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UNTY (63) BWFG (65) BWB (52) SFST (59) ⌘ Pro Terminal β†’

Civista Bancshares Inc. (CIVB) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$28.98 +2.66% NASDAQ β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $29.06

Civista Bancshares Inc. (CIVB) carries a Roarable Rating of C+ (Hold) with 66/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C+ β€’ HOLD / WATCH Cap $587.0M
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is CIVB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-03, Civista Bancshares Inc. (NASDAQ: CIVB) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 66/100 at a spot price of $28.98 (+2.66% 1D, market cap $587.0M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, CIVB ranks #218 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does CIVB compare to UNTY and BWFG in the Financials sector?
β–Ό

Within the Financials sector (Major Banks), CIVB carries a Roarable C+ (66/100 RQD), trailing P/E of 12.8x, gross margin of β€”, and ROIC of 8.5%. By comparison, UNTY (Unity Bancorp Inc.) holds a C grade (63/100 RQD, P/E 10.1x, ROIC 16.8%, cap $575.5M) and BWFG (Bankwell Financial Group Inc.) posts a C grade (65/100 RQD, P/E 15.8x, ROIC 11.7%, cap $567.8M). Among the 5-stock peer group, UNTY leads on earnings multiple (10.1x) while UNTY leads on capital efficiency (16.8% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for CIVB?
β–Ό

Per CIVB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000944745), Civista Bancshares Inc. generated $19.0M in revenue (-0.5% YoY), $46.2M in net income, and $42.1M in free cash flow against $4.34B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $29.06 (+0.29%)🧬 Cannibal Buyback (-2.36% YoY Shares)βš™οΈ Cash Engine: 10/20 (D) β€’ 221.4% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record: Scores of 66/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.4% avg 90D alpha vs SPY β€’ 56.0% hit rate β€” wait for RQD β‰₯ 70 breakout).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERHOLD / WATCH β€’ C+
025507510066
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) β€” not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw C Β· Rk C+
Cash (10)Whales (13)SEC (13)Macro (14)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+3.6% Base Target
$35 Bull$30 Base$23 Bear
πŸ“¬ FREE CIVB RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for CIVB)Realized 20D OHLCV Swing Band: Β±4.5%
Deterministic 5-Pillar Attribution (66/100 Composite)
πŸ” WHY CIVB SCORES 66/100 (C+) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy β€’ Cannibal Buyback (-2.36% YoY Shares)

β–² #2 Bullish Driver: Macro Regime Fit+14/20 pts (21% of score)

FRED Regime Γ— Technicals: 89% of 52W Range β€’ RSI-14 at 60.6 (BULLISH MOMENTUM)

β–Ό #1 Drag / Risk Factor: Cash Engine Quality10/20 pts (-10 pt drag)

Capital intensity & 0% operating margin leave 10 pts on the table

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
58
Grade C$26.68+0.9% Next Q
Q2 (-2Q)
61
Grade C$26.91+4.6% Next Q
Q3 (-1Q)
63
Grade C+$28.16+2.9% Next Q
Current
66
Grade C+$28.98+1.4% Hist 90D Ξ±
Trajectory: C (58) β†’ C+ (66)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

βš”οΈ Adversarial Opposing Case: Why the CIVB Bull Thesis Could Fail

Gideon Ashmere Forensic Desk β†’

Even with a 66/100 (C+) score, CIVB faces multiple-compression risk if 12.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) β€” any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($27.25) or 200D SMA ($25.90) invalidates the momentum regime and cuts Target Base ($30.02) toward Bear Floor ($23.42).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CIVBβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œCIVB Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 66%NO 34%Trade / Inspect Odds β†’
VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL β€’ FY 2025 (10-K)

How CIVB Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$42.1M (221.4% FCF Margin)
Revenue$19.0MGross Profit $9.9M (52%)Cost of Sales $9.1MOp Profit $0 (0%)OpEx (R&D/SG&A) $9.9MNet Profit$46.2M (242.9%)Tax/Other $0

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

β–  Revenueβ–  Net Profitβ–  Free Cash Flow
FY23
Rev $30.4M
FY24
Rev $19.1M
FY25
Rev $19.0M
Fiscal YearRevenueGross MarginOp MarginNet ProfitFree Cash FlowROIC %
FY 2025$19.0M52%0%$46.2M$42.1M8.5%
FY 2024$19.1M52%0%$31.7M$44.1M8.5%
FY 2023$30.4M52%0%$43.0M$62.7M8.5%
ON-DEMAND RQD QUANT WORKSHOP β€’ SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring CIVB)

