Civista Bancshares Inc's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Civista Bancshares Inc (CIVB) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Civista Bancshares Inc vs Its Competitors
- TTM: Trailing 12-month revenue of 187M vs 872,487M combined for its competitors (0.0% combined share).
- Trending: Latest-quarter revenue run-rate is decelerating (-2.1% annualized vs trailing 12 months), vs accelerating (+7.7%) for its tracked peer group.
- Growth: Civista Bancshares Inc generated 13.5% revenue growth year over year in Q2 2026, vs 23.6% for its competitors combined.
- Profitability: Its 31.2% net margin compares with 28.4% for the peer group.
- Scale: Civista Bancshares Inc ranks #107 of 218 companies by market capitalization in the Regional Banks industry, holding 0.1% of industry market cap.
- Peer revenue share: Civista Bancshares Inc accounted for 0.0% of combined revenue among its tracked peer group, up from 0.0% a year earlier.
- Peer differentiation: Revenue per employee of $0.36M compares with $0.52M for the peer group (0.7x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
CIVB Sales vs. its Competitors, Q2 2026
Civista Bancshares Inc reported revenue growth of 13.50 % year on year in Q2 2026, below its competitors' combined revenue growth of 23.62 %.
With a net margin of 31.23 %, Civista Bancshares Inc achieved higher profitability than its competitors (28.35 %).
Civista Bancshares Inc generated 0.02 % of the combined sales of its peer group, up from 0.02 % a year earlier.
API endpoints for this dataset
Civista Bancshares Inc vs. its Competitors, Q2 2026
Revenue growth, year on year
Net income growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in Civista Bancshares Inc reports; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Civista Bancshares Inc and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Civista Bancshares Inc | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| Similar-Size Competitors (10) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Civista Bancshares Inc's competitor groups requires a Commercial License.
For context: the Regional Banks industry grew revenue 6.8% year over year, combined, vs 13.5% for Civista Bancshares Inc. Civista Bancshares Inc's share of combined industry revenue moved from 0.03% to 0.03%, a gain of 0.00 percentage points.
Civista Bancshares Inc's Competitor Quality Breadth
Group definitions: see Methodology: Performance Group Definitions.
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Civista Bancshares Inc | Yes | Yes | Yes | Yes |
| Competitors combined (181) | ||||
| Similar-Size Competitors (10) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
CIVB Stock Performance relative to its Competitors
CIVB Stock Performance relative to Similar-Size Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Optimumbank Holdings Inc | 282.9% | Outperformed |
| 2 | Old Point Financial Corp | 282.9% | Outperformed |
| 3 | Eagle Bancorp Inc | 282.9% | Outperformed |
| 4 | Community Ban corp | 282.9% | Outperformed |
| 5 | Lionsgate Studios Corp | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Civista Bancshares Inc's best-performing competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Civista Bancshares Inc's Comment on Competition and Industry Peers
Publicly Traded Peers of Civista Bancshares Inc
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
 Civista Bancshares Inc |
586.95 | 187.25 |
 Jpmorgan Chase and Co |
897,436.67 | 190,733.00 |
 Bank Of America Corporation |
356,921.12 | 122,968.00 |
 Wells Fargo and Company |
256,142.91 | 85,055.00 |
 Citigroup inc |
206,640.54 | 91,360.00 |
 Capital one financial corp |
123,039.77 | 54,798.00 |
| SUBTOTAL | 2,785,555.55 | 877,139.80 |
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Sources: see Methodology: Peer & Competitor Identification, Sourcing.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Civista Bancshares Inc versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Civista Bancshares Inc's Competitors Named by the Company
Competitive relationships identified from Civista Bancshares Inc reports and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| First Citizens Bancshares Inc | Company report | 85% |
| Southstate Bank Corp | Company report | 85% |
| Ohio Valley Banc Corp | Company report | 85% |
| Farmers National Banc Corp | Company report | 85% |
| Wintrust Financial Corp | Company report | 85% |
| United Bankshares Inc | Company report | 85% |
| United Bancorp Inc | Company report | 85% |
| Zions Bancorporation National Association | Company report | 85% |
| Servisfirst Bancshares Inc | Company report | 85% |
| Middlefield Banc Corp | Company report | 85% |
| Fifth Third Bancorp | Company report | 85% |
