Based on the key indicators related to Civista Bancshares' liquidity, profitability, solvency, and operating efficiency, Civista Bancshares may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At present, Civista Bancshares' Total Assets are projected to increase significantly based on the last few years of reporting. The current year's Short and Long Term Debt Total is expected to grow to about 548.4 M, whereas Cash is forecasted to decline to about 50.2 M. Key indicators impacting Civista Bancshares' financial strength include:
Investors should never underestimate Civista Bancshares' ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Civista Bancshares' cash flow, debt, and profitability to make informed and accurate decisions about investing in Civista Bancshares.
Net Income
51.88 Million
Civista
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Understanding current and past Civista Bancshares Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Civista Bancshares' financial statements are interrelated, with each one affecting the others. For example, an increase in Civista Bancshares' assets may result in an increase in income on the income statement.
Please note, the presentation of Civista Bancshares' financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Civista Bancshares' management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Civista Bancshares' management manipulating its earnings.
Civista Bancshares Stock Summary
Civista Bancshares competes with Home Federal, First Financial, First Northwest, First Capital, and Finward Bancorp. Civista Bancshares, Inc. operates as the financial holding company for Civista Bank that provides community banking services. Civista Bancshares, Inc. was founded in 1884 and is headquartered in Sandusky, Ohio. Civista Bncshrs operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 441 people.
Comparative valuation techniques use various fundamental indicators to help in determining Civista Bancshares's current stock value. Our valuation model uses many indicators to compare Civista Bancshares value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Civista Bancshares competition to find correlations between indicators driving Civista Bancshares's intrinsic value. More Info.
Civista Bancshares is rated below average in return on equity category among its peers. It also is rated below average in return on asset category among its peers reporting about 0.10 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Civista Bancshares is roughly 10.41 . At present, Civista Bancshares' Return On Equity is projected to increase slightly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Civista Bancshares' earnings, one of the primary drivers of an investment's value.
Civista Bancshares Systematic Risk
Civista Bancshares' systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Civista Bancshares volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty-one with a total number of output elements of fourty. The Beta measures systematic risk based on how returns on Civista Bancshares correlated with the market. If Beta is less than 0 Civista Bancshares generally moves in the opposite direction as compared to the market. If Civista Bancshares Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Civista Bancshares is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Civista Bancshares is generally in the same direction as the market. If Beta > 1 Civista Bancshares moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Civista Bancshares Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Civista Bancshares' growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Civista Bancshares growth as a starting point in their analysis.
Price Earnings To Growth Ratio
1.23
At present, Civista Bancshares' Price Earnings To Growth Ratio is projected to increase slightly based on the last few years of reporting.
Civista Bancshares February 17, 2025 Opportunity Range
Along with financial statement analysis, the daily predictive indicators of Civista Bancshares help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Civista Bancshares. We use our internally-developed statistical techniques to arrive at the intrinsic value of Civista Bancshares based on widely used predictive technical indicators. In general, we focus on analyzing Civista Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Civista Bancshares's daily price indicators and compare them against related drivers.
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.