Company Analysis Civista Bancshares, Inc.
1. Summary
Advantages
- Price (14.92 $) is less than fair price (17.47 $)
- Dividends (4.04%) are higher than the sector average (1.74%).
- The stock's return over the last year (18.78%) is higher than the sector average (-33.68%).
- The company's current efficiency (ROE=11.55%) is higher than the sector average (ROE=5.61%)
Disadvantages
- Current debt level 11.8% has increased over 5 years from 10.42%.
Similar companies
2. Share price and performance
2.1. Share price
2.2. News
2.3. Market efficiency
| Civista Bancshares, Inc. | Financials | Index | |
|---|---|---|---|
| 7 days | 4.7% | -1.4% | 0.5% |
| 90 days | 2.7% | -41.3% | 12.6% |
| 1 year | 18.8% | -33.7% | 37.3% |
CIVB vs Sector: Civista Bancshares, Inc. has outperformed the "Financials" sector by 52.47% over the past year.
CIVB vs Market: Civista Bancshares, Inc. has significantly underperformed the market by -18.49% over the past year.
Stable price: CIVB is not significantly more volatile than the rest of the market on "NASDAQ" over the last 3 months, with typical variations of +/- 5% per week.
Long period: CIVB with weekly volatility of 0.3612% over the past year.
3. Summary of the report
4. Fundamental Analysis
4.1. Stock price and price forecast
Below fair price: The current price (14.92 $) is lower than the fair price (17.47 $).
Price not significantly lower than the fair price: The current price (14.92 $) is slightly lower than the fair price by 17.1%.
4.2. P/E
P/E vs Sector: The company's P/E (6.59) is lower than that of the sector as a whole (38.91).
P/E vs Market: The company's P/E (6.59) is lower than that of the market as a whole (48.31).
4.2.1 P/E Similar companies
4.3. P/BV
P/BV vs Sector: The company's P/BV (0.7614) is higher than that of the sector as a whole (0.6287).
P/BV vs Market: The company's P/BV (0.7614) is lower than that of the market as a whole (3.18).
4.3.1 P/BV Similar companies
4.4. P/S
P/S vs Sector: The company's P/S indicator (1.29) is lower than that of the sector as a whole (4.98).
P/S vs Market: The company's P/S indicator (1.29) is lower than that of the market as a whole (10.18).
4.4.1 P/S Similar companies
4.5. EV/Ebitda
EV/Ebitda vs Sector: The company's EV/Ebitda (-112906.27) is lower than that of the sector as a whole (40.88).
EV/Ebitda vs Market: The company's EV/Ebitda (-112906.27) is lower than that of the market as a whole (18.29).
5. Profitability
5.1. Profitability and revenue
5.2. Earnings per share - EPS
5.3. Past profitability Net Income
Yield Trend: Rising and has grown by 5.35% over the last 5 years.
Earnings Slowdown: The last year's return (0%) is below the 5-year average return (5.35%).
Profitability vs Sector: The return for the last year (0%) is lower than the return for the sector (4.17%).
5.4. ROE
ROE vs Sector: The company's ROE (11.55%) is higher than that of the sector as a whole (5.61%).
ROE vs Market: The company's ROE (11.55%) is higher than that of the market as a whole (10.9%).
5.5. ROA
ROA vs Sector: The company's ROA (1.11%) is lower than that of the sector as a whole (5.48%).
ROA vs Market: The company's ROA (1.11%) is lower than that of the market as a whole (6.48%).
5.6. ROIC
ROIC vs Sector: The company's ROIC (0%) is lower than that of the sector as a whole (5.05%).
ROIC vs Market: The company's ROIC (0%) is lower than that of the market as a whole (10.79%).
7. Dividends
7.1. Dividend yield vs Market
High yield: The dividend yield of the company 4.04% is higher than the average for the sector '1.74%.
7.2. Stability and increase in payments
Dividend stability: The company's dividend yield 4.04% has been steadily paid over the past 7 years, DSI=0.93.
Weak dividend growth: The company's dividend yield 4.04% has been growing weakly or stagnant over the past 5 years. Growth over only 0 years.
7.3. Payout percentage
Dividend Coverage: Current payments from income (22.34%) are at an uncomfortable level.
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