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Upturn AI SWOT - About
CIVB 
Civista Bancshares Inc (CIVB)
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Upturn Advisory Summary
03/27/2025: CIVB (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Analysis of Past Performance
Type Stock | Historic Profit 33.53% | Avg. Invested days 41 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 302.47M USD | Price to earnings Ratio 9.72 | 1Y Target Price 24.75 |
Price to earnings Ratio 9.72 | 1Y Target Price 24.75 | ||
Volume (30-day avg) 33860 | Beta 0.78 | 52 Weeks Range 13.25 - 23.50 | Updated Date 04/1/2025 |
52 Weeks Range 13.25 - 23.50 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 3.47% | Basic EPS (TTM) 2.01 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 21.25% | Operating Margin (TTM) 31.4% |
Management Effectiveness
Return on Assets (TTM) 0.8% | Return on Equity (TTM) 8.33% |
Valuation
Trailing PE 9.72 | Forward PE 9.53 | Enterprise Value 696140160 | Price to Sales(TTM) 2.03 |
Enterprise Value 696140160 | Price to Sales(TTM) 2.03 | ||
Enterprise Value to Revenue 4.96 | Enterprise Value to EBITDA - | Shares Outstanding 15479500 | Shares Floating 14921604 |
Shares Outstanding 15479500 | Shares Floating 14921604 | ||
Percent Insiders 2.72 | Percent Institutions 56.63 |
Analyst Ratings
Rating 4.17 | Target Price 23.83 | Buy 1 | Strong Buy 3 |
Buy 1 | Strong Buy 3 | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Civista Bancshares Inc
Company Overview
History and Background
Civista Bancshares Inc. was founded in 1884 as The Farmers & Citizens Banking Company in Sandusky, Ohio. Over time, it expanded through organic growth and acquisitions, eventually becoming Civista Bancshares Inc. in 2014 to reflect its broader regional presence and diversified financial services.
Core Business Areas
- Community Banking: Offers a range of traditional banking products and services to individuals and small businesses, including deposit accounts, loans, and wealth management.
- Commercial Banking: Provides financial solutions for larger businesses, including commercial lending, treasury management, and specialized financial services.
Leadership and Structure
Dennis G. Shaffer serves as the President and CEO. The organizational structure comprises various departments, including lending, operations, finance, and compliance, all overseen by the executive leadership team and the Board of Directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans constitute a significant portion of Civista's lending portfolio. These loans cater to various business needs, including working capital, equipment financing, and real estate development. Market share data for specific product categories is difficult to determine with precision, but Civista competes with regional and national banks. Competitors include Huntington Bancshares, Fifth Third Bancorp, and KeyCorp.
- Residential Mortgages: Offers residential mortgage loans to individuals for home purchases and refinancing. The residential mortgage market is highly competitive, with numerous national and local lenders. Competitors include Rocket Mortgage, Wells Fargo, and local credit unions. Market share data is dispersed within the regional footprint.
- Deposit Accounts: Provides checking, savings, and money market accounts. Competitors include Chase, PNC, and other community banks. Market share is difficult to pinpoint precisely.
Market Dynamics
Industry Overview
The banking industry is currently navigating a complex environment with fluctuating interest rates, regulatory changes, and increasing competition from fintech companies. Consolidation is a continuing trend.
Positioning
Civista Bancshares Inc. is a regional community bank focused on providing personalized service and building strong customer relationships. Its competitive advantage lies in its local market knowledge and customer-centric approach.
Total Addressable Market (TAM)
The total addressable market for community banking in Civista's geographic footprint is estimated at billions of dollars. Civista is positioned to capture a portion of this market by focusing on customer service and local expertise.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Solid customer relationships
- Diversified loan portfolio
- Good asset quality
Weaknesses
- Limited geographic reach compared to larger banks
- Susceptibility to interest rate risk
- Reliance on traditional banking model
- IT infrastructure improvements need attention
Opportunities
- Expanding into new markets through acquisitions or organic growth
- Leveraging technology to enhance customer experience
- Increasing fee income through wealth management services
- Capitalizing on the demand for community banking
Threats
- Increased competition from larger banks and fintech companies
- Regulatory changes
- Economic downturn
- Cybersecurity risks
- Rising interest rates
Competitors and Market Share
Key Competitors
- Huntington Bancshares (HBAN)
- Fifth Third Bancorp (FITB)
- KeyCorp (KEY)
Competitive Landscape
Civista competes with larger regional and national banks. Its advantages include local market knowledge and customer service, while its disadvantages include limited geographic reach and resources.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Civista Bancshares Inc. has grown through organic expansion and acquisitions. However, specific historical growth rates demand specific data.
Future Projections: Future projections depend on economic conditions, strategic initiatives, and analyst estimates. Specific projections require access to recent analyst reports.
Recent Initiatives: Recent initiatives include expanding into new markets, enhancing digital banking services, and increasing commercial lending activities.
Summary
Civista Bancshares is a community bank with a solid regional presence and customer focus. While it faces competition from larger banks and fintech firms, its strengths in local market knowledge and customer relationships position it well for continued growth. The company needs to focus on technology upgrades and expanding its fee income streams. Monitoring the impact of interest rate fluctuations and regulatory changes is also crucial.
Similar Companies
- HBAN
- FITB
- KEY
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Analyst Reports (Requires subscription)
Disclaimers:
This analysis is based on publicly available information and general industry knowledge. It is not financial advice. Market share data is estimated and may not be precise. Actual results may vary.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Civista Bancshares Inc
Exchange NASDAQ | Headquaters Sandusky, OH, United States | ||
IPO Launch date 2001-01-02 | President, CEO & Vice Chairman Mr. Dennis G. Shaffer | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 527 | Website https://www.civb.com |
Full time employees 527 | Website https://www.civb.com | ||
Civista Bancshares, Inc. operates as the financial holding company for Civista Bank that provides community banking services in the United States. The company offers personal and commercial checking accounts; retirement, money market, time, and savings accounts; safe deposit boxes; wire transfers; automated teller services; internet banking; ACH origination; telephone banking; and mobile/digital banking services, as well as remote deposit capture banking services for retail and business customers. It also provides time deposits that consist of certificates of deposit, including those held in IRA accounts and reciprocal deposits. Its loan portfolio includes commercial and agriculture; commercial real estate " owner and non-owner occupied; residential and farm real estate; real estate construction; lease financing receivable; consumer; and other loans, as well as home equity line of credit. In addition, the company holds and manages securities portfolio; leases general equipment; and provides captive insurance products. It operates in North Central, West Central, South Western Ohio, South Eastern 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.
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