Civista Bancshares (Civista Bancshares) GF Value : $28.26 (As of Apr. 27, 2024)

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What is Civista Bancshares GF Value?

The GF Value represents the current intrinsic value of a stock derived from our exclusive method. The GF Value Line on our summary page gives an overview of the fair value that the stock should be traded at. It is calculated based on three factors:

Historical multiples (PE Ratio, PS Ratio, PB Ratio and Price-to-Free-Cash-Flow) that the stock has traded at.
GuruFocus adjustment factor based on the company’s past returns and growth.
Future estimates of the business performance.

We believe the GF Value Line is the fair value that the stock should be traded at. The stock price will most likely fluctuate around the GF Value Line. If the stock price is significantly above the GF Value Line, it is overvalued and its future return is likely to be poor. On the other hand, if it is significantly below the GF Value Line, its future return will likely be higher.

Please note, "Possible Value Trap, Think Twice" is for the companies that look very undervalued, but either in the long term trend of business decline, or in financial distress.

As of today (2024-04-27), Civista Bancshares's share price is $14.85. Civista Bancshares's GF Value is $28.26. Therefore, Civista Bancshares's Price-to-GF-Value for today is 0.53.

Based on the relationship between the current stock price and the GF Value, GuruFocus believes Civista Bancshares is Significantly Undervalued.

Civista Bancshares (NAS:CIVB) GF Value Explanation

Based on the relationship between the current stock price and the GF Value, GuruFocus provides the following 6 evaluations:

Posssible Evaluations	All-in-One Screener Examples (2)
Possible Value Trap, Think Twice (1)	Predictable Companies that possibly be Value Traps
Significantly Overvalued	Predictable Companies which are Significantly Overvalued
Modestly Overvalued	Predictable Companies which are Modestly Overvalued
Fairly Valued	Predictable High Quality Companies which are Fairly Valued
Modestly Undervalued (3)	Predictable High Quality Companies which are Modestly Undervalued
Significantly Undervalued (3)	Predictable High Quality Companies which are Significantly Undervalued

(1) "Possible Value Trap, Think Twice" is for the companies that look very undervalued, but either in the long term trend of business decline, or in financial distress.

(2) These are some simple examples. You can access our GF Valuation filter under All-in-One Screener’s Fundamental tab, and Price-to-GF-Value filter under Valuation Ratio tab and set your own criteria.

(3) There is only a sufficient margin of safety when the stock is undervalued.

Civista Bancshares's Price-to-GF-Value for today is calculated as

Price-to-GF-Value	=	Share Price	/	GF Value
	=	14.85	/	28.26
	=	0.53

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Civista Bancshares GF Value Related Terms

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Civista Bancshares (Civista Bancshares) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Civista Bancshares Inc (NAS:CIVB) » Definitions » GF Value

Comparable Companies

Traded in Other Exchanges

N/A

Address

100 East Water Street, P.O. Box 5016, Sandusky, OH, USA, 44870

Website

https://www.civb.com

Civista Bancshares Inc is a financial holding company. Operating through its subsidiary, it engages in the business of community banking. Its business activity involves collecting customer deposits, making loans, purchasing securities, and offering trust services to its clients. The company's loan portfolio includes commercial and agriculture, commercial real estate-owner occupied, commercial real estate non-owner occupied, residential real estate, real estate construction, and consumer loans. Majority of its revenues are derived from the interest and fees gained on loans.

Executives

Gerald B Wurm	other: Affiliate Director	100 EAST WATER STREET, SANDUSKY OH 44870
Darci L Congrove	director	756 JAEGER STREET, COLUMBUS OH 43206
Mark J. Macioce	director	10585 WYNDTREE DRIVE, CONCORD TOWNSHIP OH 44077
Nathan E Weaks	other: Subsidiary Director	1514 COUNTY ROAD 4-1, SWANTON OH 43558
Julie A Mattlin	director	6368 COOK ROAD, GUILFORD IN 47022
Allen R Nickles	director	100 EAST WATER STREET, SANDUSKY OH 44870
Lorina W Wise	director	9224 JACKIES BEND, REYNOLDSBURG OH 43068
William F Ritzmann	director	19813 LAKEVIEW DRIVE, LAWRENCEBURG IN 47025
Perfect Clyde A Jr	other: Subsidiary Director	20760 MOUNT PLEASANT ROAD, LAWRENCEBURG IN 47025
Edwards Russell L Jr	officer: Senior Vice President	3630 LUDGATE ROAD, SHAKER HEIGHTS OH 44120
Kessler Carl A Iii	officer: Senior Vice President	4529 SECRETARIAT COURT, AVON OH 44011
Curry Robert L Jr	officer: Senior Vice President	720 JASMINE AVENUE, MARBLEHEAD OH 43440-1844
Harry Singer	other: Subsidiary Director	5309 GOLFWAY LANE, LYNDHURST OH 44124
Barry W Boerger	director	12175 URBANNA WOODSTOCK PK, MILFORD CENTER OH 43045
Murray Dennis E Jr	director	2035 CEDAR POINT ROAD, SANDUSKY OH 44870