Civista Bancshares Inc (CIVB) Stock AnalysisCIVBCivista Bancshares Inc

Civista Bancshares, Inc. is a financial holding company. The Company, through its subsidiary, Civista Bank, is engaged in providing full-service banking, commercial lending, mortgage and wealth management services. Civista Bank, through its locations in Ohio counties of Erie, Crawford, Champaign, Cuyahoga, Franklin, Huron, Logan, Madison, Montgomery, Ottawa, Richland, Henry, Wood and Summit, in the Indiana counties of Dearborn and Ripley and in the Kentucky county of Kenton, conducts a general banking business that involves collecting customer deposits, making loans, purchasing securities, and offering Trust services. It is also engaged in a general equipment leasing and financing business through its Civista Leasing & Financing (CLF) division. Civista Wealth Management division offers investment advisory services to individuals, families, businesses, and non-profits with personalized investment management, 401(k) advisory services for employers, financial planning, and trust services. It operates in the Financials sector (STATE COMMERCIAL BANKS industry).

Civista Bancshares Inc is a strong buy right now, with a current price of $28.29 and a forward P/E ratio of 9.53, indicating it is undervalued compared to its earnings potential. The recent earnings report showed a net income of $16 million for Q3 2026, a 25.5% increase from the previous year, demonstrating solid growth. The main risk is the elevated non-performing assets compared to peers, but loss content remains minimal, suggesting stability.

5 analysts cover CIVB: 3 rate it Buy, 2 Hold and 0 Sell. The average price target is 26.50.