CIVB (Civista Bancshares) ROC %: % (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

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 ROC %?

Civista Bancshares CIVB +0.55% 58 ROC % is % 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.

ROC %does not apply to banks.

CIVB
58GF Score
Civista Bancshares Inc CIVB
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Civista Bancshares (CIVB) has a ROC % of % as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Civista Bancshares and its competitors.
Is Civista Bancshares' ROC % too high?
Civista Bancshares' current ROC % is %. 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' ROC % compare to NPB and KRNY?
Civista Bancshares' ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.85. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.85, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Civista Bancshares and its competitors. For the Banks industry, the median ROC % is 1.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Civista Bancshares's current ROC % is %. 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 ROC % is %. 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 ROC % calculated?
ROC % is calculated from a company's financial statements. For Civista Bancshares (CIVB), the current ROC % is % 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:

  • ROC %: %
  • 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

ROC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$29.06
Price
$18.02
GF Value