SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
Civista Bancshares, Inc. (CIVB) trades at a trailing P/E of 10.3, forward P/E of 9.2. Trailing earnings yield is 9.66%, forward earnings yield 10.92%. PEG 0.37 (Peter Lynch undervalued ≤1.0). Graham Number is $37.24.
Criteria proven by this page:
- VALUE (76/100, Pass) — P/E is below market average (10.3); PEG ≤ 1.0 — Peter Lynch undervalued (0.37); earnings yield beats bond yields (9.66%).
- Forward P/E 9.2 (down from trailing 10.3) — analysts expect earnings to grow, which would improve the valuation.
- PEG Ratio 0.37 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
- Trailing Earnings Yield 9.66% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income. Forward yield improves to 10.92% as earnings recover.
- Analyst consensus target $24.00 (+0.3% upside) — modest upside expected.
Overall SharesGrow Score: 67/100 with 4/7 criteria passed.
SharesGrow 7-Criteria Score
✓
VALUE
76/100
Price-to-Earnings & upside
Proven by this page
~
HEALTH
50/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — CIVB
Valuation Multiples
P/E (TTM)10.3
Forward P/E9.2
PEG Ratio0.37
Forward PEG0.97
P/B Ratio0.88
P/S Ratio1.94
EV/EBITDA12.5
Per Share Data
EPS (TTM)$2.29
Forward EPS (Est.)$2.61
Book Value / Share$26.92
Revenue / Share$12.51
FCF / Share$0.82
Yields & Fair Value
Earnings Yield9.66%
Forward Earnings Yield10.92%
Dividend Yield2.91%
Graham Number$37.24
SharesGrow IV$60.94 (+154.6%)
Analyst Target$24.00 (+0.3%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2016 |
9.0 |
0.24 |
1.13 |
2.25 |
2.09% |
| 2017 |
13.7 |
-0.56 |
1.18 |
2.94 |
1.69% |
| 2018 |
17.1 |
-0.55 |
0.81 |
2.66 |
1.97% |
| 2019 |
11.1 |
0.10 |
1.14 |
3.17 |
1.91% |
| 2020 |
8.8 |
-1.18 |
0.81 |
2.23 |
2.53% |
| 2021 |
9.2 |
0.29 |
1.05 |
2.79 |
2.15% |
| 2022 |
8.4 |
-7.33 |
0.98 |
2.15 |
2.58% |
| 2023 |
6.5 |
1.30 |
0.75 |
1.29 |
3.43% |
| 2024 |
10.2 |
-0.39 |
0.83 |
1.34 |
3.10% |
| 2025 |
8.4 |
0.27 |
0.72 |
1.53 |
3.04% |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2016 |
$1.57 |
$69.09M |
$17.22M |
24.9% |
| 2017 |
$1.28 |
$74.08M |
$15.87M |
21.4% |
| 2018 |
$1.02 |
$90.74M |
$14.14M |
15.6% |
| 2019 |
$2.01 |
$118.61M |
$33.88M |
28.6% |
| 2020 |
$2.00 |
$126.18M |
$32.19M |
25.5% |
| 2021 |
$2.63 |
$134.19M |
$40.55M |
30.2% |
| 2022 |
$2.60 |
$152.98M |
$39.43M |
25.8% |
| 2023 |
$2.73 |
$217.48M |
$42.96M |
19.8% |
| 2024 |
$2.06 |
$241.9M |
$31.68M |
13.1% |
| 2025 |
$2.64 |
$254.95M |
$46.21M |
18.1% |
Analyst Estimates
| Year |
EPS (Avg) |
EPS Range |
Revenue (Avg) |
Revenue Range |
Analysts |
| 2026 |
$2.61 |
$2.58 – $2.64 |
$190.7M |
$189.27M – $192.56M |
4 |
| 2027 |
$2.86 |
$2.77 – $2.94 |
$203.28M |
$201.75M – $205.26M |
4 |