| Merchants Bancorp | Company report | 85% |
| The First Bancshares Inc | Company report | 85% |
| United Community Banks Inc | Company report | 85% |
| Peoples Bancorp Of North Carolina Inc | Company report | 85% |
| Jpmorgan Chase and Co | Company report | 85% |
| Select Bancorp inc | Company report | 85% |
| Fauquier Bankshares Inc | Company report | 85% |
| Wells Fargo and Company | Company report | 85% |
| Village Bank and Trust Financial Corp | Company report | 85% |
| Eagle Financial Services Inc | Company report | 85% |
| F and m Bank Corp | Company report | 85% |
| NORTHPOINTE BANCSHARES INC | Company report | 85% |
| Xenith Bankshares, Inc. | Company report | 85% |
| Tristate Capital Holdings Inc | Company report | 85% |
| Bar Harbor Bankshares | Company report | 85% |
| VWF Bancorp, Inc. | Company report | 85% |
| Mainstreet Bancshares Inc | Company report | 85% |
| Blue Ridge Bankshares Inc | Company report | 85% |
| Western Alliance Bancorporation | Company report | 85% |
| Old Line Bancshares Inc | Company report | 85% |
| Communityone Bancorp | Company report | 85% |
| First Horizon Corp | Company report | 85% |
| Southern Community Financial Corp | Company report | 85% |
| Entegra Financial Corp. | Company report | 85% |
| Citigroup inc | Company report | 85% |
| Uscb Financial Holdings Inc | Company report | 85% |
| Bank Of The James Financial Group Inc | Company report | 85% |
| First Community Bankshares Inc | Company report | 85% |
| Mutualfirst Financial Inc | Company report | 85% |
| First National Corp | Company report | 85% |
| Northern Trust Corporation | Company report | 85% |
| United Bancshares Inc | Company report | 85% |
| Middleburg Financial Corp | Company report | 85% |
| Bank Of Kentucky Financial Corp | Company report | 85% |
| Wesbanco Inc | Company report | 85% |
| North State Bancorp | Company report | 85% |
| Commercial Bancgroup, Inc. | Company report | 85% |
| Keycorp | Company report | 85% |
| Park Sterling Corp | Company report | 85% |
| Citizens Bancorp Of Virginia Inc | Company report | 85% |
| Huntington Bancshares Incorporated | Company report | 85% |
| Summit Financial Group Inc | Company report | 85% |
| Ameris Bancorp | Company report | 85% |
| Bank Of America Corporation | Company report | 85% |
| Yadkin Financial Corporation | Company report | 85% |
| Community bankers trust corp | Company report | 85% |
| Primis Financial Corp | Company report | 85% |
| Ohio Legacy Corp | Company report | 85% |
| John Marshall Bancorp inc | Company report | 85% |
| Atlantic Union Bankshares Corporation | Company report | 85% |
| M and t Bank Corporation | Company report | 85% |
| Carolina Financial Corporation | Company report | 85% |
| Valley National Bancorp | Company report | 85% |
| Skyline Bankshares Inc | Company report | 85% |
| Vantagesouth Bancshares, Inc. | Company report | 85% |
| Regions Financial Corporation | Company report | 85% |
| Security Federal Corp | Company report | 85% |
| Eastern Virginia Bankshares Inc | Company report | 85% |
| Us Bancorp De | Company report | 85% |
| Uwharrie Capital Corp | Company report | 85% |
| C and F Financial Corporation | Company report | 85% |
| First Community Corporation | Company report | 85% |
| Mercer Bancorp, Inc. | Company report | 85% |
| Highlands Bankshares Inc | Company report | 85% |
| Peoples Bancorp Inc | Company report | 85% |
| Camden National Corp | Company report | 85% |
| United Community Financial Corp | Company report | 85% |
| Monarch Financial Holdings, Inc. | Company report | 85% |
| Bnc Bancorp | Company report | 85% |
| Webster Financial Corporation | Company report | 85% |
| New Peoples Bankshares Inc | Company report | 85% |
| Croghan Bancshares Inc | Company report | 85% |
| Capital one financial corp | Company report | 85% |
| Richmond Mutual Bancorporation Inc | Company report | 85% |
| Ecb Bancorp Inc | Company report | 85% |
| Pnc Financial Services Group Inc | Company report | 85% |
| State Bank Financial Corp | Company report | 85% |
| Bank Of South Carolina Corporation | Company report | 85% |
| Killbuck Bancshares Inc | Company report | 85% |
| First Bancorp | Company report | 85% |
| Fvcbankcorp Inc | Company report | 85% |
| Cnb Financial Corp | Company report | 85% |
| Sb Financial Group Inc | Company report | 85% |
| Live Oak Bancshares Inc | Company report | 85% |
| Bay Banks Of Virginia Inc | Company report | 85% |
| Newbridge Bancorp | Company report | 85% |
| Capital Bank Financial Corp. | Company report | 85% |
| Palmetto Bancshares Inc | Company report | 85% |
| Csb Bancorp Inc | Company report | 85% |
Company report basis, confidence, active dates and source counts for Civista Bancshares Inc's named competitors require a Commercial License.