  • βœ“Walkthrough of CIVB's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • βœ“3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • βœ“Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks
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CIVB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +17.61%⚑ TESTING RESISTANCE
2026-11-03O $28.47H $28.98L $28.23C $28.98VOL 104.4K
RES: $29.03SUP: $25.81SMA50: $27.25SMA200: $25.90
$30.51$28.27$26.03$23.79$21.56RES $29.03SUP $25.81$28.982026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CIVB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

πŸ¦‹ CIVB Butterfly Map β†’ + Track CIVB β†’
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
3.8%/yr Implied 5Y Growth

vs. -0.5% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on CIVB today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

No direct multi-tier Butterfly edges indexed yet for CIVB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for CIVB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CIVB)

Financials Rank #218 of 1097 βš”οΈ UNTY vs CIVB Full Matrix β†’

1. Head-to-Head Financials Peer Comparison (CIVB vs. UNTY, BWFG, BWB, SFST)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Civista Bancshares Inc. (CIVB) ranks #218 by composite RQD confidence (66/100, grade C+) and #669 by equity capitalization ($587.0M). Within this direct 5-issuer industry benchmark cohort, UNTY leads on earnings valuation at 10.1x trailing P/E, while UNTY leads on capital efficiency and profitability with 16.8% ROIC and β€” gross margin. CIVB currently leads its immediate peer cohort in composite quantitative strength at 66/100 (C+).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
CIVB ACTIVE
Civista Bancshares Inc.
C+ 66/100 12.8x β€” 8.5% +2.66% $587.0M Benchmark Subject
UNTY
Unity Bancorp Inc.
C 63/100 10.1x β€” 16.8% +2.77% $575.5M /unty-vs-civb β†’
BWFG
Bankwell Financial Group Inc.
C 65/100 15.8x β€” 11.7% +2.40% $567.8M /bwfg-vs-civb β†’
BWB
Bridgewater Bancshares Inc.
D+ 52/100 12.3x β€” 8.9% +2.03% $566.2M /bwb-vs-civb β†’
SFST
Southern First Bancshares Inc.
C- 59/100 19.0x β€” 8.2% +2.40% $564.3M /sfst-vs-civb β†’

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0000944745 β†—

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Civista Bancshares Inc. (CIVB) reported GAAP revenue of $19.0M (-0.5% vs. FY2024 revenue of $19.1M , and -37.5% cumulative change since FY2023) , GAAP net income of $46.2M, operating cash flow of $43.3M, and free cash flow of $42.1M (-4.4% YoY). On the balance sheet, CIVB closed FY2025 with $4.34B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $19.0M $46.2M $43.3M $42.1M $4.34B β€”
FY2024 (FY) 2024-12-31 $19.1M $31.7M $48.2M $44.1M $4.10B β€”
FY2023 (FY) 2023-12-31 $30.4M $43.0M $62.7M $62.7M β€” β€”

3. CIVB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CIVB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Civista Bancshares Inc. (NASDAQ: CIVB) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 66/100 at a spot price of $28.98 (+2.66% 1D, market cap $587.0M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 13/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 14/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, CIVB ranks #218 in composite RQD confidence.

How does CIVB compare to UNTY and BWFG in the Financials sector?

Within the Financials sector (Major Banks), CIVB carries a Roarable C+ (66/100 RQD), trailing P/E of 12.8x, gross margin of β€”, and ROIC of 8.5%. By comparison, UNTY (Unity Bancorp Inc.) holds a C grade (63/100 RQD, P/E 10.1x, ROIC 16.8%, cap $575.5M) and BWFG (Bankwell Financial Group Inc.) posts a C grade (65/100 RQD, P/E 15.8x, ROIC 11.7%, cap $567.8M). Among the 5-stock peer group, UNTY leads on earnings multiple (10.1x) while UNTY leads on capital efficiency (16.8% ROIC).

What are the biggest fundamental strengths and SEC risk factors for CIVB?

Per CIVB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000944745), Civista Bancshares Inc. generated $19.0M in revenue (-0.5% YoY), $46.2M in net income, and $42.1M in free cash flow against $4.34B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is CIVB trading relative to its 50-day, 200-day, and 52-week technical levels?

