Last 48 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 10.19 | 8.56 | 10.22 | 7.91 | 9.11 | 7.47 | 8.17 | 7.40 | 8.35 | 8.41 | 8.61 | 9.38 | 7.56 | 5.87 | 6.80 | 5.15 | 7.34 | 7.21 | 10.03 | 10.57 | 8.36 |
| — | +14.7% | +25.2% | +6.9% | +9.1% | -11.2% | -5.1% | -21.1% | +10.5% | +43.2% | +26.6% | +82.2% | +3.0% | -18.5% | -32.2% | -51.3% | -12.2% | -20.6% | +7.1% | +25.3% | +22.0% | |
| P/S Ratio | 3.81 | 2.78 | 6.87 | 3.12 | 2.42 | 1.96 | 2.20 | 1.88 | 2.04 | 1.79 | 1.56 | 1.62 | 1.83 | 1.50 | 1.66 | 1.49 | 2.05 | 2.24 | 2.63 | 2.98 | 3.09 |
| — | +42.2% | +212.7% | +65.8% | +18.6% | +9.2% | +41.1% | +16.4% | +11.7% | +19.1% | -6.1% | +8.7% | -10.9% | -32.7% | -37.1% | -50.1% | -33.6% | -22.8% | -1.2% | +6.4% | +35.6% | |
| P/B Ratio | 0.91 | 0.99 | 1.03 | 0.85 | 0.83 | 0.68 | 0.89 | 0.76 | 0.83 | 0.70 | 0.63 | 0.63 | 0.75 | 0.71 | 0.76 | 0.74 | 1.03 | 1.05 | 1.02 | 1.09 | 1.03 |
| — | +46.2% | +16.8% | +12.7% | -1.0% | -2.9% | +41.1% | +20.4% | +11.0% | -1.4% | -16.9% | -14.6% | -27.0% | -32.9% | -26.2% | -32.5% | -0.2% | +4.5% | +5.1% | +5.4% | +29.4% | |
| P/FCF | 8.90 | 4.80 | 8.77 | 10.05 | 11.94 | 4.58 | 8.24 | 21.83 | 4.37 | 5.36 | 4.81 | 92.52 | 83.17 | 2.84 | 3.44 | 3.45 | — | — | 2.15 | 9.97 | 14.70 |
| — | +4.9% | +6.5% | -54.0% | +173.2% | -14.5% | +71.3% | -76.4% | -94.7% | +88.6% | +39.8% | +2579.1% | — | — | +60.0% | -65.4% | — | — | -92.4% | +73.0% | +41.5% | |
| EV / EBITDA | 15.02 | 4.63 | — | 17.46 | 11.09 | 9.83 | 15.63 | 13.88 | 15.61 | 15.06 | 23.40 | 21.88 | 14.46 | 14.51 | 10.16 | 8.70 | 15.73 | 8.42 | 7.65 | 3.59 | 5.98 |
| — | -52.9% | — | +25.8% | -28.9% | -34.7% | -33.2% | -36.5% | +7.9% | +3.8% | +130.3% | +151.3% | -8.1% | +72.2% | +32.8% | +142.3% | +163.2% | +71.6% | +40.9% | +65.1% | -12.6% | |
| EV / EBIT | 14.39 | 4.63 | — | 17.46 | 11.09 | 9.83 | 16.04 | 14.27 | 15.61 | 15.06 | 24.46 | 23.06 | 14.95 | 14.98 | 10.50 | 8.93 | 16.17 | 8.71 | 7.83 | 3.67 | 6.08 |
| — | -52.9% | — | +22.4% | -28.9% | -34.7% | -34.4% | -38.1% | +4.4% | +0.6% | +132.8% | +158.3% | -7.5% | +72.0% | +34.1% | +143.3% | +165.9% | +74.1% | +41.2% | +65.8% | -12.8% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 98.0% | 97.4% | 99.8% | 100.0% | 98.7% | 99.5% | 97.5% | 96.1% | 98.2% | 97.3% | 95.6% | 94.5% | 93.9% | 98.1% | 97.2% | 98.1% | 98.2% | 99.2% | 98.6% | 99.0% | 100.0% |
| — | -2.2% | +2.4% | +4.1% | +0.5% | +2.3% | +2.0% | +1.7% | +4.6% | -0.7% | -1.6% | -3.7% | -4.4% | -1.1% | -1.5% | -0.9% | -1.8% | -0.8% | -1.4% | +1.6% | +7.9% | |
| Operating Margin | 32.0% | 40.4% | -40.2% | 22.7% | 31.8% | 36.3% | 31.7% | 29.8% | 28.7% | 25.9% | 21.5% | 20.0% | 29.4% | 31.4% | 29.4% | 35.8% | 34.7% | 37.4% | 31.1% | 33.3% | 43.7% |
| — | +11.2% | -227.0% | -23.9% | +11.0% | +40.2% | +47.5% | +49.2% | -2.4% | -17.5% | -26.9% | -44.1% | -15.3% | -16.2% | -5.5% | +7.4% | -20.6% | -2.4% | -5.6% | -16.9% | +11.8% | |
| Net Margin | 26.8% | 32.6% | 67.1% | 39.6% | 26.5% | 29.6% | 27.1% | 25.4% | 24.9% | 21.8% | 18.8% | 17.7% | 25.2% | 26.6% | 25.2% | 29.9% | 28.9% | 31.2% | 26.2% | 28.2% | 37.0% |
