Civista Bancshares, Inc. cash flow to debt ratio of 15.23% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Civista Bancshares, Inc.'s free cash flow has decreased 4.41% from $44.06M last year to $42.12M, signaling decreasing performance

Civista Bancshares, Inc.'s debt to equity ratio is 0.40, which means that the company's assets are healthy financed, signaling financial stability.

Civista Bancshares, Inc.'s debt has decreased relative to shareholder equity from 1.16 last year to 0.40 today, signaling strengthened financials

Civista Bancshares, Inc. has a net cash position, so leverage is healthy.

Civista Bancshares, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Civista Bancshares, Inc.'s profit margin has increased (84.76%) in the last year from 13.10% to 24.20%, signaling increasing performance

Civista Bancshares, Inc.'s short-term liabilities of $3.64B exceed its short-term assets of $414.27M, signaling financial risk

Civista Bancshares, Inc.'s return on assets of 1.27% is lower than the 5.00% threshold, indicating inefficient asset utilization

Civista Bancshares, Inc.'s return on equity of 10.05%, is lower than 15.00%, indicating bad performance

Civista Bancshares, Inc.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Civista Bancshares, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Civista Bancshares, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Civista Bancshares, Inc. has a free cash flow yield of 7.20%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Civista Bancshares, Inc.'s yearly earnings has increased 45.86% since last year from $31.68M to $46.21M, signaling increasing performance

Civista Bancshares, Inc.'s yearly revenue has increased 5.40% since last year from $241.90M to $254.95M, signaling increasing performance

ROIC 3.04% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Civista Bancshares, Inc.'s 3-year revenue CAGR of 18.56% is positive, indicating growing revenue over the past 3 years

Civista Bancshares, Inc. had revenue growth in 5 out of 5 years, indicating consistent revenue performance

Civista Bancshares, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Civista Bancshares, Inc. is overvalued relative to its fair value price of 24.23 based on Discounted Cash Flow model

Civista Bancshares, Inc. has an earnings yield of 9.30%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Civista Bancshares, Inc. is overvalued relative to its fair value price of 8.68 based on EBITDA multiple model

Civista Bancshares, Inc. has an EV/EBITDA ratio of 7.20x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Civista Bancshares, Inc. is undervalued relative to its fair value price of 69.60 based on Earnings Fair Value model

Civista Bancshares, Inc. has a PEG-ratio over 1 which is considered overvalued

Civista Bancshares, Inc. has a price-to-book ratio of 1.03x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Civista Bancshares, Inc. has a price-to-sales ratio of 2.60x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue