CIVB Company Profile and Key Details

Short-term trend indicators are bearishly aligned (SMA20 0.52%, SMA50 3.98%, SMA200 10.47%). The stock’s 14-day RSI is 56.58 (neutral), while the ATR of 0.74 points to higher daily volatility. The stock remains hovering near 52-week lows, trading -4.53% below its high and over 39.87% above its low. Average 10-day trading volume of 117.18 thousand shares is slightly above the 3-month average of 89.62 thousand, indicating heightened recent market interest.

Civista Bancshares, Inc. has 19.31 million shares outstanding. The public float is 18.72 million shares, elevated short interest at 0.46% of float. This equals 87.40 thousand shares. The short ratio is 0.83 days. Institutional investors hold 48.52% of the float. Insiders own 2.31%. Murray Margaret A holds 163.99 thousand shares, NICKLES ALLEN R has 99.76 thousand shares and WURM GERALD B has 38.58 thousand shares. Over the past six months, insider transactions show net buying. They sold 0.00 shares across 0 transactions.

Civista Bancshares, Inc. generated EPS of $2.66 over the past year. Five-year average earnings growth is 5.75%. The latest quarter delivered EPS of $0.77. The next quarter is forecast at $0.57. Next year's EPS is expected at -$18.09. Analyst sentiment is bullish. Analyst rating data shows there are 2 Strong Buy ratings, 4 Buy ratings, 2 Hold ratings, 0 Sell rating and 0 Strong Sell ratings. Price targets range from $28.00 to $24.00. The high target offers 17.8% upside. The low target suggests 0.97% downside. The mean target is $26.25. This offers 10.43% upside. Civista Bancshares, Inc. earnings surprise history is a consistent trend of beating forecasts. The quarter that ended October 23, 2025, missed forecasts by 26.39%. The prior quarter beat by -4.35%. Over the last six quarters, Apple has recorded several small beats. These include 12.5% in July 29, 2024.

Civista Bancshares, Inc. last paid a dividend of 0.69 per share, this equals a trailing yield of roughly 3.17%. Dividend and splits history remains an important factor for investors monitoring long-term returns. A discounted cash flow model estimates fair value at around $35.70. This means the shares are trading below this model’s fair value.

Civista Bancshares, Inc. (NASDAQ:CIVB) closed at $25.17 USD, gaining $1.40 (5.89%) from the previous close of $23.77. The stock is currently within 5% of its 52-week high $18.95 and $25.59. With a market capitalization of about $521.91 million, Civista Bancshares, Inc. is classified as a small-cap and shows lower-than-market volatility (beta ~0.63). Key stats such as the average daily volume over the past year has been around 93.08 thousand shares, volume is running light vs its 52-week average. Headquartered in Sandusky, OH, Civista Bancshares, Inc. operates in the Financial Services sector and the Banks - Regional industry. Led by CEO Dennis G. Shaffer, the company employs approximately 520 people and listed since April 06, 1994. Civista Bancshares, Inc. operates as the financial holding company for Civista Bank that provides community banking services.

Civista Bancshares, Inc. trades at a P/E ratio of 10.39, slightly below the S&P 500 average, with a price-to-sales ratio of 1.95 and a price-to-book ratio of 0.88 suggesting the stock is closer to book value. The P/FCF stands at 29.82, also below market averages.

Our AI price prediction model suggests that Civista Bancshares, Inc. stock has strong potential for upside but may face short-term weakness followed by gains in the medium and long term. 2-Week Outlook: Projected increase of 5.93%, with price expected at $25.18 by May 05, 2026, within a range of $24.70 to $25.65 3-Month Outlook: Projected rise of 13.34%, reaching $26.94 by July 20, 2026, with a range of $26.31 to $27.66. 1-Year Outlook: Projected gain of 14.39%, with price at $27.19 by April 21, 2027, within a range of $26.40 to $28.01.

Civista Bancshares, Inc. (NASDAQ:CIVB) shares are flat 0.99% year-to-date currently trading near 52-week highs band. Short-term momentum has been positive over the last quarter, despite recent volatility. Valuation shows Civista Bancshares, Inc. trading at a premium to the broader market with a P/E of 10.39. Analyst sentiment is mixed, with the majority of ratings in Neutral territory and a mean price target of $22.07, suggesting -7.15% downside. Our AI forecast model points to short-term strength (5.93% over two weeks), a medium-term rise (13.34% over three months), and a longer-term gain (14.39% over one year), with expected trading ranges indicating moderate volatility.