Civista Bancshares, Inc. (CIVB)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$28.81+1.19%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · CIVB
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -9.6% |
| Our one-year growth estimate | diamond | -8.3% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 1.3 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
CIVB — dividend update
Dated 2026-10-21
Other Events. Civista Bancshares, Inc. (NASDAQ: CIVB) Board of Directors has approved and declared a quarterly dividend of 18 cents per common share, consistent with the prior quarter, to shareholders of records of November 3, 2026, payable on November 17, 2026. A copy of the press release is attached hereto as Exhibit 99.1. Civista Bancshares, Inc., is a $4.3 billion financial holding company headquartered in Sandusky, Ohio. Its primary subsidiary, Civista Bank, was founded in 1884 and provi…
Why it matters: Non-performing assets fell to $27.6 million, and loan losses stayed low. A rise could point to weaker credit quality.
Worry ifAssets not being paid on time rise above $27.6 million, or net charge-offs exceed $0.1 million in a quarter.
Less concerning ifNon-performing assets stay at or below $27.6 million. Quarterly net charge-offs also stay at or below $0.1 million.
Why it matters: The board kept the quarterly dividend at $0.18. A cut could signal pressure on earnings or capital; an increase would show room to return more cash.
Watch forThe board raises the quarterly dividend above $0.18 per share.
Also watch forThe board cuts the quarterly dividend below $0.18 per share.
Why it matters: The margin rose as deposit costs fell and Civista cut brokered deposits. A steady margin would show those gains are lasting.
Supportive ifQ4 net interest margin is at least 3.93%, and deposit costs stay at or below 182 basis points.
Worry ifQ4 net interest margin falls below 3.93% or deposit costs rise above 182 basis points.
Why it matters: Civista reported $38.0 million of loan growth in Q3. More growth would support its plan to build customer ties and core deposits.
Supportive ifLoans rise by more than $38.0 million from the prior quarter, while deposits do not fall from $3.48 billion.
Worry ifLoans are flat or fall from $3.29 billion, or deposits fall below $3.48 billion.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$62 on $10,000 · ±0.6% | How much price usually moves either way. |
| Bad day | $209 loss on $10,000 · 2.1% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,149 loss on $10,000 · 11.5% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.