CIVB
Civista Bancshares·NASDAQ
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6.08 / 10
Outperform
Civista's fundamental score of 6.08/10 reflects solid profit momentum (Total profit YoY +60.7%) and healthy margins (Gross profit margin 36.7%). Key strengths include high Total profit/EBIT and Net assets per share growth, offsetting minor weaknesses in Net profit ratio and Cash-MV. The stock ranks favorably against peers, supporting an Outperform stance.
Analysis Checks(7/10)
Net assets per share (growth rate compared to beginning of year %)
Value3.01
Score1/3
Weight5.75%
1M Return3.39%
Value3.01
Score1/3
Weight5.75%
1M Return3.39%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight5.05%
1M Return3.05%
Value100.00
Score1/3
Weight5.05%
1M Return3.05%
Profit-MV
Value1.67
Score3/3
Weight13.32%
1M Return6.98%
Value1.67
Score3/3
Weight13.32%
1M Return6.98%
PB-ROE
Value1.41
Score3/3
Weight12.46%
1M Return6.02%
Value1.41
Score3/3
Weight12.46%
1M Return6.02%
Asset-MV
Value-0.50
Score3/3
Weight22.02%
1M Return10.42%
Value-0.50
Score3/3
Weight22.02%
1M Return10.42%
Revenue-MV
Value0.16
Score3/3
Weight13.28%
1M Return7.25%
Value0.16
Score3/3
Weight13.28%
1M Return7.25%
Gross profit margin (%)
Value36.70
Score3/3
Weight5.76%
1M Return3.43%
Value36.70
Score3/3
Weight5.76%
1M Return3.43%
Total profit (YoY growth rate %)
Value60.69
Score3/3
Weight8.16%
1M Return4.68%
Value60.69
Score3/3
Weight8.16%
1M Return4.68%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight5.76%
1M Return3.43%
Value100.00
Score3/3
Weight5.76%
1M Return3.43%
Cash-MV
Value0.14
Score1/3
Weight8.44%
1M Return4.21%
Value0.14
Score1/3
Weight8.44%
1M Return4.21%
Net assets per share (growth rate compared to beginning of year %)
Value3.01
Score1/3
Weight5.75%
1M Return3.39%
Value3.01
Score1/3
Weight5.75%
1M Return3.39%
Revenue-MV
Value0.16
Score3/3
Weight13.28%
1M Return7.25%
Value0.16
Score3/3
Weight13.28%
1M Return7.25%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight5.05%
1M Return3.05%
Value100.00
Score1/3
Weight5.05%
1M Return3.05%
Gross profit margin (%)
Value36.70
Score3/3
Weight5.76%
1M Return3.43%
Value36.70
Score3/3
Weight5.76%
1M Return3.43%
Profit-MV
Value1.67
Score3/3
Weight13.32%
1M Return6.98%
Value1.67
Score3/3
Weight13.32%
1M Return6.98%
Total profit (YoY growth rate %)
Value60.69
Score3/3
Weight8.16%
1M Return4.68%
Value60.69
Score3/3
Weight8.16%
1M Return4.68%
PB-ROE
Value1.41
Score3/3
Weight12.46%
1M Return6.02%
Value1.41
Score3/3
Weight12.46%
1M Return6.02%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight5.76%
1M Return3.43%
Value100.00
Score3/3
Weight5.76%
1M Return3.43%
Asset-MV
Value-0.50
Score3/3
Weight22.02%
1M Return10.42%
Value-0.50
Score3/3
Weight22.02%
1M Return10.42%
Cash-MV
Value0.14
Score1/3
Weight8.44%
1M Return4.21%
Value0.14
Score1/3
Weight8.44%
1M Return4.21%
Is CIVB undervalued or overvalued?
- CIVB scores 6.08/10 on fundamentals and holds a Discounted valuation at present. Backed by its 7.65% ROE, 26.31% net margin, 11.75 P/E ratio, 1.03 P/B ratio, and 33.00% earnings growth, these metrics solidify its Outperform investment rating.
