Civista Bancshares (CIVB)
Runs community banking across Ohio, Indiana and Kentucky, plus nationwide equipment leasing.
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Provides community banking through deposits, loans, trust services and securities investing, anchored in Ohio with branches or offices extending into Indiana and Kentucky. A Pittsburgh-based leasing division adds nationwide equipment finance, while reporting remains centered on a single banking segment.
Operates a community-bank franchise rooted in an 1884 Sandusky, Ohio bank. Core activities are deposits, residential mortgage, commercial and installment lending, securities investing, and trust services across Ohio, southeastern Indiana and northern Kentucky.
Adds a national equipment leasing and finance line through Civista Leasing & Finance, a Pittsburgh-based platform acquired with Vision Financial Group. Recent bank acquisitions expanded the footprint into Northwest Ohio, Northeast Ohio, Indiana and Kentucky, with Farmers Savings Bank integration completed during the latest opened quarter.
Reports primarily as one banking segment, so product economics are tied to the spread between deposits, loans, securities and fee businesses rather than standalone brand lines. The business depends on local deposit relationships, credit demand and bank regulation across its market communities.
Company facts
Target rangeAs of Sep 22, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Jul 27, 2026 | DA Davidson | Reiterate | Rating: —Target: $26 | Target: $33 |
| Jul 27, 2026 | Piper Sandler | Reiterate | Rating: —Target: $30 | Target: $31 |
| Jun 25, 2026 | Piper Sandler | Reiterate | Rating: —Target: $27 | Target: $30 |
| Apr 24, 2026 | Piper Sandler | Reiterate | Rating: —Target: — | Target: $27 |
| Oct 30, 2024 | Hovde Group | Upgrade |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $765.1M · Total debt $228.4M · Total assets $4.29B · Shareholders' equity $566.8M
- Revenue
- $39.3M
- Operating income
- −$8.6M
- Net income
- $14.3M
HistoryDividendAnnual yield
| Institutions | ≈ 65.53% | 13.63M shares | |
|---|---|---|---|
| 151 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | |||
| Insiders | 2.14% | 444.1K shares | |
| 24 holders · as of Aug 7, 2026 | |||
| Other | ≈ 32.33% | 6.72M shares | |
| remainder | |||
20.79M company shares as of Sep 23, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 8.19% | 1.70M | as of Jun 30, 2026 |
Wellington Management Group LLPInstitution | 6.05% | 1.26M | as of Jun 30, 2026 |
Dimensional Fund Advisors LPInstitution | 4.93% | 1.03M | as of Jun 30, 2026 |
AllianceBernstein L.P.Institution | 4.32% | 899,109 | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 4.26% | 885,162 | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Nov 18, 2025 | Nathan E. Weaks | other: Subsidiary Director | +1,000 | $21.49 |
- First Financial Bancorp
Overlaps across Ohio/Indiana/Kentucky banking and commercial finance
- Huntington Bancshares
Large Ohio regional rival in deposits, lending, payments, and wealth
- Fifth Third
Superregional competitor across Ohio, Kentucky, Indiana, and wealth
- WesBanco
Community-bank overlap after Premier deal expanded Ohio/Indiana/Kentucky
- Peoples Bancorp
Ohio/Kentucky bank peer with nationwide equipment leasing and insurance
- Farmers National Banc
Northeast Ohio community-bank peer with trust and wealth overlap
- Park National
Ohio and northern Kentucky community-bank competitor with trust services
- LCNB
Southwest Ohio and northern Kentucky community-bank competitor
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Civista Bancshares | $26.80 | −0.86% | $561.8M | 10.0 | 9.6 | 2.5 | +15.0% |
| First Financial Bancorp | $31.40 | +0.21% | $3.29B | 11.1 | 9.8 | 2.5 | +16.7% |
| Huntington Bancshares | $15.58 | −0.70% | $31.70B | 11.7 | 9.4 | 2.2 | +47.4% |
| Fifth Third | $52.35 | −0.79% | $47.82B | 18.0 | 12.1 | 3.2 | +45.2% |
| WesBanco | $38.35 | −0.37% | $3.69B | 10.9 | 10.5 | 2.4 | +6.3% |
| Peoples Bancorp | $38.73 | −0.28% | $1.40B | 11.7 | 10.4 | 2.3 | +9.4% |
| Farmers National Banc | $15.29 | −0.23% | $681.2M | 10.6 | 9.0 | 2.4 | +49.8% |
| Park National | $181.09 | −0.32% | $3.29B | 16.2 | 13.6 | 5.4 | +24.7% |
| LCNB | $18.47 | −2.51% | $270.0M | 11.0 | 10.0 | 2.2 | +10.3% |
| Median | 11.4 | 10.2 | 2.4 | +20.7% |