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CIVB (Civista Bancshares) Cyclically Adjusted FCF per Share : $2.26 (As of Mar. 2025)


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What is Civista Bancshares Cyclically Adjusted FCF per Share?

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Civista Bancshares's adjusted free cash flow per share for the three months ended in Mar. 2025 was $0.224. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $2.26 for the trailing ten years ended in Mar. 2025.

During the past 12 months, Civista Bancshares's average Cyclically Adjusted FCF Growth Rate was 5.60% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 7.30% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 4.20% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was 2.20% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Civista Bancshares was 7.90% per year. The lowest was -1.10% per year. And the median was 2.15% per year.

As of today (2025-05-16), Civista Bancshares's current stock price is $23.665. Civista Bancshares's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2025 was $2.26. Civista Bancshares's Cyclically Adjusted Price-to-FCF of today is 10.47.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Civista Bancshares was 13.37. The lowest was 5.20. And the median was 10.14.


Civista Bancshares Cyclically Adjusted FCF per Share Historical Data

The historical data trend for Civista Bancshares's Cyclically Adjusted FCF per Share 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 Cyclically Adjusted FCF per Share Chart

Civista Bancshares Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.85 1.92 1.91 2.17 2.37

Civista Bancshares Quarterly Data
Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25
Cyclically Adjusted FCF per Share 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 2.14 2.20 2.26 2.37 2.26

Competitive Comparison of Civista Bancshares's Cyclically Adjusted FCF per Share

For the Banks - Regional subindustry, Civista Bancshares's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Cyclically Adjusted Price-to-FCF Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Civista Bancshares's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Civista Bancshares's Cyclically Adjusted Price-to-FCF falls into.


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Civista Bancshares Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Civista Bancshares's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2025 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2025 (Change)*Current CPI (Mar. 2025)
=0.224/134.9266*134.9266
=0.224

Current CPI (Mar. 2025) = 134.9266.

Civista Bancshares Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201506 -0.011 100.684 -0.015
201509 0.077 100.392 0.103
201512 -0.034 99.792 -0.046
201603 1.603 100.470 2.153
201606 -0.914 101.688 -1.213
201609 0.230 101.861 0.305
201612 0.479 101.863 0.634
201703 0.740 102.862 0.971
201706 -0.072 103.349 -0.094
201709 0.268 104.136 0.347
201712 0.693 104.011 0.899
201803 0.517 105.290 0.663
201806 -0.117 106.317 -0.148
201809 1.050 106.507 1.330
201812 -0.048 105.998 -0.061
201903 0.751 107.251 0.945
201906 0.415 108.070 0.518
201909 0.064 108.329 0.080
201912 0.885 108.420 1.101
202003 1.539 108.902 1.907
202006 -0.952 108.767 -1.181
202009 0.833 109.815 1.023
202012 0.452 109.897 0.555
202103 0.995 111.754 1.201
202106 0.195 114.631 0.230
202109 0.916 115.734 1.068
202112 0.417 117.630 0.478
202203 0.604 121.301 0.672
202206 2.474 125.017 2.670
202209 -1.354 125.227 -1.459
202212 -0.365 125.222 -0.393
202303 1.179 127.348 1.249
202306 1.218 128.729 1.277
202309 1.364 129.860 1.417
202312 0.056 129.419 0.058
202403 0.042 131.776 0.043
202406 0.761 132.554 0.775
202409 0.838 133.029 0.850
202412 1.470 133.157 1.490
202503 0.224 134.927 0.224

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.


Civista Bancshares  (NAS:CIVB) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Civista Bancshares's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=23.665/2.26
=10.47

* 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.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Civista Bancshares was 13.37. The lowest was 5.20. And the median was 10.14.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Civista Bancshares Cyclically Adjusted FCF per Share Related Terms

Thank you for viewing the detailed overview of Civista Bancshares's Cyclically Adjusted FCF per Share provided by GuruFocus.com. Please click on the following links to see related term pages.


Civista Bancshares Business Description

Industry
Traded in Other Exchanges
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
Darci L Congrove director 756 JAEGER STREET, COLUMBUS OH 43206
Julie A Mattlin director 6368 COOK ROAD, GUILFORD IN 47022
Perfect Clyde A Jr other: Subsidiary Director 20760 MOUNT PLEASANT ROAD, LAWRENCEBURG IN 47025
Charles A. Parcher officer: Senior Vice President 25571 WILLOWBEND ROAD, PERRYSBURG OH 43551
Gerald B Wurm other: Affiliate Director 100 EAST WATER STREET, SANDUSKY OH 44870
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
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
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