CIVB Stock Analysis: Buy, Sell, or Hold?
CIVB - Civista Bancshares, Inc.
$27.60
0.06 (0.22%)
▲
5d:
-3.19%
30d:
-2.44%
90d:
+7.6%
WAIT
LOW Confidence
Analysis Updated: Aug 21, 2026 12:00 AM ET
Earnings: Oct 22, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 MIXED SIGNALS: CIVB shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: CIVB shows conflicting indicators. Wait for confirmation before entering.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$30.01
Based on 3.3% avg growth
INTRINSIC VALUE TODAY
$18.64
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 8.8x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CIVB is currently trading at $27.60, which is considered oversold relative to its 30-day fair value range of $28.06 to $29.01. The stock's valuation (Forward PE: 9.5) is in line with its historical norms (8.8). At these levels, the market is pricing in 2.4% annual earnings growth.
Technical Outlook: Technically, CIVB is in a strong uptrend. The price is currently testing key support at $27.07. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 48/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $31.17 (+12.9%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, CIVB is in a strong uptrend. The price is currently testing key support at $27.07. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 48/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $31.17 (+12.9%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$28.06 -
$29.01
Company Quality Score
44/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
80.5%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (48/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($31.17)
- BULLISH: Expecting earnings turnaround to 2.4% growth with 13.5% revenue growth
- WARNING: Composite score 44/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$28.06 -
$29.01
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$27.07
Resistance Level
$29.07
Current Trend
Strong Uptrend
Technical data as of
Aug 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
9.50
Wall Street Target
$31.17
(+12.9%)
Revenue Growth (YoY)
13.5%
Earnings Growth (YoY)
-3.0%
Profit Margin
29.6%
Valuation Premium vs History
+2.4% premium
PE vs Historical
9.5 vs 8.8
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.4%
(market-implied from PE analysis)
1-Year Target
$28.26
(+2%)
2-Year Target
$28.94
(+5%)
3-Year Target
$29.64
(+7%)
3-Yr Target (if PE normalizes)
(PE: 10→9)
PE COMPRESSION
$27.47
(-1%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.1, Growth: 2.5%)
$62.76
(+127%)
Base:
(SPY PE: 9.5, Growth: 2.5%)
$29.69
(+8%)
Bear:
(PE: 8.1, Growth: 2.5%)
$25.24
(-9%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (10x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 10.28 | Current EPS (TTM): $2.68
Bull Case
$32.86
(+19%)
Analyst growth 8.5%, PE expands to 11.3
Base Case
$29.87
(+8%)
Market implied 8.5%, PE stable at 10.3
Bear Case
$18.73
(-32%)
Severe decline -20.0%, PE contracts to 8.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 23, 2026 6:30 PM ET
Data refreshes hourly during market hours. Next update: 7:30 PM
Data refreshes hourly during market hours. Next update: 7:30 PM
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Technical Signals Check
Is CIVB showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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