Civista BancsharesCIVB -1.81%60 PB Ratio is 1.07 as of Jul. 04, 2026, which is 7% above its 10-year median of 1.00. GuruFocus rates CIVB with a GF Score™ of 60/100 and a GF Value™ of $18.05 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,517 Banks companies, Civista Bancshares ranks better than 52.8% on this metric.
Civista Bancshares Inc stock PB Ratio (=1.07) is close to 3-year high of 1.08.
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: 1 Max: 1.63
Current: 1.07
During the past 13 years, Civista Bancshares's highest PB Ratio was 1.63. The lowest was 0.59. And the median was 1.00.
CIVB's PB Ratio is ranked better than 52.8% of 1517
companies
in the Banks industry
Industry Median: 1.1
vs CIVB: 1.07
During the past 12 months, Civista Bancshares's average Book Value Per Share Growth Rate was 3.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 7.20% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 3.30% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 6.90% 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 (NAS:CIVB) PB Ratio Explanation
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
Civista Bancshares PB Ratio Historical Data
* Premium members only.
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.
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 PB Ratio vs 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.
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.
* 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 (CIVB) has a PB Ratio of 1.07 as of Jul. 04, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Civista Bancshares and its competitors. This is near median its historical median of 1.00. Over the past decade, Civista Bancshares' PB Ratio has ranged from 0.59 to 1.63. According to the industry distribution chart, Civista Bancshares ranks #716 out of 1517 companies in the Banks industry, placing it in the top 47.2%.
Is Civista Bancshares' PB Ratio too high?
Civista Bancshares' current PB Ratio of 1.07 is near median its 10-year median of 1.00. Over the past 10 years, this metric has ranged from a low of 0.59 to a high of 1.63. The Banks industry median PB Ratio is 1.10. Civista Bancshares' value of 1.07 is 2.7% below this industry median. Based on the distribution chart, Civista Bancshares ranks #716 out of 1517 companies in the Banks industry, which is above the industry midpoint. Overall, Civista Bancshares has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Civista Bancshares' PB Ratio compare to UNTY and KRNY?
According to the Banks industry distribution chart, Civista Bancshares ranks #716 out of 1517 companies for PB Ratio. This puts Civista Bancshares in the upper half of its industry. The industry median PB Ratio is 1.10. Civista Bancshares' value of 1.07 is 2.7% below this benchmark. Historically, Civista Bancshares' own PB Ratio has ranged from 0.59 to 1.63 over the past decade. While the company's 10-year median is 1.00 vs. the industry median of 1.10, Civista Bancshares has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.10, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Civista Bancshares's current PB Ratio of 1.07 is 2.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Civista Bancshares and its competitors. For the Banks industry, the median PB Ratio is 1.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Civista Bancshares's current PB Ratio is 1.07, which is near median its own 10-year median of 1.00. 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 $18.05, compared to a current price of $28.46 — trading 57.7% above its estimated fair value. The current PB Ratio is 1.07, which is near median its 10-year median of 1.00 and 2.7% below the Banks industry median of 1.10. Civista Bancshares' overall GF Score™ is 60/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Civista Bancshares (CIVB), the current PB Ratio is 1.07 as of Jul. 04, 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 $28.46 is trading 57.7% above its estimated GF Value™ of $18.05.
GuruFocus considers Civista Bancshares to be Significantly Overvalued.
Key valuation signals for CIVB:
PB Ratio: 1.07 (near median its 10-year median of 1.00)
GF Value™: $18.05 vs. price of $28.46 (57.7% above fair value)
Industry Position: 2.7% below the Banks median (#716 of 1517)
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 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.
60GF Score
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