Stock Ratings / Financials / CIVB / earnings

UNTY (67) SFST (63) FBIZ (64) BWB (53) ⌘ Pro Terminal →

Civista Bancshares Inc. (CIVB) Next Earnings Date & Expected ±4.7% Move

$28.47 +1.03% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

Civista Bancshares Inc. (CIVB) earns a Roarable Rating of B- (Buy) with 70/100 RQD Confidence. High-quality cash engine (steady margins, 9% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

ROARABLE B- • BUY Cap $592.0M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERBUY • B-

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

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

5-PILLAR SNOWFLAKE RADARRw C · Rk B+

Each axis scored 0–20

12M PRICE TARGET CONE+5.4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CIVB)Realized 20D OHLCV Swing Band: ±4.7%

NEXT EST. WINDOW: Dec 30, 2026 (~58 DAYS)

Historical OHLCV Volatility ±4.7% Swing Band

±$1.34 Expected Swing

MODEL EARNINGS SETUP GAUGE

CIVB Quantitative Pre-Earnings Setup: 70/100

Trailing EPS: $2.22 • YoY Revenue Growth: -0.5%

Model Bullish Setup (70/100)Model Risk Weight (30/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$19.0M	$46.2M	$42.1M	52%
FY 2024	2024-12-31	$19.1M	$31.7M	$44.1M	52%
FY 2023	2023-12-31	$30.4M	$43.0M	$62.7M	52%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating CIVB & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on CIVB
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

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CIVB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +14.48%📐 HORIZONTAL RANGE

2026-10-30O $28.62H $28.98L $28.10C $28.47VOL 104.4K

RES: $31.66SUP: $25.82SMA50: $27.21SMA200: $25.85

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

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

🦋 CIVB Butterfly Map → + Track CIVB →

Share Count & Dilution Monitor (#25)

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

Reverse-DCF Expectations Hurdle (#30)

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 (#33)

No active Ellis Vennor swing setup published on CIVB today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

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 →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CIVB)

Financials Rank #153 of 1096 ⚔️ UNTY vs CIVB Full Matrix →

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

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Civista Bancshares Inc. (CIVB) ranks #153 by composite RQD confidence (70/100, grade B-) and #670 by equity capitalization ($592.0M). 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 — gross margin. CIVB currently leads its immediate peer cohort in composite quantitative strength at 70/100 (B-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
CIVB ACTIVE Civista Bancshares Inc.	B-	70/100	12.8x	—	8.5%	+1.03%	$592.0M	Benchmark Subject
UNTY Unity Bancorp Inc.	C+	67/100	10.1x	—	16.8%	+0.64%	$583.5M	/unty-vs-civb →
SFST Southern First Bancshares Inc.	C	63/100	19.0x	—	8.2%	-0.18%	$576.5M	/sfst-vs-civb →
FBIZ First Business Financial Services Inc.	C	64/100	12.3x	—	13.5%	+1.39%	$617.2M	/fbiz-vs-civb →
BWB Bridgewater Bancshares Inc.	D+	53/100	12.3x	—	8.9%	-0.24%	$567.2M	/bwb-vs-civb →

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

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000944745

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	—
FY2024 (FY)	2024-12-31	$19.1M	$31.7M	$48.2M	$44.1M	$4.10B	—
FY2023 (FY)	2023-12-31	$30.4M	$43.0M	$62.7M	$62.7M	—	—

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

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

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

As of 2026-11-01, Civista Bancshares Inc. (NASDAQ: CIVB) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 70/100 at a spot price of $28.47 (+1.03% 1D, market cap $592.0M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 18/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, CIVB ranks #153 in composite RQD confidence.

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

Within the Financials sector (Major Banks), CIVB carries a Roarable B- (70/100 RQD), trailing P/E of 12.8x, gross margin of —, and ROIC of 8.5%. By comparison, UNTY (Unity Bancorp Inc.) holds a C+ grade (67/100 RQD, P/E 10.1x, ROIC 16.8%, cap $583.5M) and SFST (Southern First Bancshares Inc.) posts a C grade (63/100 RQD, P/E 19.0x, ROIC 8.2%, cap $576.5M). 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 $28.47 (+1.03% on volume of 201,623 shares), positioning the stock +4.63% above its 50-day simple moving average ($27.21) and +10.14% above its 200-day simple moving average ($25.85). Across its 52-week range of $21.10 to $29.97, CIVB sits at the 83.1% percentile with a 14-day RSI of 62.6 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.7% ($27.13 to $29.81).

CIVB Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

When is CIVB's next earnings date?

Based on SEC filing cadence, Civista Bancshares Inc. (CIVB)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is CIVB stock expected to move on earnings?

Volatility modeling currently projects a ±4.7% event move for CIVB, spanning a range between $27.13 and $29.81.

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