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Civista Bancshares's ROE % for the quarter that ended in Mar. 2026 was 10.94%. Civista Bancshares's PB Ratio for the quarter that ended in Mar. 2026 was 0.86.
Civista Bancshares's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 12.72%.
Civista Bancshares ROE % Adjusted to Book Value Related Terms
Civista Bancshares ROE % Adjusted to Book Value Historical Data
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The historical data trend for Civista Bancshares's ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value Chart
CIVB vs NPB, KRNY, CBNK: ROE % Adjusted to Book Value Comparison
For the Banks - Regional subindustry, Civista Bancshares's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry
For the Banks industry and Financial Services sector, Civista Bancshares's ROE % Adjusted to Book Value distribution charts can be found below:
* The bar in red indicates where Civista Bancshares's ROE % Adjusted to Book Value 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.
What does a ROE % Adjusted to Book Value of 12.72% mean?
Civista Bancshares (CIVB) has a ROE % Adjusted to Book Value of 12.72% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Civista Bancshares and its competitors.
Is Civista Bancshares' ROE % Adjusted to Book Value too high?
Civista Bancshares' current ROE % Adjusted to Book Value is 12.72%. 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' ROE % Adjusted to Book Value compare to NPB and KRNY?
Civista Bancshares' ROE % Adjusted to Book Value of 12.72% 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 ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Civista Bancshares and its competitors. Civista Bancshares's current ROE % Adjusted to Book Value is 12.72%. 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 ROE % Adjusted to Book Value is 12.72%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Civista Bancshares (CIVB), the current ROE % Adjusted to Book Value is 12.72% 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:
ROE % Adjusted to Book Value: 12.72%
GF Value™: $18.02 vs. price of $29.06 (61.3% above fair value)
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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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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