Civista Bancshares Inc (OQ:CIVB)

Valuation Ratios

CIVB
Industry
Sector
Beta
0.95
--
--
Price to Sales - TTM
2.08
2.45
4.67
Price to Book - most recent quarter
0.69
0.87
1.14
Price to Cash Flow per share - TTM
8.62
10.18
10.03
Price to Free Cash Flow per share - TTM
5.43
13.84
15.84

Analysts

Latest
6 Months
1 Year
Consensus Recommendations
BUY
BUY
BUY
Number of Analysts
5.00
5.00
5.00

Dividends

CIVB
Industry
Sector
Dividend Yield - indicated annual
3.12
4.29
5.49
Payout Ratio - TTM
22.11
41.48
57.69

Growth Rate

CIVB
Industry
Sector
Revenue Change % - most recent quarter vs 1 yr ago
1.70
2.31
7.42
Revenue Change % - TTM over TTM
19.60
7.97
10.47
Growth Rate % - revenue 5 yr
16.36
10.56
10.59
EPS Change % - most recent quarter vs 1 yr ago
-17.10
-34.72
-63.03
EPS Change % - TTM over TTM
102.06
-14.91
-32.65
Growth Rate % - EPS 5 yr23.42
10.26
7.75
--
Growth Rate % - capital spending 5 yr
45.85
6.78
7.94

Financial Strength

CIVB
Industry
Sector
Quick Ratio - most recent quarter
--
--
1.23
Current Ratio - most recent quarter
--
--
1.75
LT Debt/Equity - most recent quarter
8.97
47.75
75.09
Total Debt/Total Equity - most recent quarter
15.88
72.46
95.08
Net Interest Coverage - TTM
--
3.01
-0.19

Profitability Ratios

CIVB
Industry
Sector
Gross Margin % - TTM
--
--
58.13
Gross Margin % - 5 yr avg.
--
--
61.22
Operation Margin % - TTM
34.11
10.45
-42.58
Operation Margin % - 5 yr avg
30.70
26.23
-21.11
Pretax Margin % - TTM
34.11
10.56
-78.57
Pretax Margin % - 5 yr avg.
30.70
25.86
-32.91
Net Profit Margin % - TTM
29.52
7.50
-80.42
Net Profit Margin % - 5 yr avg.
24.15
19.16
-34.76

Efficiency

CIVB
Industry
Sector
Revenue/Employee - TTM
--
162,728.60
913,955.21
Net Income/Employee - TTM
--
-78,080.37
-69,927.56
Receivables Turnover - TTM
--
--
14.89
Inventory Turnover - TTM
--
--
14.99
Asset Turnover - TTM
--
0.06
0.25

Management Effectiveness

CIVB
Industry
Sector
Return on Average Assets % - TTM
1.32
0.65
-22.72
Return on Average Assets % - 5 yr avg.
1.16
0.89
-7.75
Return on Investment - TTM
--
-0.37
-5.34
Return on Investment - 5 yr avg.
1.16
0.89
-7.75
Return on Average Equity % - TTM
10.01
4.34
-0.93
Return on Average Equity % - 5 yr avg.
9.94
7.82
4.33