CIVB
Civista Bancshares, Inc. Financial Services - Banks - Regional Investor Relations →
Civista Bancshares, Inc. (CIVB) closed at $24.83 as of 2026-02-02, trading 36.3% above its 200-week moving average of $18.22. The stock moved further from the line this week, up from 32.6% last week. With a 14-week RSI of 72, CIVB is in overbought territory.
Over the past 1613 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 $515 million, CIVB is a small-cap stock. Return on equity stands at 9.9%. The stock trades at 0.9x book value.
Share count has increased 3.6% over three years, indicating dilution.
Over the past 31 years, a hypothetical investment of $100 in CIVB would have grown to $294, compared to $2374 for the S&P 500. CIVB has returned 3.5% annualized vs 10.8% 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.
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% | +991.5% |
| Sep 1998 | Mar 1999 | 24 | 12.0% | +6.5% | +106.6% |
| Mar 1999 | May 1999 | 6 | 3.3% | -8.3% | +102.8% |
| May 1999 | Jun 1999 | 2 | 1.8% | -15.8% | +100.0% |
| Jun 1999 | Jul 1999 | 4 | 1.6% | -19.6% | +97.4% |
| Aug 1999 | Jul 2002 | 156 | 36.7% | -27.2% | +97.4% |
| May 2004 | May 2004 | 1 | 0.2% | -3.0% | +113.4% |
| Jun 2004 | Jul 2004 | 3 | 9.7% | +6.2% | +112.6% |
| Jul 2004 | Aug 2004 | 2 | 1.0% | +2.7% | +111.8% |
| Sep 2004 | Nov 2004 | 8 | 2.6% | +1.9% | +110.9% |
| Nov 2004 | Nov 2004 | 1 | 1.0% | +1.6% | +108.2% |
| May 2005 | Aug 2005 | 14 | 16.0% | +10.1% | +136.5% |
| Aug 2005 | Jan 2006 | 22 | 14.2% | -4.0% | +100.7% |
| Feb 2006 | Mar 2012 | 317 | 67.9% | -5.5% | +94.6% |
| Dec 2018 | Dec 2018 | 2 | 1.2% | +44.4% | +81.6% |
| Feb 2020 | Feb 2021 | 50 | 38.0% | +3.5% | +55.2% |
| Feb 2021 | Mar 2021 | 1 | 0.5% | +31.7% | +49.9% |
| Mar 2023 | Oct 2024 | 86 | 25.0% | -21.4% | +40.4% |
| Apr 2025 | Apr 2025 | 1 | 0.2% | N/A | +38.0% |
| Average | 37 | — | +32.2% | — |
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 Friday close, 2026-02-02