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Civista BancsharesCIVB +0.55%58 Return-on-Tangible-Equity is 14.81% as of Mar. 2026, which is 2% above its 10-year median of 14.46. 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. Among 1,522 Banks companies, Civista Bancshares ranks better than 71.16% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Civista Bancshares's annualized net income for the quarter that ended in Mar. 2026 was $60.0 Mil. Civista Bancshares's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $404.7 Mil. Therefore, Civista Bancshares's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 14.81%.
The historical rank and industry rank for Civista Bancshares's Return-on-Tangible-Equity or its related term are showing as below:
CIVB'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 7.67 Med: 14.46 Max: 19.74
Current: 14.51
During the past 13 years, Civista Bancshares's highest Return-on-Tangible-Equity was 19.74%. The lowest was 7.67%. And the median was 14.46%.
CIVB's Return-on-Tangible-Equity is ranked better than 71.16% of 1522
companies
in the Banks industry
Industry Median: 11.375
vs CIVB: 14.51
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Civista Bancshares Return-on-Tangible-Equity Related Terms
Civista Bancshares Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Civista Bancshares's Return-on-Tangible-Equity 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.
CIVB vs NPB, KRNY, CBNK: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, Civista Bancshares's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Civista Bancshares's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Civista Bancshares's Return-on-Tangible-Equity falls into.
* 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 14.81% mean?
Civista Bancshares (CIVB) has a Return-on-Tangible-Equity of 14.81% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Civista Bancshares and its competitors. This is near median its historical median of 14.46. Over the past decade, Civista Bancshares' Return-on-Tangible-Equity has ranged from 7.67 to 19.74. According to the industry distribution chart, Civista Bancshares ranks #439 out of 1522 companies in the Banks industry, placing it in the top 28.8%.
Is Civista Bancshares' Return-on-Tangible-Equity too high?
Civista Bancshares' current Return-on-Tangible-Equity of 14.81% is near median its 10-year median of 14.46. Over the past 10 years, this metric has ranged from a low of 7.67 to a high of 19.74. The Banks industry median Return-on-Tangible-Equity is 11.38. Civista Bancshares' value of 14.81% is 30.2% above this industry median. Based on the distribution chart, Civista Bancshares ranks #439 out of 1522 companies in the Banks industry, which is above the industry midpoint. 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' Return-on-Tangible-Equity compare to NPB and KRNY?
According to the Banks industry distribution chart, Civista Bancshares ranks #439 out of 1522 companies for Return-on-Tangible-Equity. This puts Civista Bancshares in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.38. Civista Bancshares' value of 14.81% is 30.2% above this benchmark. Historically, Civista Bancshares' own Return-on-Tangible-Equity has ranged from 7.67 to 19.74 over the past decade. While the company's 10-year median is 14.46 vs. the industry median of 11.38, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.38, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Civista Bancshares's current Return-on-Tangible-Equity of 14.81% is 30.2% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Civista Bancshares and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Civista Bancshares's current Return-on-Tangible-Equity is 14.81%, which is near median its own 10-year median of 14.46. 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 Return-on-Tangible-Equity is 14.81%, which is near median its 10-year median of 14.46 and 30.2% above the Banks industry median of 11.38. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Civista Bancshares (CIVB), the current Return-on-Tangible-Equity is 14.81% 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:
Return-on-Tangible-Equity: 14.81% (near median its 10-year median of 14.46)
GF Value™: $18.02 vs. price of $29.06 (61.3% above fair value)
Industry Position: 30.2% above the Banks median (#439 of 1522)
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.
58GF Score
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