CIVB Stock Analysis: Buy, Sell, or Hold?
CIVB - Civista Bancshares, Inc.
$24.22
-0.30 (-1.22%)
▼
5d:
-3.08%
30d:
+2.67%
90d:
+1.55%
BUY
MODERATE Confidence
Analysis Updated: May 15, 2026 12:00 AM ET
Earnings: Apr 24, 2026
0d
Get Alerted When CIVB Hits Your Target Price
Join 10,000+ traders who never miss a move
You're in! Check your email to confirm and set your target price.
100% Free
No spam, ever
Unsubscribe anytime
Interactive Price Chart (1 Month)
Loading chart...
Loading historical data...
Bottom Line:
💡 BUY OPPORTUNITY: CIVB shows positive signals but monitor for confirmation. Market pricing in 0.4% decline. Moderate conviction.
💡 BUY OPPORTUNITY: CIVB shows positive signals but monitor for confirmation. Market pricing in 0.4% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$29.08
Based on 3.4% avg growth
INTRINSIC VALUE TODAY
$18.06
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 8.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CIVB is currently trading at $24.22, which is considered fair relative to its 30-day fair value range of $23.88 to $25.00. The stock's valuation (Forward PE: 8.3) is in line with its historical norms (8.5). Remarkably, the market is currently pricing in an annual earnings decline of 0.4% over the next few years. This pessimistic expectation contrasts with the company's recent 9.7% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, CIVB is in a uptrend. The price is currently testing key support at $24.15. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $27.67 (+14.2%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, CIVB is in a uptrend. The price is currently testing key support at $24.15. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $27.67 (+14.2%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$23.88 -
$25.00
Company Quality Score
56/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
70.0%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($27.67)
Trading Range Analysis
30-Day Trading Range
$23.88 -
$25.00
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$24.15
Resistance Level
$28.31
Current Trend
Uptrend
Technical data as of
May 15, 2026
Fundamental Context
Forward P/E (Next Year Est.)
8.35
Wall Street Target
$27.67
(+14.2%)
Revenue Growth (YoY)
22.6%
Earnings Growth (YoY)
9.7%
Profit Margin
28.7%
Valuation Discount vs History
-0.4% cheaper
PE vs Historical
8.4 vs 8.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.4%
(market-implied from PE analysis)
1-Year Target
$24.12
(0%)
2-Year Target
$24.03
(-1%)
3-Year Target
$23.93
(-1%)
3-Yr Target (if PE normalizes)
(PE: 8→9)
$24.37
(+1%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.1, Growth: 2.7%)
$69.40
(+187%)
Base:
(SPY PE: 8.3, Growth: 2.7%)
$26.25
(+8%)
Bear:
(PE: 7.1, Growth: 2.7%)
$22.31
(-8%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (9x PE), but valuation improves significantly next year (8x PE) as earnings recover.
Trailing PE: 8.96 | Current EPS (TTM): $2.70
Bull Case
$28.59
(+18%)
Analyst growth 7.5%, PE expands to 9.9
Base Case
$25.99
(+7%)
Market implied 7.5%, PE stable at 9.0
Bear Case
$16.44
(-32%)
Severe decline -20.0%, PE contracts to 7.6
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 8.3 to 8.5
Stabilization Target:
$24.66
(+1.8%)
PE Expansion Potential:
+1.8%
Share & Embed Analysis
Last updated: May 15, 2026 9:05 PM ET
Data refreshes hourly during market hours. Next update: 10:05 PM
Data refreshes hourly during market hours. Next update: 10:05 PM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
|---|
Technical Signals Check
Is CIVB showing a specific setup today?
Insider Activity (6 Months)
1
Buys
0
Sells
+
Net
INSIDERS BUYING
Recent Transactions
Nathan E Weaks
BUY
1000 shares
2025-11-18
Top Rated Banks - Regional Stocks
Top-rated stocks in Banks - Regional by analyst ratings.
| Stock | Analyst Consensus | Analyst Target | Tradestie Score |
|---|---|---|---|
|
HBAN
Huntington Bancshares In… |
STRONG BUY
21 analysts |
$20 | 55 HOLD |
|
FITB
Fifth Third Bancorp |
BUY
24 analysts |
$57 | 51 HOLD |
|
TFC
Truist Financial Corp |
HOLD
23 analysts |
$56 | 60 HOLD |
|
CFG
Citizens Financial Group… |
BUY
21 analysts |
$73 | 46 HOLD |
|
SNV
Synovus Financial Corp |
BUY
19 analysts |
$58 | 50 HOLD |
