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Civista Bancshares (Civista Bancshares) PB Ratio : 0.63 (As of Apr. 25, 2024)


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What is Civista Bancshares PB Ratio?

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2024-04-25), Civista Bancshares's share price is $14.96. Civista Bancshares's Book Value per Share for the quarter that ended in Dec. 2023 was $23.70. Hence, Civista Bancshares's PB Ratio of today is 0.63.

Good Sign:

Civista Bancshares Inc stock PB Ratio (=0.65) is close to 10-year low of 0.59

The historical rank and industry rank for Civista Bancshares's PB Ratio or its related term are showing as below:

CIVB' s PB Ratio Range Over the Past 10 Years
Min: 0.59   Med: 0.96   Max: 1.63
Current: 0.63

During the past 13 years, Civista Bancshares's highest PB Ratio was 1.63. The lowest was 0.59. And the median was 0.96.

CIVB's PB Ratio is ranked better than
71.62% of 1459 companies
in the Banks industry
Industry Median: 0.85 vs CIVB: 0.63

During the past 12 months, Civista Bancshares's average Book Value Per Share Growth Rate was 11.30% per year. During the past 3 years, the average Book Value Per Share Growth Rate was 2.50% per year. During the past 5 years, the average Book Value Per Share Growth Rate was 4.40% per year. During the past 10 years, the average Book Value Per Share Growth Rate was 8.70% per year.

During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Civista Bancshares was 12.30% per year. The lowest was -16.40% per year. And the median was 2.50% per year.

Back to Basics: PB Ratio


Civista Bancshares PB Ratio Historical Data

The historical data trend for Civista Bancshares's PB Ratio can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Civista Bancshares PB Ratio Chart

Civista Bancshares Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.21 0.80 1.03 1.03 0.78

Civista Bancshares Quarterly Data
Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23
PB Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.03 0.77 0.78 0.73 0.78

Competitive Comparison of Civista Bancshares's PB Ratio

For the Banks - Regional subindustry, Civista Bancshares's PB Ratio, along with its competitors' market caps and PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Civista Bancshares's PB Ratio Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Civista Bancshares's PB Ratio distribution charts can be found below:

* The bar in red indicates where Civista Bancshares's PB Ratio falls into.



Civista Bancshares PB Ratio Calculation

The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.

Civista Bancshares's PB Ratio for today is calculated as follows:

PB Ratio=Share Price/Book Value per Share (Q: Dec. 2023)
=14.96/23.701
=0.63

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

It can also be calculated from the numbers for the whole company:

A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.


Civista Bancshares  (NAS:CIVB) PB Ratio Explanation

Unlike valuation ratios relative to the earning power such as PE Ratio, PE Ratio without NRI, PS Ratio, Price-to-Operating-Cash-Flow , or Price-to-Free-Cash-Flow, the PB Ratio measures the valuation of the stock relative to the underlying asset of the company.

The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.


Be Aware

Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.


Civista Bancshares PB Ratio Related Terms

Thank you for viewing the detailed overview of Civista Bancshares's PB Ratio provided by GuruFocus.com. Please click on the following links to see related term pages.


Civista Bancshares (Civista Bancshares) Business Description

Traded in Other Exchanges
N/A
Address
100 East Water Street, P.O. Box 5016, Sandusky, OH, USA, 44870
Civista Bancshares Inc is a financial holding company. Operating through its subsidiary, it engages in the business of community banking. Its business activity involves collecting customer deposits, making loans, purchasing securities, and offering trust services to its clients. The company's loan portfolio includes commercial and agriculture, commercial real estate-owner occupied, commercial real estate non-owner occupied, residential real estate, real estate construction, and consumer loans. Majority of its revenues are derived from the interest and fees gained on loans.
Executives
Gerald B Wurm other: Affiliate Director 100 EAST WATER STREET, SANDUSKY OH 44870
Darci L Congrove director 756 JAEGER STREET, COLUMBUS OH 43206
Mark J. Macioce director 10585 WYNDTREE DRIVE, CONCORD TOWNSHIP OH 44077
Nathan E Weaks other: Subsidiary Director 1514 COUNTY ROAD 4-1, SWANTON OH 43558
Julie A Mattlin director 6368 COOK ROAD, GUILFORD IN 47022
Allen R Nickles director 100 EAST WATER STREET, SANDUSKY OH 44870
Lorina W Wise director 9224 JACKIES BEND, REYNOLDSBURG OH 43068
William F Ritzmann director 19813 LAKEVIEW DRIVE, LAWRENCEBURG IN 47025
Perfect Clyde A Jr other: Subsidiary Director 20760 MOUNT PLEASANT ROAD, LAWRENCEBURG IN 47025
Edwards Russell L Jr officer: Senior Vice President 3630 LUDGATE ROAD, SHAKER HEIGHTS OH 44120
Kessler Carl A Iii officer: Senior Vice President 4529 SECRETARIAT COURT, AVON OH 44011
Curry Robert L Jr officer: Senior Vice President 720 JASMINE AVENUE, MARBLEHEAD OH 43440-1844
Harry Singer other: Subsidiary Director 5309 GOLFWAY LANE, LYNDHURST OH 44124
Barry W Boerger director 12175 URBANNA WOODSTOCK PK, MILFORD CENTER OH 43045
Murray Dennis E Jr director 2035 CEDAR POINT ROAD, SANDUSKY OH 44870