Civista Bancshares Valuation
| CIVB Stock | USD 22.54 0.18 0.81% |
At this time, the firm appears to be overvalued. Civista Bancshares shows a prevailing Real Value of $21.18 per share. The current price of the firm is $22.54. Our model approximates the value of Civista Bancshares from analyzing the firm fundamentals such as Return On Equity of 0.0865, current valuation of 677.62 M, and Profit Margin of 0.21 % as well as examining its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Civista Bancshares' valuation include:
Price Book 0.8993 | Enterprise Value 677.6 M | Price Sales 2.4201 | Forward PE 11.274 | Trailing PE 11.27 |
Overvalued
Today
Please note that Civista Bancshares' price fluctuation is very steady at this time. Calculation of the real value of Civista Bancshares is based on 3 months time horizon. Increasing Civista Bancshares' time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since Civista Bancshares is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Civista Stock. However, Civista Bancshares' intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 22.54 | Real 21.18 | Target 19.6 | Hype 22.54 | Naive 20.94 |
The real value of Civista Stock, also known as its intrinsic value, is the underlying worth of Civista Bancshares Company, which is reflected in its stock price. It is based on Civista Bancshares' financial performance, growth prospects, management team, or industry conditions. The intrinsic value of Civista Bancshares' stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, or news.
Estimating the potential upside or downside of Civista Bancshares helps investors to forecast how Civista stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Civista Bancshares more accurately as focusing exclusively on Civista Bancshares' fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Civista Bancshares' intrinsic value based on its ongoing forecasts of Civista Bancshares' financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Civista Bancshares' closest peers. If more than one evaluation category is relevant for Civista Bancshares we suggest using both methods to arrive at a better estimate.
Civista Bancshares Cash |
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Civista Valuation Trend
Comparing Civista Bancshares' enterprise value against its market capitalization is a good way to estimate the value of Civista Bancshares uage its performance over time. This information may sometimes be enough for investors to make reasonable market timing decisions.
Civista Revenue by Product
Civista Bancshares Total Value Analysis
Civista Bancshares is currently anticipated to have valuation of 677.62 M with market capitalization of 354.7 M, debt of 454.19 M, and cash on hands of 245.39 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Civista Bancshares fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
677.62 M | 354.7 M | 454.19 M | 245.39 M |
Civista Bancshares Investor Information
About 54.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 0.9. Some equities with similar Price to Book (P/B) outperform the market in the long run. Civista Bancshares has Price/Earnings To Growth (PEG) ratio of 1.93. The entity last dividend was issued on the 5th of November 2024. The firm had 4:1 split on the 5th of June 1996. Based on the key indicators related to Civista Bancshares' liquidity, profitability, solvency, and operating efficiency, Civista Bancshares is not in a good financial situation at this time. It has a very high probability of going through financial hardship in December.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Operating Profit Margin | 0.89 | 0.52 |
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| Total Cash From Operating Activities | 63.9 M | 60.8 M |
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Civista Bancshares Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The current return on assets of Civista suggests not a very effective usage of assets in November.Civista Bancshares Ownership Allocation
Civista Bancshares holds a total of 15.74 Million outstanding shares. Over half of Civista Bancshares' outstanding shares are owned by other corporate entities. These other corporate entities are typically referred to as corporate investors that acquire positions in a given instrument to benefit from reduced trade commissions. Please note that no matter how many assets the company secures, if the real value of the firm is less than the current market value, you may not be able to make money on it.Civista Bancshares Profitability Analysis
The company reported the previous year's revenue of 160.24 M. Net Income was 41.38 M with profit before overhead, payroll, taxes, and interest of 137.53 M.Civista Bancshares Past Distributions to stockholders
| 19th of November 2024 | ||
| 20th of August 2024 | ||
| 22nd of May 2024 | ||
| 1st of March 2024 | ||
| 21st of November 2023 | ||
| 22nd of August 2023 | ||
| 24th of May 2023 | ||
| 1st of March 2023 | ||
| 22nd of November 2022 |
Please note that valuation analysis is one of the essential comprehensive assessments in business. It evaluates Civista Bancshares' worth, which you can determine by considering its current assets, liabilities and future cash flows. The investors' valuation analysis is an important metric that will give you a perspective on different companies. It helps you know the worth of the potential investment in Civista Bancshares and how it compares across the competition.
About Civista Bancshares Valuation
The stock valuation mechanism determines Civista Bancshares' current worth on a weekly basis. Our valuation model uses a comparative analysis of Civista Bancshares. We calculate exposure to Civista Bancshares's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Civista Bancshares's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 160.2 M | 168.3 M | |
| Pretax Profit Margin | 0.32 | 0.35 | |
| Operating Profit Margin | 0.52 | 0.89 | |
| Net Profit Margin | 0.27 | 0.25 | |
| Gross Profit Margin | 0.89 | 0.79 |
A single share of Civista Bancshares represents a small ownership stake in the entity. As a stockholder of Civista, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Civista Bancshares Dividends Analysis For Valuation
At present, Civista Bancshares' Dividend Yield is projected to slightly decrease based on the last few years of reporting. The current year's Dividend Paid And Capex Coverage Ratio is expected to grow to 4.90, whereas Dividends Paid is forecasted to decline to about 5.4 M. . At present, Civista Bancshares' Retained Earnings are projected to increase significantly based on the last few years of reporting. The current year's Retained Earnings Total Equity is expected to grow to about 189 M, whereas Earning Assets are forecasted to decline to about 348 M.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | 9.6 M | 5.4 M | |
| Dividend Yield | 0.03 | 0.05 | |
| Dividend Payout Ratio | 0.22 | 0.21 | |
| Dividend Paid And Capex Coverage Ratio | 4.67 | 4.90 |
There are various types of dividends Civista Bancshares can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Civista shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Civista Bancshares directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Civista pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Civista Bancshares by the value of the dividends paid out.
Civista Bancshares Growth Indicators
Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
| Common Stock Shares Outstanding | 15.2 M | |
| Quarterly Earnings Growth Y O Y | -0.197 | |
| Forward Price Earnings | 11.274 |
Civista Bancshares Current Valuation Indicators
Valuation refers to the process of determining the present value of Civista Bancshares and all of its assets. It can be calculated using a number of techniques. As many analysts who try to value Civista we look at many different elements of the entity such as Civista's management, its prospective future earnings, the current market value of the company's assets, as well as its capital structure formation.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Civista Bancshares, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Civista Bancshares' valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Civista Bancshares' worth.Complementary Tools for Civista Stock analysis
When running Civista Bancshares' price analysis, check to measure Civista Bancshares' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Civista Bancshares is operating at the current time. Most of Civista Bancshares' value examination focuses on studying past and present price action to predict the probability of Civista Bancshares' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Civista Bancshares' price. Additionally, you may evaluate how the addition of Civista Bancshares to your portfolios can decrease your overall portfolio volatility.
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