Stock Ratings / Financials / CIVB / insiders

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

Civista Bancshares Inc. (CIVB) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$28.47 +1.03% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $28.59

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.

📊 Historical Track Record: Scores of 70/100 (B-) historically ranked in the Top 15% of excess returns over the next 90 days (+6.6% avg 90D alpha vs SPY • 68.1% hit rate) →

ROARABLE B- • BUY Cap $592.0M

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

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on CIVB Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is CIVB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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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.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does CIVB compare to UNTY and SFST in the Financials sector?

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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).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for CIVB?

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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.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — 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:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $28.59 (+0.43%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 221.4% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 70/100 (B-) historically ranked in the Top 15% of excess returns over the next 90 days (+6.6% avg 90D alpha vs SPY • 68.1% hit rate).

Audit Bucket Track Record →

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%

Deterministic 5-Pillar Attribution (70/100 Composite)

🔍 WHY CIVB SCORES 70/100 (B-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+18/20 pts (26% of score)

FRED Regime × Technicals: 83% of 52W Range • RSI-14 at 62.6 (BULLISH MOMENTUM)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (23% of score)

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

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

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

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C+$26.41+1.7% Next Q

Q2 (-2Q)

Grade C+$26.85+5.4% Next Q

Q3 (-1Q)

Grade B-$28.29+0.6% Next Q

Current

Grade B-$28.47+6.6% Hist 90D α

Trajectory: C+ (62) → B- (70)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the CIVB Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 70/100 (B-) 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) — 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 ($27.21) or 200D SMA ($25.85) invalidates the momentum regime and cuts Target Base ($30.01) toward Bear Floor ($23.35).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CIVB• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “CIVB Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 70%NO 30%Trade / Inspect Odds →

SEC FORM 4 × 13F HEDGE FUNDS × CONGRESSIONAL STOCK ACT

CIVB Smart-Money Thermometer: HEAVY INSIDER & 13F ACCUMULATION

Explore All 13F & Congress Whales →

▲ Disclosed Buys: 0 ($0)▼ Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (CIVB)

No recent open-market Form 4 cluster sales or emergency dumps flagged on CIVB. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (CIVB Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

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?

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

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

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

Are CIVB insiders and hedge funds buying or selling?

Roarable's SEC Form 4 and 13F Whale Thermometer currently classifies CIVB leadership and institutional positioning as: HEAVY INSIDER & 13F ACCUMULATION.

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