Stock Ratings / Financials / CIVB / options

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

Civista Bancshares Inc. (CIVB) Options Positioning, Max Pain & Unusual Sweeps

$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

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 →

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±4.7%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (CIVB)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for CIVB.

Sponsored / Partner SpotlightACTIVE TRADER & PROP EVALUATION DESK

Practice in Our Weekly $100,000 Paper Arena Before Risking Personal Capital

Keep your personal nest egg in cash while trading NQ, ES, Crude, and Gold momentum using institutional prop-desk buying power.

FTC Disclosure: Roarable may receive partner referral compensation at no cost to you. Partner relationships never influence RQD scores.

🏆 Enter Free $100K Paper Arena →

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

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?

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

What is CIVB's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for CIVB.

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