| — | +10.3% | +148.1% | +56.1% | +6.2% | +35.5% | +44.2% | +43.7% | -1.2% | -18.0% | -25.5% | -40.9% | -12.7% | -14.8% | -4.1% | +6.2% | -21.9% | -1.9% | -7.8% | -15.1% | +11.5% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.9% | 2.9% | 2.6% | 2.7% | 2.4% | 2.8% | 2.7% | 2.6% | 2.5% | 2.2% | 1.9% | 1.7% | 2.7% | 3.0% | 2.9% | 3.8% | 3.8% | 3.7% | 2.4% | 2.5% | 3.1% |
| — | +1.3% | -6.9% | +5.7% | -6.9% | +29.7% | +44.6% | +50.9% | -7.8% | -28.4% | -33.9% | -54.6% | -28.1% | -17.2% | +17.6% | +52.3% | +22.1% | +33.6% | -6.3% | -19.3% | +6.2% | |
| ROA | 1.1% | 0.4% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.3% | 0.3% | 0.3% | 0.4% | 0.4% | 0.4% | 0.2% | 0.3% | 0.4% |
| — | +21.2% | +26.0% | +40.8% | +19.8% | +48.3% | +47.7% | +50.1% | -4.6% | -26.7% | -35.8% | -54.0% | -28.0% | -20.1% | +12.6% | +30.6% | -4.1% | +7.8% | -19.2% | -26.0% | +1.1% | |
| ROIC | 5.0% | 1.9% | -0.8% | 0.8% | 1.3% | 1.3% | 1.1% | 1.0% | 1.0% | 0.8% | 0.7% | 0.6% | 1.0% | 1.2% | 1.3% | 1.4% | 1.5% | 2.0% | 1.3% | 1.4% | 1.9% |
| — | +43.5% | -177.6% | -22.8% | +26.8% | +57.1% | +61.5% | +63.1% | +6.0% | -31.6% | -50.6% | -53.4% | -33.8% | -38.6% | +1.7% | +0.1% | -20.7% | +9.5% | -16.2% | -24.5% | +10.3% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.52 | 0.42 | 0.40 | 0.38 | 0.52 | 0.69 | 1.35 | 1.19 | 1.16 | 1.01 | 1.64 | 1.31 | 1.22 | 1.66 | 0.77 | 1.00 | 1.92 | 0.62 | 0.70 | 0.62 | 0.57 |
| — | -39.3% | -70.1% | -67.8% | -54.9% | -32.3% | -18.0% | -9.1% | -4.9% | -38.9% | +111.9% | +30.2% | -36.5% | +166.0% | +10.8% | +62.2% | +234.2% | +69.7% | +90.5% | +17.7% | +9.8% | |
| Debt / EBITDA | 4.36 | 6.02 | — | 24.58 | 19.27 | 21.84 | 41.12 | 38.43 | 39.63 | 40.24 | 72.61 | 63.64 | 39.09 | 43.55 | 22.37 | 22.05 | 42.94 | 13.67 | 22.61 | 19.80 | 15.49 |
| — | -72.4% | — | -36.1% | -51.4% | -45.7% | -43.4% | -39.6% | +1.4% | -7.6% | +224.5% | +188.6% | -9.0% | +218.6% | -1.1% | +11.4% | +177.2% | +26.6% | +89.3% | +42.3% | +3.1% | |
| Current Ratio | 0.11 | 0.20 | 0.21 | 0.98 | 0.11 | 0.12 | 0.21 | 0.12 | 0.11 | 0.22 | 0.21 | 0.22 | 0.22 | 0.22 | 0.23 | 0.24 | 0.23 | 0.23 | 0.31 | 0.36 | 0.33 |
| — | +66.6% | +0.2% | +740.9% | +3.9% | -45.2% | +1.2% | -46.5% | -51.3% | +0.9% | -8.4% | -7.8% | -2.7% | -7.4% | -25.5% | -35.3% | -30.7% | -23.0% | +7.6% | +16.2% | +49.1% | |
| Quick Ratio | 0.11 | 0.20 | 0.21 | 0.98 | 0.11 | 0.12 | 0.21 | 0.12 | 0.11 | 0.22 | 0.21 | 0.22 | 0.22 | 0.22 | 0.23 | 0.24 | 0.23 | 0.23 | 0.31 | 0.36 | 0.33 |
| — | +66.6% | +0.2% | +740.9% | +3.9% | -45.2% | +1.2% | -46.5% | -51.3% | +0.9% | -8.4% | -7.8% | -2.7% | -7.4% | -25.5% | -35.3% | -30.7% | -23.0% | +7.6% | +16.2% | +49.1% | |
| Interest Coverage | 0.67 | 2.08 | -0.48 | 0.48 | 0.76 | 0.76 | 0.60 | 0.57 | 0.52 | 0.42 | 0.35 | 0.33 | 0.51 | 0.81 | 0.88 | 1.49 | 2.69 | 6.36 | 5.08 | 5.78 | 9.19 |
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Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying CIVB stock.
Civista Bancshares, Inc.'s current P/E is 10.2x. The average P/E over the last 4 quarters is 9.0x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Civista Bancshares, Inc.'s current operating margin is 32.0%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Civista Bancshares, Inc.'s business trajectory between earnings reports.