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The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Civista Bancshares's share price is €24.80.
Civista Bancshares's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was €7.87. Hence, Civista Bancshares's PS Ratio for today is 3.15.
Warning Sign:
Civista Bancshares Inc stock PS Ratio (=3.05) is close to 5-year high of 3.16.
The historical rank and industry rank for Civista Bancshares's PS Ratio or its related term are showing as below:
FRA:44Q'
s PS Ratio Range Over the Past 10 Years
Min: 1.37 Med: 2.67 Max: 4.36
Current: 3.17
During the past 13 years, Civista Bancshares's highest PS Ratio was 4.36. The lowest was 1.37. And the median was 2.67.
FRA:44Q's PS Ratio is ranked worse than 52.51% of 1516
companies
in the Banks industry
Industry Median: 3.06
vs FRA:44Q: 3.17
Civista Bancshares Inc revenue per share is in decline over the past 12 months.
During the past 12 months, the average Revenue per Share Growth Rate of Civista Bancshares was -7.20% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 2.10% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 6.60% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 7.30% per year.
During the past 13 years, Civista Bancshares's highest 3-Year average Revenue per Share Growth Rate was 64.70% per year. The lowest was -8.50% per year. And the median was 2.10% per year.
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
Civista Bancshares PS Ratio Related Terms
Civista Bancshares PS Ratio Historical Data
* Premium members only.
The historical data trend for Civista Bancshares's PS 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 PS Ratio, along with its competitors' market caps and 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 PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Civista Bancshares's PS Ratio distribution charts can be found below:
* The bar in red indicates where Civista Bancshares's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Civista Bancshares's Share Price of today is €24.80. Civista Bancshares's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €7.87.
* 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:
Civista Bancshares (FRA:44Q) has a PS Ratio of 3.15 as of Aug. 01, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Civista Bancshares and its competitors. This is 18% above median its historical median of 2.67. Over the past decade, Civista Bancshares' PS Ratio has ranged from 1.37 to 4.36. According to the industry distribution chart, Civista Bancshares ranks #796 out of 1516 companies in the Banks industry, placing it in the top 52.5%.
Is Civista Bancshares' PS Ratio too high?
Civista Bancshares' current PS Ratio of 3.15 is 18% above median its 10-year median of 2.67. Over the past 10 years, this metric has ranged from a low of 1.37 to a high of 4.36. The Banks industry median PS Ratio is 3.06. Civista Bancshares' value of 3.15 is 2.9% above this industry median. Based on the distribution chart, Civista Bancshares ranks #796 out of 1516 companies in the Banks industry, which is below the industry midpoint. Overall, Civista Bancshares has a GF Score™ of 58/100, reflecting its overall financial health beyond just this single metric.
How does Civista Bancshares' PS Ratio compare to NPB and KRNY?
According to the Banks industry distribution chart, Civista Bancshares ranks #796 out of 1516 companies for PS Ratio. This places Civista Bancshares in the lower half of its industry. The industry median PS Ratio is 3.06. Civista Bancshares' value of 3.15 is 2.9% above this benchmark. Historically, Civista Bancshares' own PS Ratio has ranged from 1.37 to 4.36 over the past decade. While the company's 10-year median is 2.67 vs. the industry median of 3.06, Civista Bancshares has consistently been above 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 3.06, based on 1,516 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Civista Bancshares's current PS Ratio of 3.15 is 2.9% above 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Civista Bancshares and its competitors. For the Banks industry, the median PS Ratio is 3.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Civista Bancshares's current PS Ratio is 3.15, which is 18% above median its own 10-year median of 2.67. 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?
Civista Bancshares (FRA:44Q) has a current PS Ratio of 3.15. The stock's GF Value™ is €15.38, compared to a current price of €24.80 — trading 61.2% above its estimated fair value. The current PS Ratio is 3.15, which is 18% above median its 10-year median of 2.67 and 2.9% above the Banks industry median of 3.06. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Civista Bancshares (FRA:44Q), the current PS Ratio is 3.15 as of Aug. 01, 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 (FRA:44Q) Overvalued in 2026?
Based on GuruFocus' analysis, Civista Bancshares stock appears to be overvalued.
The current stock price of €24.80 is trading 61.2% above its estimated GF Value™ of €15.38.
Key valuation signals for FRA:44Q:
PS Ratio: 3.15 (18% above median its 10-year median of 2.67)
GF Value™: €15.38 vs. price of €24.80 (61.2% above fair value)
Industry Position: 2.9% above the Banks median (#796 of 1516)
No single metric tells the full story. See the FRA:44Q 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.
58GF Score
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