CIVB last traded at $28.98 (+2.66% on volume of 178,887 shares), positioning the stock +6.35% above its 50-day simple moving average ($27.25) and +11.89% above its 200-day simple moving average ($25.90). Across its 52-week range of $21.10 to $29.97, CIVB sits at the 88.8% percentile with a 14-day RSI of 60.6 (BULLISH MOMENTUM) and an implied next-earnings move of Β±4.5% ($27.68 to $30.28).

Direct Sub-Reports: CIVB RQD Cockpit CIVB 12M Forecast CIVB Earnings & Move CIVB Dividends & DRIP CIVB Insiders & 13F CIVB Whale Options CIVB Profit Sankey CIVB News & Why
ROARABLE RATING BRIEF β€’ RQD 66/100 (C+) βœ“ SEC XBRL & RQD VERIFIED

CIVB β€” Civista Bancshares Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Civista Bancshares Inc. (CIVB) earns a live Roarable RQD composite score of 66/100, corresponding to a C+ letter grade (Roarable Hold) at a spot price of $28.98 (+2.66% 1D, market capitalization $587.0M).

  • Fundamental Cash Engine (10/20): Anchored by return on invested capital (ROIC) of 8.5%, gross margin of β€”, operating margin of β€”, and free cash flow yield of 7.11%.
  • Whale 13F & Options Flow (13/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (14/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Civista Bancshares Inc. Is a NASDAQ-listed issuer in the Financials sector and Major Banks industry. Its market capitalization is stated as $0.6B in the profile.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Civista Bancshares Inc. (CIVB) reported $19.0M in annual revenue (up from $19.1M in FY2024, -0.5% YoY) and $46.2M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($30.4M revenue, $43.0M net income) through FY2025, CIVB scaled operating cash flow to $43.3M and free cash flow to $42.1M, backed by $4.34B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • πŸ‚ Primary Bull Case (C+ β€’ RQD 66/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 7.11% and institutional whale pillar of 13/20. With Fundamental Cash Engine at 10/20 and Institutional Whale Flow at 13/20, sustained execution supports upside toward the upper end of the $21.10 – $29.97 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 12.8x trailing P/E against β€” operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Major Banks (Financials), CIVB carries a macro regime beta of 1.00 and gross margin of β€”.

  • Key Question #1: Can CIVB sustain or expand its β€” operating margin and 8.5% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $19.0M and free cash flow of $42.1M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is CIVB's 11.9x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

CIVB Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Civista Bancshares Inc. (CIVB) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to CIVB Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

CIVB Bull vs. Bear Conversation Board β€” What's Your Call at $28.98?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON CIVB 🐻 33% BEARISH CONVICTION
1. Pick Your Side on CIVB:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeepValue_CFA RQD DEBATE OPENER β€’ Institutional Buy-Side πŸ‚ BULLISH 🎯 Target: $32.46 (+15.0%)
πŸ“Œ Pinned Debate

Insider conviction (16/20) and a 7.11% FCF yield with 12.8x trailing P/E offer upside if institutional accumulation continues.

Insider conviction (16/20) and a 7.11% FCF yield with 12.8x trailing P/E offer upside if institutional accumulation continues.. When you look under the hood at CIVB, Fundamental Cash Engine is 10/20 with 0.0% gross margins and 8.5% ROIC. Bears are staring in the rearview mirror while institutional 13F flow (13/20) has been quietly accumulating below $29.97. My 12M target is $32.46.

CapAlloc_Nerd πŸ‚ BULL

@DeepValue_CFA Agree on the RQD 66/100 quality, though with 1.0 beta I'm scaling in with half-size at $28.23 and keeping dry powder in case we test $26.25.

CR CreditSpread_Watch RQD DEBATE OPENER β€’ Balance Sheet Analyst 🐻 BEARISH 🎯 Target: $21.17 (-25.0%)
Spot @ $28.23

Cash-engine pillar scores only 10/20 and Piotroski F is 4/9, while FCF declined from $44.1M to $42.1M despite higher net income.

Careful chasing CIVB at $28.23. Cash-engine pillar scores only 10/20 and Piotroski F is 4/9, while FCF declined from $44.1M to $42.1M despite higher net income.. Gross margin is 0.0%, but operating margin is 0.0%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $21.17 on multiple compression.

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