Civista Bancshares, Inc. (CIVB) P/E Ratio History
Historical price-to-earnings valuation from 1998 to 2025
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CIVB Valuation Context
How does the current P/E compare to historical and market benchmarks?
P/E Ratio Analysis
As of May 8, 2026, Civista Bancshares, Inc. (CIVB) trades at a price-to-earnings ratio of 9.5x, with a stock price of $24.99 and trailing twelve-month earnings per share of $2.29.
The current P/E is 16% above its 5-year average of 8.2x. Over the past five years, CIVB's P/E has ranged from a low of 5.4x to a high of 10.4x, placing the current valuation at the 85th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.2x, CIVB trades at a 28% discount to its sector peers. The sector includes 775 companies with P/E ratios ranging from 0.0x to 197.4x.
The PEG ratio of 1.66 (P/E divided by 31% EPS growth) suggests a fair valuation relative to its earnings growth. Peter Lynch popularized the rule that a PEG below 1.0 indicates an attractive entry point.
Relative to the broader market, CIVB trades at a notable discount to the S&P 500 median P/E of 24.9x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our CIVB DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
CIVB P/E vs Peers
P/E ratio compared to closely matched public peers
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $213M | 13.7 | 1.50 | +42% | |
| $253M | 14.3 | 9.55 | +96%Best | |
| $335M | 12.7 | - | +35% | |
| $3B | 11.5 | 1.06 | +11% | |
| $522M | 18.3 | 1.23 | +78% | |
| $206M | 14.7 | 2.89 | +9% | |
| $327M | 21.7 | - | -37% | |
| $23B | 11.8 | 0.41Best | -12% | |
| $2B | 13.7 | 1.95 | +13% | |
| $4B | 10.3Lowest | 0.74 | +32% |
Peers sorted by market capitalization. P/E below peers may indicate undervaluation or lower growth expectations. Consider PEG ratio for growth-adjusted comparison.
CIVB Historical P/E Data (1998–2025)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Date | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2025 Q4 | Wed Dec 31 2025 00:00:00 GM | $22.22 | $2.66 | 8.4x | -52% |
| FY2025 Q3 | $20.31 | $2.68 | 7.6x | -56% | |
| FY2025 Q2 | Mon Jun 30 2025 00:00:00 GM | $23.20 | $2.53 | 9.2x | -47% |
| FY2025 Q1 | Mon Mar 31 2025 00:00:00 GM | $19.54 | $2.27 | 8.6x | -50% |
| FY2024 Q4 | $21.04 | $2.02 | 10.4x | -40% | |
| FY2024 Q3 | Mon Sep 30 2024 00:00:00 GM | $17.82 | $2.00 | 8.9x | -48% |
| FY2024 Q2 | Sun Jun 30 2024 00:00:00 GM | $15.49 | $2.13 | 7.3x | -58% |
| FY2024 Q1 | Sun Mar 31 2024 00:00:00 GM | $15.38 | $2.32 | 6.6x | -62% |
| FY2023 Q4 | Sun Dec 31 2023 00:00:00 GM | $18.44 | $2.73 | 6.8x | -61% |
| FY2023 Q3 | Sat Sep 30 2023 00:00:00 GM | $15.50 | $2.87 | 5.4x | -69% |
| FY2023 Q2 | Fri Jun 30 2023 00:00:00 GM | $17.40 | $2.93 | 5.9x | -66% |
| FY2023 Q1 | Fri Mar 31 2023 00:00:00 GM | $16.88 | $2.82 | 6.0x | -65% |
Average P/E for displayed period: 17.3x
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Start ComparisonCIVB — Frequently Asked Questions
Quick answers to the most common questions about buying CIVB stock.
Is CIVB stock overvalued or undervalued?
CIVB trades at 9.5x P/E, near its 5-year average of 8.2x. The 85th percentile ranking places valuation within normal historical bounds.
How does CIVB's valuation compare to peers?
Civista Bancshares, Inc. P/E of 9.5x compares to sector median of 13.2x. The discount suggests lower growth expectations or higher risk.
What is CIVB's PEG ratio?
CIVB PEG ratio is 1.66. Between 1-2 suggests valuation aligns with growth. Historical P/E data spans 1998-2025.