The long-term trend of the EPS is a vital number as it helps understand the future potential of Civista Bancshares. It is usually expressed as a percentage and is then referred to as the EPS growth rate, which is 8.00%. EPS growth is a vital measure of execution of the strategy for Civista Bancshares since it indicates how well the business is allocating resources to benefit shareholders.



Civista Bancshares trades as part of the banking industry and is part of the financial services sector. The company CEO is Dennis Shaffer. Civista Bancshares Inc is a financial holding company which is involved in collecting customer deposits, making loans, purchasing securities, and offering trust services to its clients.

Previous Intraday Performance:

The CIVB shares had a previous change of 0.38% which opened at 21.23 and closed at 21.31. It moved to an intraday high of 21.71 and a low of 20.90.

SeekingAlpha:  Civista Bancshares beats by $0.01, misses on revenue

Historical Performance:

Over the last five trading days, CIVB shares returned 1.72% and in the past 30 trading days it returned -7.19%. Over three months, it changed -11.67%. In one year it has changed -1.54% and within that year its 52-week high was 25.88 and its 52-week low was 20.25. CIVB stock is 5.23% above its 52 Week Low.

Our calculations result in a 200 day moving average of 23.43 and a 50 day moving average of 22.76. Right now, CIVB stock is trading -9.06% below its 200 day moving average and may not be a great opportunity to buy as it may continue to trend down.

PR Newswire:  Civista Bancshares, Inc. Announces Third Quarter 2018 Earnings

Liquidity:

The company has a market cap of $230.0m with 10.8m shares outstanding and a float of 10.0m shares. Trading volume was 206,999 shares and has experienced an average volume of 40,146 shares. Our calculation, using the current average volume and close price, leads me to believe that the liquidity is bad, highly speculative and an investor may want to avoid this stock.

Earnings:

The last annual reported EPS for Civista Bancshares was 1.29 which ended on 31st of December 2017, which according to the previous close, that is a PE of 16.52. Based on 2 analyst estimates, the consensus EPS for the next quarter is 0.35. The trailing twelve month EPS is 1.73, which comes to a trailing twelve month PE of 12.32. Historically, the PE high was 16.90 and the PE low was 8.30. If the stock reached its PE low, that would represent a price of 14.36, which is a decrease of -32.63%.

Below was the last reported quarterly earnings per share:
09-30-2018:  0.37
06-30-2018:  0.44
03-31-2018:  0.55
12-31-2017:  0.37

The dividend per share is currently 0.36, which is a dividend yield of 1.69%. Also, the payout ratio is 20.81%, therefore the dividend is safe according to our calculations.



Base on our calculations, the intrinsic value per share is 21.06, which means it might overvalued by -1.21%

Indicators Also to Watch:

Based on the latest filings, there is 7.30% of insider ownership and 46.80% of institutional ownership. Short-interest was 0, which was 0.00% of shares outstanding. The short-interest ratio or days-to-cover ratio was 0.00.

I calculated the beta to be 0.53

PR Newswire:  Civista Bancshares, Inc. Announces Third Quarter 2018 Earnings

Fundamental Numbers:

Based on last reported financials, the company’s return on equity is 4.27%, return on assets is 0.53%, profit margin is 12.75%, price-to-sales is 2.77 and price-to-book is 1.48.

Company Score Card:

Results are out of six:
 4  : Growth Expectations Result
 6  : Financial Safety Result
 1  : Past Performance Result
 2  : Valuation Result
 3  : Dividend Safety Result
 3  : Overall Result

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Jake McWilliams
I am an independent trader, analyst and algorithmic trading expert, having worked both for the sell side (brokerage) and the buy side (fund administration). I have been trading professionally for about 20 years. I trade stocks and forex and I play both long and short positions in underlying asset or through options. I have experience with discretionary and fully automated systems (Metatrader and Quantshare).

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