Civista Bancshares
Financial ratios & Valuation

Forward Multiples (2025 – 2025)

2025
Price/Earnings ratio
10.36
Price/Sales ratio
1.87
Earnings per Share (EPS)
$1.92

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
8.317.879.0413.7317.0711.088.759.238.356.5010.4011.08
Price/Sales ratio
1.421.622.343.072.863.492.423.002.401.741.383.49
Price/Book Value ratio
0.670.791.131.180.801.130.801.050.980.750.820.80
Price/Cash Flow ratio
5.326.658.7810.4612.099.508.759.1813.084.4512.5712.09
Price/Free Cash Flow ratio
5.507.6710.1911.0013.0510.349.329.6417.644.7120.5113.05
Price/Earnings Growth ratio
0.150.170.24-0.56-0.540.09-1.180.29-7.321.303.91-0.54
Dividend Yield
4.21%3.12%2.09%1.68%1.96%1.91%2.52%2.14%2.57%3.43%3.03%1.96%
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%98.73%100%100%100%100%100%94.55%100%
Operating Profit Margin
30.12%35.71%42.77%38.92%28.90%36.78%31.99%38.18%45.63%N/A26.67%36.78%
Pretax Profit Margin
22.76%28.41%35.90%31.38%19.91%36.78%31.99%38.18%34.32%31.58%15.20%36.78%
Net Profit Margin
17.09%20.66%25.93%22.40%16.78%31.50%27.74%32.55%28.77%26.81%13.04%31.50%
Effective Tax Rate
24.91%27.27%27.76%28.60%15.73%14.36%13.30%14.75%16.17%15.11%13.69%14.36%
Return on Assets
0.78%0.96%1.25%1.04%0.66%1.46%1.16%1.34%1.11%1.11%0.76%0.66%
Return On Equity
8.08%10.10%12.51%8.60%4.73%10.26%9.19%11.41%11.77%11.54%8.28%4.73%
Return on Capital Employed
1.39%2.90%10.81%9.36%5.34%6.43%2.31%2.86%1.98%N/A2.39%6.43%
Liquidity Ratios
Current Ratio
0.010.000.000.020.010.0138.42N/AN/AN/A0.550.01
Quick Ratio
79.551.901.001.000.980.270.560.811.912.720.550.27
Cash ratio
2.460.060.030.030.020.020.120.190.110.270.050.02
Days of Sales Outstanding
25.2223.0921.1823.1229.13N/AN/AN/A126.64N/AN/AN/A
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/A29.13N/AN/AN/AN/AN/AN/AN/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/A29.13N/AN/AN/AN/AN/AN/AN/A
Debt Ratios
Debt Ratio
0.070.070.050.060.100.110.050.050.060.020.090.11
Debt Equity Ratio
0.800.790.560.540.740.770.440.500.670.301.010.74
Long-term Debt to Capitalization
0.440.440.360.350.420.310.300.330.400.230.220.31
Total Debt to Capitalization
0.440.440.360.350.420.430.300.330.400.230.500.42
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/A3.17N/AN/AN/A0.87N/A
Cash Flow to Debt Ratio
0.150.140.220.200.080.150.200.220.110.540.060.15
Company Equity Multiplier
10.3010.4210.008.277.156.997.898.4710.5610.3810.297.15
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.260.240.260.290.230.360.270.320.180.390.100.36
Free Cash Flow / Operating Cash Flow Ratio
0.960.860.860.950.920.910.930.950.740.940.620.91
Cash Flow Coverage Ratio
0.150.140.220.200.080.150.200.220.110.540.060.15
Short Term Coverage Ratio
N/AN/AN/AN/AN/A0.38N/AN/AN/AN/A0.090.38
Dividend Payout Ratio
35.03%24.62%18.89%23.19%33.58%21.23%22.11%19.81%21.54%22.34%32.15%32.15%