CIVB (Civista Bancshares) Construction Loans (USD Mil): 254.25 (As of Mar. 2026)

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CIVB Civista Bancshares Inc CIVB
58 GF Score
Price $29.06
GF Value $18.02
Valuation Significantly Overvalued
! 8 Warning Signs
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What is Civista Bancshares Construction Loans (USD Mil)?

Civista Bancshares CIVB +0.55% 58 Construction Loans (USD Mil) is 254.25 as of Mar. 2026. GuruFocus rates CIVB with a GF Score™ of 58/100 and a GF Value™ of $18.02 (Significantly Overvalued). The stock has 8 warning signs investors should review.

Construction Loans (USD Mil) is a short-term loan that covers only the costs of custom home building. Once the home is built, the prospective occupant must apply for a mortgage to pay for the completed home.

Civista Bancshares's Construction Loans (USD Mil) for the quarter that ended in Mar. 2026 was 254.25 , which is lower than 285.14 for the pervious quarter ended in Dec. 2025.

Civista Bancshares's Construction Loans (USD Mil) for the annual that ended in Dec. 2025 was 285.14 , which is lower than 305.99 for the pervious year ended in Dec. 2024.

The historical rank and industry rank for Civista Bancshares's Construction Loans (USD Mil) or its related term are showing as below:


Civista Bancshares Construction Loans (USD Mil) Historical Data

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The historical data trend for Civista Bancshares's Construction Loans (USD Mil) 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.

Civista Bancshares Construction Loans (USD Mil) Chart

Civista Bancshares Annual Data
Trend Dec21 Dec22 Dec23 Dec24 Dec25
Construction Loans (USD Mil)
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Average Interest Earning Assets (USD Mil)
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Commercial Business Loans (USD Mil)
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Mortgage Backed Securities (USD Mil)
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Residential Mortgage Loans (USD Mil)
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Commercial Mortgage Loans (USD Mil)
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Civista BancsharesQuarterly Data
Trend Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Construction Loans (USD Mil)
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Average Interest Earning Assets (USD Mil)
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Commercial Business Loans (USD Mil)
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Mortgage Backed Securities (USD Mil)
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Residential Mortgage Loans (USD Mil)
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Commercial Mortgage Loans (USD Mil)
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CIVB vs NPB, KRNY, CBNK: Construction Loans (USD Mil) Comparison

For the Banks - Regional subindustry, Civista Bancshares's Construction Loans (USD Mil), along with its competitors' market caps and Construction Loans (USD Mil) 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.

CIVB
58GF Score
Civista Bancshares Inc CIVB
Construction Loans (USD Mil) is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions
What does a Construction Loans (USD Mil) of 254.25 mean?
Civista Bancshares (CIVB) has a Construction Loans (USD Mil) of 254.25 as of Mar. 2026. Construction Loans is a short-term loan that covers only the costs of custom home building. View historical data on Civista Bancshares and its competitors.
Is Civista Bancshares' Construction Loans (USD Mil) too high?
Civista Bancshares' current Construction Loans (USD Mil) is 254.25. Overall, Civista Bancshares has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Civista Bancshares' Construction Loans (USD Mil) compare to NPB and KRNY?
Civista Bancshares' Construction Loans (USD Mil) of 254.25 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Construction Loans (USD Mil) for a Banks company?
A good Construction Loans (USD Mil) depends on the Banks industry context. However, Construction Loans (USD Mil) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Construction Loans (USD Mil) mean?
A high Construction Loans (USD Mil) can signal that a stock is expensive relative to its fundamentals. Construction Loans is a short-term loan that covers only the costs of custom home building. View historical data on Civista Bancshares and its competitors. Civista Bancshares's current Construction Loans (USD Mil) is 254.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Civista Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Civista Bancshares (CIVB) is currently considered Significantly Overvalued. The stock's GF Value™ is $18.02, compared to a current price of $29.06 — trading 61.3% above its estimated fair value. The current Construction Loans (USD Mil) is 254.25. Civista Bancshares' overall GF Score™ is 58/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Construction Loans (USD Mil) calculated?
Construction Loans (USD Mil) is calculated from a company's financial statements. For Civista Bancshares (CIVB), the current Construction Loans (USD Mil) is 254.25 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Civista Bancshares (CIVB) Overvalued in 2026?

Based on GuruFocus' analysis, Civista Bancshares stock appears to be overvalued. The current stock price of $29.06 is trading 61.3% above its estimated GF Value™ of $18.02. GuruFocus considers Civista Bancshares to be Significantly Overvalued.

Key valuation signals for CIVB:

  • Construction Loans (USD Mil): 254.25
  • GF Value™: $18.02 vs. price of $29.06 (61.3% above fair value)
  • GF Score™: 58/100 with 8 warning signs

No single metric tells the full story. See the CIVB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Civista Bancshares Business Description

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 agricultural, commercial real estate-owner occupied, commercial real estate non-owner occupied, residential real estate, real estate construction, and consumer loans. The majority of its revenues are derived from the interest and fees gained on loans.
58GF Score

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Construction Loans (USD Mil) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$29.06
Price
$18.02
GF Value