Civista Bancshares, Inc.
CIVB scores 52.9 on the Conservative profile, blending a fundamental score (80% weight, emphasizing quality and stability (84% of fundamental weight)) with a machine-learning signal (20% weight) trained on 82 features across 30 years of data.
Net penalties of -15.0 points significantly impact the ranking. Without these adjustments, CIVB would rank considerably higher.
These features are direct inputs to the machine learning model. The model was trained on these signals alongside 100 features (including 12 momentum/technical indicators) to produce the ML percentile score.
| Stock | Score | P/E | Rev Growth | Margin | Mkt Cap |
|---|---|---|---|---|---|
| CIVB | 52.9 | 10.7 | 5.4% | 18.3% | $468M |
| CME | 86.4 | 27.2 | 9.9% | 57.5% | $112.1B |
| FHB | 84.9 | 11.8 | 3.2% | 24.2% | $3.2B |
| ACT | 84.4 | 8.9 | 2.4% | 54.6% | $6.1B |
| CINF | 84.2 | 10.7 | 11.4% | 18.9% | $25.8B |
| SEIC | 82.2 | 14.0 | 10.7% | 27.3% | $10.1B |
| TROW | 79.9 | 10.1 | 3.1% | 28.5% | $21.1B |
| QQQX | 79.7 | 10.4 | 48.6% | 257.3% | $1.4B |
| IBOC | 78.2 | 10.6 | 7.5% | 40.1% | $4.4B |
| HWC | 77.8 | 12.2 | -1.5% | 24.1% | $5.8B |
| FFIN | 77.4 | 18.8 | 11.7% | 30.7% | $4.8B |
| TRMK | 77.1 | 11.9 | 34.8% | 19.3% | $2.7B |
| NMIH | 77.0 | 7.7 | 8.4% | 55.1% | $3.1B |
| EWBC | 76.7 | 12.7 | 4.6% | 28.3% | $16.0B |
| WSFS | 76.3 | 12.8 | -3.1% | 21.1% | $3.6B |
| MCHB | 76.1 | N/A | 123.7% | 23.2% | $3.3B |
| Sector Average | 47.5 | 26.8 | 13.4% | -2.8% | โ |
Civista Bancshares, Inc. operates as the financial holding company for Civista Bank that provides community banking services. It collects a range of customer deposits; and offers commercial and agriculture, commercial and residential real estate, farm real estate, real estate construction, consumer, and other loans, as well as letters of credit. The company also purchases securities; and provides trust and third-party insurance services. It operates approximately 42 locations in Northern, Central, Southwestern, and Northwestern Ohio, as well as Southeastern Indiana and Northern Kentucky. The company was formerly known as First Citizens Banc Corp and changed its name to Civista Bancshares, Inc. in May 2015. Civista Bancshares, Inc. was founded in 1884 and is headquartered in Sandusky, Ohio.
Stock is in an uptrend above the 200-day moving average. This is the stage where institutional accumulation typically occurs. The 50-day SMA provides support.
| Metric | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
|---|---|---|---|---|
| Revenue | $66M | $64M | $62M | $61M |
| Gross Profit | $46M | $43M | $40M | $38M |
| Operating Income | $15M | $16M | $13M | $12M |
| Net Income | $12M | $13M | $11M | $10M |
| EPS (Diluted) | $0.61 | $0.68 | $0.71 | $0.66 |
| Gross Margin | 69.7% | 67.2% | 63.8% | 63.1% |
| Operating Margin | 22.5% | 24.5% | 20.7% | 19.6% |
| Net Margin | 18.7% | 20.0% | 17.7% | 16.7% |
This stock has limited trading volume and/or float. Institutional investors may face difficulty entering or exiting positions without significant price impact. A post-hoc penalty has been applied to the composite score (this is not a backtested model factor โ it is a practical tradability overlay).
| Year | Low | High | Range | Status |
|---|---|---|---|---|
| 2021 | $19.23 | $25.94 | 29.7% | Moderate |
| 2022 | $20.10 | $25.87 | 25.1% | Moderate |
| 2023 | $14.02 | $22.67 | 47.2% | Wide |
| 2024 | $13.60 | $23.70 | 54.2% | Wide |
| 2025 | $17.47 | $25.59 | 37.7% | Wide |
Scores are generated by a multi-stage ML pipeline combining fundamental analysis, ensemble predictions, and structural risk signals. All data is for research purposes only and does not constitute financial advice. Past performance does not guarantee future results.