Civista Bancshares, Inc. (CIVB): Price and Financial Metrics

CIVB POWR Grades

• CIVB scores best on the Stability dimension, with a Stability rank ahead of 97.58% of US stocks.
• CIVB's strongest trending metric is Quality; it's been moving down over the last 179 days.
• CIVB's current lowest rank is in the Growth metric (where it is better than 18.66% of US stocks).

CIVB Stock Summary

• Equity multiplier, or assets relative to shareholders' equity, comes in at 9.14 for CIVISTA BANCSHARES INC; that's greater than it is for 89.57% of US stocks.
• With a year-over-year growth in debt of 51.7%, CIVISTA BANCSHARES INC's debt growth rate surpasses 81.27% of about US stocks.
• The volatility of CIVISTA BANCSHARES INC's share price is greater than that of just 11.25% US stocks with at least 200 days of trading history.
• Stocks with similar financial metrics, market capitalization, and price volatility to CIVISTA BANCSHARES INC are SPFI, GNTY, SBFG, BFC, and AROW.
• Visit CIVB's SEC page to see the company's official filings. To visit the company's web site, go to www.civb.com.

CIVB Valuation Summary

• CIVB's EV/EBIT ratio is 6.7; this is 32.32% lower than that of the median Financial Services stock.
• Over the past 243 months, CIVB's price/sales ratio has gone down 1.8.

Below are key valuation metrics over time for CIVB.

CIVB Growth Metrics

The 2 year net cashflow from operations growth rate now stands at -35.87%.
• Its 3 year net income to common stockholders growth rate is now at 139.1%.
• The 2 year net income to common stockholders growth rate now stands at 21.21%.

Over the past 33 months, CIVB's revenue has gone up $15,032,000.

The table below shows CIVB's growth in key financial areas (numbers in millions of US dollars).

Date	Revenue	Operating Cash Flow	Net Income to Common Stock
2022-06-30	120.771	68.393	36.791
2022-03-31	124.134	33.462	38.254
2021-12-31	126.047	40.761	40.546
2021-09-30	124.86	41.201	39.737
2021-06-30	120.543	40.613	37.777
2021-03-31	113.12	23.066	35.117

CIVB's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.

• CIVB has a Quality Grade of C, ranking ahead of 45.94% of graded US stocks.
• CIVB's asset turnover comes in at 0.042 -- ranking 148th of 428 Banking stocks.
• TCBK, COLB, and FITB are the stocks whose asset turnover ratios are most correlated with CIVB.

The table below shows CIVB's key quality metrics over time.