Methodology: see Methodology: Peer & Competitor Identification, Sourcing.
Civista Bancshares Inc's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| Citigroup inc | Markets 29.42 % |
| Capital one financial corp | Credit Card 74.32 % |
| D r Horton Inc | HomeBuildingOps 94.14 % |
| Citizens Financial Group Inc | Consumer Banking 73.64 % |
| First Citizens Bancshares Inc | Commercial Bank 46.42 % |
Source: operating segment revenue as reported in each company's reports (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
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Civista Bancshares Inc's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Civista Bancshares Inc | 587 | 355,989 | 109,490 |
| Jpmorgan Chase and Co | 897,437 | 598,825 | 204,714 |
| Bank Of America Corporation | 356,921 | 577,315 | 150,793 |
| Wells Fargo and Company | 256,143 | 355,879 | 96,699 |
| Citigroup inc | 206,641 | 404,248 | 80,004 |
| Capital one financial corp | 123,040 | 718,191 | 142,595 |
| PEERS TOTAL | 2,784,969 | 519,402 | 136,114 |
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Civista Bancshares Inc's Geographic Revenue Exposure vs Peers
Revenue by country/region as reported in each company's most recent report. Disclosure granularity varies by filer (some report by country, others by broad region) and is shown as disclosed.| Company | Largest Market |
|---|---|
| Lionsgate Studios Corp | UNITED STATES 64.70 % |
Source: revenue geography as reported in each company's reports (10-K/10-Q), via the CSIMarket API. Percentages are of that company's own total consolidated revenue for its most recent reported period.
Civista Bancshares Inc's Position in Industry Market Structure
Market-capitalization share and concentration across all 198 companies in Civista Bancshares Inc's industry classification, broader than the peer set above. Market cap in millions of $.Civista Bancshares Inc ranks #107 of 198 companies by market capitalization in its industry, holding 0.08 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 516, indicating a unconcentrated market structure (see Methodology: Market Structure & Concentration).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | Bank Of Nova Scotia | 113,512 | 15.05 % |
| 2 | Deutsche Bank Aktiengesellschaft | 69,917 | 9.27 % |
| 3 | Fifth Third Bancorp | 48,582 | 6.44 % |
| 4 | State Street Corp | 46,533 | 6.17 % |
| 5 | Ita Unibanco Holding S a | 1,234 | 5.2% |
| 6 | M and t Bank Corporation | 1,234 | 5.2% |
| 7 | Northern Trust Corporation | 1,234 | 5.2% |
| 8 | Citizens Financial Group Inc | 1,234 | 5.2% |
| 9 | First Citizens Bancshares Inc | 1,234 | 5.2% |
| 10 | East West Bancorp inc | 1,234 | 5.2% |
| 107 | Civista Bancshares Inc | 587 | 0.08 % |
Market cap and industry share for the rest of Civista Bancshares Inc's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-11-06.
Civista Bancshares Inc's Same-Size Peers & Stock Performance
Peers chosen by closeness in market-cap rank within the same industry classification (not the named-competitor list above). Trailing 12-month total return, 3-month price momentum, beta and Sharpe ratio vs the broad U.S. market.| Rank | Company | Market Cap | TTM Return |
|---|---|---|---|
| 102 | Acnb Corporation | 669 | 38.14 % |
| 103 | Midland States Bancorp Inc | 668 | 95.29 % |
| 104 | Coastal Financial Corporation | 651 | -58.91 % |
| 105 | Greene County Bancorp Inc | 615 | 58.44 % |
| 106 | First Business Financial Services Inc | 1,234 | 12.3% |
| 107 | Civista Bancshares Inc | 587 | 29.37 % |
| 108 | Unity Bancorp inc | 1,234 | 12.3% |
| 109 | Bridgewater Bancshares inc | 1,234 | 12.3% |
| 110 | Bank7 Corp | 1,234 | 12.3% |
| 111 | Bankwell Financial Group Inc | 1,234 | 12.3% |
| 112 | Choiceone Financial Services Inc | 1,234 | 12.3% |
Market cap, return, momentum, beta and Sharpe ratio for the rest of Civista Bancshares Inc's same-size peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation); returns and risk metrics as of 2026-11-06. Beta and Sharpe ratio are versus the broad U.S. equity market, not this industry.
