CIVB trades 12.8% below Wall Street's consensus target of $32.00.
Last 12 months price action with 12-month analyst target path
The base valuation assumes CIVB achieves its forward estimates and maintains a stable P/E multiple of 9.7x. This scenario reflects the blended consensus of 8 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.
As of November 8, 2026, Civista Bancshares, Inc. (CIVB) has a Wall Street consensus price target of $32.00, based on estimates from 8 covering analysts. With the stock currently trading at $28.36, this represents a potential upside of +12.8%. The company has a market capitalization of $589M.
Analyst price targets range from a low of $31.00 to a high of $33.00, representing a 6% spread in expectations. The median target of $32.00 aligns closely with the consensus average. The tight target dispersion indicates high conviction among analysts.
The current analyst consensus rating is Buy, with 5 analysts rating the stock as a Buy or Strong Buy,3 rating it Hold, and 0 rating it Sell or Strong Sell. The positive sentiment balance indicates moderate optimism about the stock prospects.
From a valuation perspective, CIVB trades at a trailing P/E of 10.2x and forward P/E of 9.7x. The forward PEG ratio of 1.70 indicates reasonable valuation for growth. Analysts expect EPS to grow +5.2% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $35.24, with bear and bull scenarios of $22.20 and $46.43 respectively. Model confidence stands at 49/100, suggesting limited visibility into future performance.
| Company | Market Cap | Price | Target | Upside Potential | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 OVBCOhio Valley Banc Corp. | $229M | $48.61 | — | — | Buy | — | 1 |
 FXNCFirst National Corporation | $275M | $30.42 | $21.00 | -31.0% | Buy | 11.6x | 1 |
 MVBFMVB Financial Corp. | $333M | $25.91 | $30.00 | +15.8% | Buy | 19.8x | 8 |
 FFBCFirst Financial Bancorp. | $3.4B | $32.57 | $37.00 | +13.6% | Hold | 10.7x | 19 |
 CZWICitizens Community Bancorp, Inc. | $225M | $23.38 | $24.00 | +2.7% | Buy | 15.0x | 3 |
 CHMGChemung Financial Corporation | $408M | $84.75 | $93.00 | +9.7% | Hold | 10.1x | 7 |
 FCNCAFirst Citizens BancShares, Inc. | $25.9B | $2273.74 | $2448.00 | +7.7% | Hold | 11.0x | 11 |
 NBTBNBT Bancorp Inc. | $2.7B | $52.83 | $57.67 | +9.2% | Hold | 12.6x | 10 |
 FULTFulton Financial Corporation | $4.5B | $23.76 | $26.00 | +9.4% | Hold | 10.8x | 20 |
 CTBICommunity Trust Bancorp, Inc. | $1.3B | $69.11 | $81.50 | +17.9% | Hold | 11.2x | 6 |
Quick answers to the most common questions about buying CIVB stock.
Civista Bancshares, Inc. (CIVB) has a consensus 12-month price target of $32, implying 12.8% upside from $28.36. The 8 analysts covering CIVB see moderate appreciation potential.
CIVB has a consensus rating of "Buy" based on 8 Wall Street analysts. The rating breakdown is predominantly bullish, with 5 Buy/Strong Buy ratings. The consensus 12-month price target of $32 implies 12.8% upside from current levels.
With a forward P/E of 9.6901x, CIVB trades at a relatively low valuation. The consensus target of $32 implies 12.8% appreciation, suggesting meaningful undervaluation.
The most bullish Wall Street analyst has a price target of $33 for CIVB, while the most conservative target is $31. The consensus of $32 represents the median expectation. Our quantitative valuation model projects a bull case target of $46 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
CIVB is moderately covered, with 8 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 5 have Buy ratings, 3 recommend Hold, and 0 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.
The 12-month CIVB stock forecast based on 8 Wall Street analysts shows a consensus price target of $32, with estimates ranging from $31 (bear case) to $33 (bull case). The median consensus rating is "Buy". Our proprietary valuation model produces a base case fair value of $35, with bear/bull scenarios of $22/$46.
Our quantitative valuation model calculates CIVB's fair value at $35 (base case), with a bear case of $22 and bull case of $46. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 49/100.
CIVB trades at a forward P/E ratio of 9.7x based on next-twelve-months earnings estimates compared to a trailing P/E of 10.2x. The lower forward P/E indicates analysts expect earnings growth. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
Wall Street analysts are optimistic on CIVB, with a "Buy" consensus rating and $32 price target (12.8% upside). 5 of 8 analysts rate it Buy or Strong Buy. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.
CIVB analyst price targets range from $31 to $33, a 6% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $32 consensus represents the middle ground. Our model's $22-$46 range provides an independent fundamental perspective.
Live VCP patterns, Cup & Handle overlays, support/resistance, and AI trade plans.
High-probability breakout stocks crossing their pivot across 5 pattern engines.
DCF models, multiple analysis, and analyst estimates.
10-year return with dividends reinvested.
Compare growth, multiples, and margins vs sector.