CIVB (Civista Bancshares) ROIC %

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.
Reviewed by: Charlie Tian Charlie Tian
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 ROIC %?

ROIC % does not apply to banks.

CIVB
58GF Score
Civista Bancshares Inc CIVB
ROIC % is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • ROIC %:
  • 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

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

$29.06
Price
$18.02
GF Value