CIVB
Civista Bancshares, Inc. Financial Services - Banks - Regional Investor Relations →
Civista Bancshares, Inc. (CIVB) closed at $21.85 as of 2026-03-20, trading 19.9% above its 200-week moving average of $18.22. The stock is currently moving closer to the line, down from 22.3% last week. The 14-week RSI sits at 39, indicating neutral momentum.
Trading volume is running at 1.8x of its 14-week average, which is in the normal range. The balance between buying and selling volume (0.85 ratio) is neutral — neither side is clearly dominating.
Over the past 1619 weeks of data, CIVB has crossed below its 200-week moving average 19 times. On average, these episodes lasted 37 weeks. Historically, investors who bought CIVB at the start of these episodes saw an average one-year return of +32.2%.
With a market cap of $453 million, CIVB is a small-cap stock. Return on equity stands at 9.9%. The stock trades at 0.8x book value.
Share count has increased 31.9% over three years, indicating dilution.
Over the past 31.1 years, a hypothetical investment of $100 in CIVB would have grown to $260, compared to $2235 for the S&P 500. CIVB has returned 3.1% annualized vs 10.5% for the index, underperforming the broader market over this period.
Free cash flow has been volatile over the past several years, making the quality of earnings harder to assess.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
Growth of $100: CIVB vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After CIVB Crosses Below the Line?
Across 19 historical episodes, buying CIVB when it crossed below its 200-week moving average produced an average return of +29.4% after 12 months (median -1.0%), compared to +16.6% for the S&P 500 over the same periods. 39% of those episodes were profitable after one year. After 24 months, the average return was +22.6% vs +22.5% for the index.
Each line shows $100 invested at the moment CIVB crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Historical Touches
CIVB has crossed below its 200-week MA 19 times with an average 1-year return of +32.2% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| May 1996 | Jun 1996 | 4 | 72.4% | +576.5% | +867.5% |
| Sep 1998 | Mar 1999 | 24 | 12.0% | +6.5% | +83.1% |
| Mar 1999 | May 1999 | 6 | 3.3% | -8.3% | +79.7% |
| May 1999 | Jun 1999 | 2 | 1.8% | -15.8% | +77.3% |
| Jun 1999 | Jul 1999 | 4 | 1.6% | -19.6% | +74.9% |
| Aug 1999 | Jul 2002 | 156 | 36.7% | -27.2% | +74.9% |
| May 2004 | May 2004 | 1 | 0.2% | -3.0% | +89.2% |
| Jun 2004 | Jul 2004 | 3 | 9.7% | +6.2% | +88.5% |
| Jul 2004 | Aug 2004 | 2 | 1.0% | +2.7% | +87.7% |
| Sep 2004 | Nov 2004 | 8 | 2.6% | +1.9% | +86.9% |
| Nov 2004 | Nov 2004 | 1 | 1.0% | +1.6% | +84.6% |
| May 2005 | Aug 2005 | 14 | 16.0% | +10.1% | +109.6% |
| Aug 2005 | Jan 2006 | 22 | 14.2% | -4.0% | +77.9% |
| Feb 2006 | Mar 2012 | 317 | 67.9% | -5.5% | +72.5% |
| Dec 2018 | Dec 2018 | 2 | 1.2% | +44.4% | +61.0% |
| Feb 2020 | Feb 2021 | 50 | 38.0% | +3.5% | +37.6% |
| Feb 2021 | Mar 2021 | 1 | 0.5% | +31.7% | +32.9% |
| Mar 2023 | Oct 2024 | 86 | 25.0% | -21.4% | +24.4% |
| Apr 2025 | Apr 2025 | 1 | 0.2% | N/A | +22.3% |
| Average | 37 | — | +32.2% | — |
Frequently Asked Questions
Is CIVB below its 200-week moving average?
No. Civista Bancshares, Inc. (CIVB) is currently 19.9% above its 200-week moving average of $18.22. It would need to fall to $18.22 to cross below the line.
What is CIVB's 200-week moving average price?
Civista Bancshares, Inc.'s 200-week moving average is $18.22 as of 2026-03-20. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when CIVB drops below its 200-week moving average?
CIVB has crossed below its 200-week moving average 19 times in our data. On average, buying at that moment produced a one-year return of +32.2%. These dips have historically been decent entry points. These episodes lasted 37 weeks on average.
Is CIVB a good value right now?
Here's what our data says about CIVB as of 2026-03-20: The stock is above its 200-week moving average, so it doesn't currently meet our primary signal. The 14-week RSI is 39. Return on equity is 9.9%. Price-to-book is 0.8x. This is not a buy or sell recommendation — always do your own research.
How does CIVB compare to the S&P 500?
Over the past 31.1 years, $100 invested in CIVB would have grown to $260, compared to $2235 for the S&P 500. That's 3.1% annualized vs 10.5% for the index. CIVB has underperformed the broader market over this period.
Does CIVB pay a dividend?
Yes. Civista Bancshares, Inc. currently pays a dividend yield of 330.00%.
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of week of 2026-03-20