8
Beta0.54
Next Earnings
Oct 22, 2026EPS Estimate
0.62Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)2.70
Shares Outstanding20,783,348
10 Day Avg. Volume0
30 Day Avg. Volume0
Financial Highlights & Ratios
PEG Ratio0.27
Price to Book (P/B)0.72
Price to Sales (P/S)1.53
P/FCF Ratio9.24
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€28.25Price Target Upside30.80% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)2.53
Revenue Forecast (FY)€172.63M
Bulls Say, Bears Say
Bulls Say
Strong Cash ConversionStrong operating and free cash flow indicate that reported earnings are converting effectively into cash, supporting dividends, organic lending growth, technology investment, and capital resilience. This gives Civista greater flexibility to fund its regional banking strategy without relying solely on external financing.
Improving Profitability And Lending PipelineHigher year-over-year earnings, expanding net interest margin, and stronger commercial pipelines point to improving operating capacity in the core banking franchise. If these trends persist, they can support loan growth and earnings durability while management reinvests in revenue-producing businesses.
Improved Balance-sheet ResilienceLower relative leverage and a larger equity base strengthen Civista’s ability to absorb credit or funding stress and continue serving customers through changing conditions. The improved capital position also provides a more durable foundation for organic expansion, dividends, and selective strategic investment.
Bears Say
Revenue Decline And Margin VolatilityThe decline in trailing revenue and history of changing margins create uncertainty about the persistence of current earnings strength. Continued top-line pressure could reduce operating leverage and make it harder for Civista to sustain profitability if loan growth or funding conditions weaken.
Core Deposit CompetitionFunding competition can raise the cost of deposits and compress the spread between loan yields and funding expenses, directly challenging net interest income. Ongoing migration toward higher-rate accounts may also make future margin expansion harder even if loan production remains healthy.
Unrealized Securities LossesThe securities portfolio’s unrealized losses represent a balance-sheet and liquidity sensitivity if securities must be sold or repositioned during stressed conditions. Although the losses are not necessarily realized, they can constrain flexibility and complicate asset-liability management over the medium term.
Civista Bancshares News
44Q FAQ
What was Civista Bancshares Inc’s price range in the past 12 months?
Civista Bancshares Inc lowest stock price was €16.50 and its highest was €25.40 in the past 12 months.
What is Civista Bancshares Inc’s market cap?
Civista Bancshares Inc’s market cap is €489.51M.
When is Civista Bancshares Inc’s upcoming earnings report date?
Civista Bancshares Inc’s upcoming earnings report date is Oct 22, 2026 which is in 9 days.
How were Civista Bancshares Inc’s earnings last quarter?
Civista Bancshares Inc released its earnings results on Jul 23, 2026. The company reported €0.618 earnings per share for the quarter, beating the consensus estimate of €0.6 by €0.018.
Is Civista Bancshares Inc overvalued?
According to Wall Street analysts Civista Bancshares Inc’s price is currently Undervalued.
Does Civista Bancshares Inc pay dividends?
Civista Bancshares Inc does not currently pay dividends.
What is Civista Bancshares Inc’s EPS estimate?
Civista Bancshares Inc’s EPS estimate is 0.62.
How many shares outstanding does Civista Bancshares Inc have?
Civista Bancshares Inc has 20,783,348 shares outstanding.
What happened to Civista Bancshares Inc’s price movement after its last earnings report?
Civista Bancshares Inc reported an EPS of €0.618 in its last earnings report, beating expectations of €0.6. Following the earnings report the stock price went down -2.442%.
Which hedge fund is a major shareholder of Civista Bancshares Inc?
Currently, no hedge funds are holding shares in DE:44Q
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Civista Bancshares Stock Smart Score
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
€28.25 (30.80% Upside)
€28.25 (30.80% Upside)
Blogger Sentiment
Bullish
DE:44Q Sentiment 67%
Sector Average 63%
Sector Average 63%
Insider Transactions
Bought Shares
Worth €9.5K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
31.04%
12-Months-Change
Fundamentals
Return on Equity
10.05%
Trailing 12-Months
Asset Growth
2.59%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
Civista Bancshares Inc
Serving as the financial holding company for Civista Bank, Civista Bancshares, Inc. delivers comprehensive community banking services. The company actively gathers various customer deposits and provides a broad spectrum of lending products, encompassing commercial, agricultural, residential and commercial real estate, farm real estate, and construction loans, as well as consumer credit and letters of credit. Beyond banking, it also acquires securities and offers trust services alongside third-party insurance. With approximately 42 branch locations, Civista Bancshares extends its reach across Northern, Central, Southwestern, and Northwestern Ohio, in addition to Southeastern Indiana and Northern Kentucky. Founded in 1884, the company is headquartered in Sandusky, Ohio, and officially changed its name from First Citizens Banc Corp to Civista Bancshares, Inc. in May 2015.
44Q Company Deck
44Q Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call emphasized multiple strong operating and capital metrics: sizable year-over-year net income growth (+30%), meaningful pre-provision net revenue expansion (+36% YoY), NIM expansion, substantial organic loan production and growing pipelines, improved efficiency, and steady capital generation and dividend policy. Headwinds include sequential net income and noninterest income volatility, deposit competitive pressures and migration to higher-rate accounts, unrealized securities losses, and elevated loan payoffs that partially offset originations. Management expects modest expense reinvestments, continued reduction of brokered funding, mid-single-digit loan growth for the remainder of 2026, and limited near-term M&A activity. Overall the positives (strong profitability, margin expansion, loan production, capital strength and liquidity) outweigh the negatives (sequential volatility, funding competition and mark-to-market securities losses), leading to a constructive outlook.View all DE:44Q earnings summaries44Q Stock 12 Month Forecast
Average Price Target
€28.25
▲(30.80% Upside)
Technical Analysis
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