CIVISTA BANCSHARES, INC. (CIVB)
State Commercial Banks · Financial Services · $468M
Intrinsic Value (Consensus)
$58.71
Current Price
$26.87
Margin of Safety
+118.5%
118.5% Below Intrinsic Value
Value: $59
Price: $27
Valuation Model Estimates
Current Price: $26.87
DCF (Discounted Cash Flow)
$113.36
Graham Number
$43.05
Earnings Power Value
$25.63
Relative Value (P/E)
$52.80
Dividend Discount Model
Not applicable
—
Consensus Value
$58.71
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
C
64
Profitability
15/25
Strength
17/25
Valuation
22/25
Growth
10/25
Financial Health Signals
Declining revenue — top line is shrinking
Strong earnings growth (20% YoY)
High free cash flow yield (9.0%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $2.64
- EPS (Forward)
- $3.17
- Book Value
- $31.20
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 8.5%
- Debt/Equity
- —
- Revenue Growth
- -0.5%
- Earnings Growth
- 20.0%
- Dividend Yield
- N/A
- Beta
- 1.00
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Data last updated: 2026-06-21
Source: Yahoo Finance