Civista Bancshares Inc's Valuation vs Competitive Position
Valuation multiples vs the Regional Banks industry average (2 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full Regional Banks industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 9.1x | - | - |
| EV / EBITDA | 4.2x | - | - |
| P/B | 1.0x | - | - |
| Return on Equity | 0.10 % | industry aggregate | -10.78 % |
| Return on Invested Capital | - | 4.16 % (avg) | - |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Civista Bancshares Inc's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in company reports.| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | 4.65 % | 20.66 % | 24.62 % | 1.21 % | 16.93 % | 15.05 % | -5.77 % | 13.47 % |
| Operating Margin | 31.39 % | 17.58 % | 37.14 % | 34.45 % | 37.73 % | - | - | - |
| Return on Invested Capital | 5.52 % | 2.84 % | 5.42 % | 4.09 % | 5.67 % | 1.25 % | 0.83 % | 4.04 % |
| P/E | 17.2x | 21.5x | 11.3x | 8.6x | 9.3x | 5.8x | 10.2x | 8.1x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Civista Bancshares Inc's BCG Growth-Share Matrix
See Methodology: BCG Growth-Share Matrix for how relative share and growth are calculated and thresholded.
Civista Bancshares Inc falls in the Question Mark quadrant: relative market share of 0.01x vs its largest competitor, in an industry growing revenue 11.9% (median, trailing 12 months).
Source: CSIMarket API (market-cap share and industry revenue growth). The 10% growth and 1.0x share lines are standard textbook thresholds, not derived from this industry's own distribution.
Civista Bancshares Inc's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | High | Industry HHI of 516 (see Industry Market Structure & Concentration above) |
Note: see Methodology: Porter's Five Forces. Supplier power and buyer power are covered on Civista Bancshares Inc's dedicated Suppliers and Customers pages, not here.
Civista Bancshares Inc's Industry Attractiveness & Competitive Strength
See Methodology: GE/McKinsey Matrix for how the two axes are built.
Civista Bancshares Inc falls in the Medium attractiveness / Low strength cell: Harvest.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Civista Bancshares Inc's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Outperforming the U.S.A. 500 over the trailing 12 months.
Weaknesses
- Return on equity 10.8 points below the industry aggregate.
- Latest-quarter revenue run-rate is decelerating (-2.1% annualized vs trailing 12 months).
- Low relative market share vs the industry leader (0.01x).
- Piotroski F-Score of 2 or below, the standard financial-distress signal.
Opportunities
- Industry revenue growing at a healthy 11.9% median pace.
Threats
No rule matched.
Methodology: see Methodology: SWOT Analysis.
Civista Bancshares Inc's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Civista Bancshares Inc | 0.03 | 1.49 | 0.19 |
| Jpmorgan Chase and Co | 0.15 | 0.42 | 1.41 |
| Bank Of America Corporation | 0.10 | 0.52 | 1.27 |
| Wells Fargo and Company | 0.11 | 0.80 | 1.16 |
| Citigroup inc | 0.07 | 0.40 | 1.78 |
| Capital one financial corp | 0.05 | 1.03 | 0.58 |
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Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Civista Bancshares Inc's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Civista Bancshares Inc | Q2 2026 | +8.7 % | +25.5 % |
| Jpmorgan Chase and Co | Q3 2026 | +10.2 % | +9.0 % |
| Bank Of America Corporation | Q3 2026 | +3.2 % | -16.8 % |
| Wells Fargo and Company | Q3 2026 | +5.4 % | +6.9 % |
| Citigroup inc | Q2 2026 | +14.3 % | +44.6 % |
| Capital one financial corp | Q3 2026 | +29.3 % | +12.0 % |
| PEERS TOTAL | +9.1 % | +6.9 % |
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Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Civista Bancshares Inc's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Civista Bancshares Inc | Q2 2026 | +311.5 % | - |
| Jpmorgan Chase and Co | Q3 2026 | -12.8 % | - |
| Bank Of America Corporation | Q3 2026 | - | - |
| Wells Fargo and Company | Q3 2026 | +31.5 % | - |
| Citigroup inc | Q2 2026 | - | -11.6 % |
| Capital one financial corp | Q3 2026 | +7.4 % | +1.3 % |
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Civista Bancshares Inc's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Civista Bancshares Inc | 1.34% | 1.34% | 10.40% |
| Jpmorgan Chase and Co | 1.34% | 1.65% | 17.70% |
| Bank Of America Corporation | 0.93% | 1.18% | 10.69% |
| Wells Fargo and Company | 1.04% | 1.23% | 12.78% |
| Citigroup inc | 0.66% | 0.69% | 8.46% |
| Capital one financial corp | 1.61% | 1.59% | 9.69% |
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ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Civista Bancshares Inc's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Civista Bancshares Inc | 9.85 | 3.13 |
| Jpmorgan Chase and Co | 14.07 | 4.71 |
| Bank Of America Corporation | 11.79 | 2.90 |
| Wells Fargo and Company | 11.91 | 3.01 |
| Citigroup inc | 12.90 | 2.26 |
| Capital one financial corp | 11.48 | 2.25 |
| PEERS AVERAGE | 12.12 | 3.18 |
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P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.