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Civista Bancshares, Inc (CIVB) Fair Value & Analysis

Financial Services · US · Market cap $558M

Price$28.00
Fair Value$28.91
Upside+3.3%
Quality95/100
Evidence: High Range $21.68 – $36.13

Fair value as of: Jun 25, 2026

Analysis

Civista Bancshares, Inc (CIVB) currently trades at $28.00, while our model-based Fair Value estimate is $28.91 — implying the stock looks roughly 3.3% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

Civista Bancshares, Inc. operates as the financial holding company for Civista Bank that provides 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; and automated teller services. It also provides internet banking; ACH origination; telephone banking; and mobile/digital banking services, as well as remote deposit capture banking services for retail and business customers. In addition, the company offers time deposits that consist of certificates of deposit, including those held in IRA accounts and reciprocal deposits. Further, 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. Additionally, the company holds and manages securities portf…

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Frequently asked questions

Is Civista Bancshares, Inc (CIVB) undervalued?
As of Jun 25, 2026, our model estimates a fair value of $28.91 versus a price of $28.00 — about +3% (undervalued). Model-based estimate, not financial advice.
What is the fair value of CIVB?
Our 21-model fair value for Civista Bancshares, Inc is $28.91 (as of Jun 25, 2026), built from audited fundamentals. The current price is $28.00.
What is the quality score of CIVB?
Civista Bancshares, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.