CIVB

CIVB's fundamental assessment is neutral (3.3/10). Strengths include Asset-MV (-0.5066, Q3) and Gross Profit Margin (36.70%, Q1), but significant weaknesses are seen in Net Profit to Net Profit ratio (100%, Q2) and Cash-MV (0.4176, Q1). ROE (7.65%, Q3) and its diluted variant (6.80%, Q3) are modest. Historical back-tests indicate low to moderate one-month returns (3.07%–6.95%) with varying confidence, underscoring limited upside and elevated risk. The PB-ROE factor is negative (-0.9677), placing it in Q1 and signaling value erosion relative to peers. These metrics collectively justify a constrained view, as profitability and cash position constraints outweigh asset and margin advantages.