CIVB (Civista Bancshares) Cyclically Adjusted Revenue per Share: $9.30 (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 Cyclically Adjusted Revenue per Share?

Civista Bancshares CIVB +0.55% 58 Cyclically Adjusted Revenue per Share is $9.30 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.

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 Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

Civista Bancshares's adjusted revenue per share for the three months ended in Mar. 2026 was $2.247. Add all the adjusted revenue per share for the past 10 years together and divide the count will get our Cyclically Adjusted Revenue per Share, which is $9.30 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Civista Bancshares's average Cyclically Adjusted Revenue Growth Rate was 5.00% per year. During the past 3 years, the average Cyclically Adjusted Revenue Growth Rate was 6.00% per year. During the past 5 years, the average Cyclically Adjusted Revenue Growth Rate was 6.60% per year. During the past 10 years, the average Cyclically Adjusted Revenue Growth Rate was 3.20% 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 Revenue Growth Rate using Cyclically Adjusted Revenue per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Revenue Growth Rate of Civista Bancshares was 6.80% per year. The lowest was -2.20% per year. And the median was -0.10% per year.

As of today (2026-08-01), Civista Bancshares's current stock price is $29.06. Civista Bancshares's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was $9.30. Civista Bancshares's Cyclically Adjusted PS Ratio of today is 3.12.

During the past 13 years, the highest Cyclically Adjusted PS Ratio of Civista Bancshares was 3.73. The lowest was 1.66. And the median was 2.85.


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

If a company grows much fast than inflation, Cyclically Adjusted Revenue per Share may underestimate the company's revenue. Cyclically Adjusted PS Ratio can seem to be too high even the actual PS Ratio is low.

For the Cyclically Adjusted PS Ratio, the revenue per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/S calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PS Ratio is also called CAPS 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 PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Civista Bancshares's Cyclically Adjusted PS Ratio of today is calculated as

Cyclically Adjusted PS Ratio=Share Price/Cyclically Adjusted Revenue per Share
=29.06/9.30
=3.12

* 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 PS Ratio of Civista Bancshares was 3.73. The lowest was 1.66. And the median was 2.85.


Be Aware

Cyclically Adjusted PS Ratio works better for cyclical companies. It gives you a better idea on the company's real revenue value.


Civista Bancshares Cyclically Adjusted Revenue per Share Related Terms


Civista Bancshares Cyclically Adjusted Revenue per Share Historical Data

* Premium members only.

The historical data trend for Civista Bancshares's Cyclically Adjusted Revenue 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.

Civista Bancshares Cyclically Adjusted Revenue per Share Chart

Civista Bancshares Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Revenue per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 7.14 7.66 8.10 8.67 9.13

Civista Bancshares Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted Revenue 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 9.00 9.10 9.13 9.30 0.00

CIVB vs NPB, KRNY, CBNK: Cyclically Adjusted Revenue per Share Comparison

For the Banks - Regional subindustry, Civista Bancshares's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS 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 Cyclically Adjusted PS Ratio vs Banks Industry

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

* The bar in red indicates where Civista Bancshares's Cyclically Adjusted PS Ratio falls into.


CIVB
58GF Score
Civista Bancshares Inc CIVB
Cyclically Adjusted Revenue per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Civista Bancshares Cyclically Adjusted Revenue 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 Revenue per Share and the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue per Share of a company over the past 10 years.

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

Cyclically Adjusted Revenue per Share is the average of the inflation adjusted Revenue 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 Revenue per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the revenue per share from 2001 through 2010.

We adjusted the 2001 revenue per share data with the total inflation from 2001 through 2010 to the equivalent revenue in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's revenue is $1 a share in 2001, then the 2001's equivalent revenue in 2010 is $1.4 a share. If Wal-Mart's revenue is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 revenue in 2010 is $1.35. So on and so forth, you get the equivalent revenue per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Revenue 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 Revenue per Share data for the three months ended in Mar. 2026 was:

Adj_RevenuePerShare= Revenue per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=2.247/330.2130*330.2130
=2.247

Current CPI (Mar. 2026) = 330.2130.

Civista Bancshares Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201606 1.547 241.018 2.120
201609 1.459 241.428 1.996
201612 1.412 241.432 1.931
201703 1.531 243.801 2.074
201706 1.370 244.955 1.847
201709 1.343 246.819 1.797
201712 1.432 246.524 1.918
201803 1.601 249.554 2.118
201806 1.502 251.989 1.968
201809 1.419 252.439 1.856
201812 1.490 251.233 1.958
201903 1.634 254.202 2.123
201906 1.554 256.143 2.003
201909 1.503 256.759 1.933
201912 1.578 256.974 2.028
202003 1.728 258.115 2.211
202006 1.788 257.797 2.290
202009 1.767 260.280 2.242
202012 1.932 260.474 2.449
202103 2.050 264.877 2.556
202106 2.074 271.696 2.521
202109 2.005 274.310 2.414
202112 1.986 278.802 2.352
202203 2.024 287.504 2.325
202206 2.019 296.311 2.250
202209 2.321 296.808 2.582
202212 2.773 296.797 3.085
202303 2.739 301.836 2.997
202306 2.527 305.109 2.735
202309 2.576 307.789 2.764
202312 2.533 306.746 2.727
202403 2.379 312.332 2.515
202406 2.384 314.175 2.506
202409 2.437 315.301 2.552
202412 2.834 315.605 2.965
202503 2.597 319.799 2.682
202506 2.623 322.561 2.685
202509 2.297 324.800 2.335
202512 2.346 324.054 2.391
202603 2.247 330.213 2.247

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

What does a Cyclically Adjusted Revenue per Share of $9.30 mean?
Civista Bancshares (CIVB) has a Cyclically Adjusted Revenue per Share of $9.30 as of Mar. 2026. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Civista Bancshares and its competitors.
Is Civista Bancshares' Cyclically Adjusted Revenue per Share too high?
Civista Bancshares' current Cyclically Adjusted Revenue per Share is $9.30. 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' Cyclically Adjusted Revenue per Share compare to NPB and KRNY?
Civista Bancshares' Cyclically Adjusted Revenue per Share of $9.30 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 Cyclically Adjusted Revenue per Share for a Banks company?
A good Cyclically Adjusted Revenue per Share depends on the Banks industry context. However, Cyclically Adjusted Revenue per Share 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 Cyclically Adjusted Revenue per Share mean?
A high Cyclically Adjusted Revenue per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted revenue per share represents the company's inflation-adjusted revenue per share over a 10-year period. View historical data on Civista Bancshares and its competitors. Civista Bancshares's current Cyclically Adjusted Revenue per Share is $9.30. 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 Cyclically Adjusted Revenue per Share is $9.30. 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 Cyclically Adjusted Revenue per Share calculated?
Cyclically Adjusted Revenue per Share is calculated from a company's financial statements. For Civista Bancshares (CIVB), the current Cyclically Adjusted Revenue per Share is $9.30 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:

  • Cyclically Adjusted Revenue per Share: $9.30
  • 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

Get the complete analysis for CIVB

Cyclically Adjusted Revenue per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$29.06
Price
$18.02
GF Value