Civista Bancshares

CIVB · NASDAQ

$26.91+$0.22 (+0.82%)TodayMarket closed · Oct 20, 7:30 PM ET

Prev close $26.69

CIVB analyst rating

BuyConsensus of 3 analysts over the last 12 months. 67% rate it a buy.

Strong buy0
Buy2
Hold1
Underperform0
Sell0

12-month price target · 8 analysts

Average $31.03 (+15.3% upside)

Low: $26.26
Now: $26.91
High: $34.65

Upgrades and downgrades

The latest rating actions, newest first

CIVB analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
Piper Sandler	Jul 27, 2026	Maintains	Neutral	$30.00 → $31.00	64%
DA Davidson	Jul 27, 2026	Maintains	Buy	$31.00 → $33.00	50%
Keefe, Bruyette & Woods	Jul 24, 2026	Maintains	Outperform	$29.00 → $31.00	68%
Piper Sandler	Jun 25, 2026	Maintains	Neutral	$27.00 → $30.00	64%
Piper Sandler	Apr 24, 2026	Maintains	Neutral	$25.00 → $27.00	64%
Piper Sandler	Apr 2, 2026	Maintains	Neutral	$26.00 → $25.00	64%
DA Davidson	Jan 30, 2026	Maintains	Buy	$28.00	50%
Keefe, Bruyette & Woods	Jan 30, 2026	Maintains	Outperform	$27.00 → $28.00	68%
DA Davidson	Nov 21, 2025	Maintains	Buy	$26.00	50%
DA Davidson	Oct 27, 2025	Initiates	Buy	$26.00	50%

The case for and against

Updated May 12, 2026

Bull case

Civista Bancshares is a promising financial institution due to its strong focus on organic loan growth, which has accounted for 68% of total growth since 2015. Additionally, the company's presence in Ohio, a state with a growing economy, presents an opportunity for increased market share. The bank is actively managing its expenses and diversifying its income sources through recent acquisitions, providing a solid foundation for future profitability. The current price-to-earnings and price-to-tangible book value for CIVB are at a discount compared to its peers, indicating potential for strong returns for investors.

Bear case

Civista Bancshares is experiencing positive net interest margin (NIM) trends, exceeding projected earnings in the last quarter by 5.5%, with a further 11 basis points (bp) expansion to 3.69%. This is expected to continue in the next quarter with a 2-3bp increase and an additional 3-4bp until year end, aided by two expected rate cuts. However, its recent acquisition of Farmer's is said to have minimal accretion benefits, possibly leading to lower earnings in the future.

Information on this page is provided for informational purposes only and is not a recommendation to buy, sell or hold any security. Investing involves risk, including possible loss of principal. Market data is delayed at least 15 minutes and is provided without warranty. Analyst ratings, price targets and company data come from third-party sources. Past performance does not guarantee future results.