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CIVB

Civista BancsharesB
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
The Q2 print supports a constructive but measured view: net income and PPNR improved year over year, NIM expanded, funding costs fell, brokered deposits declined, and loan balances grew [#SEC-8K-2026-07-23]. Secondary coverage reports one DA Davidson target increase to $33 from $31, but the packet has no verified analyst-count breadth, so this revision should not be over-weighted.
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +2.6.
What can break
CEO transition on August 28, 2026 could create execution or confidence risk.
Momentum
40
Value
63
Sentiment
69
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $30.30 · Bull $33.00 · Bear $24.00Analysis 2026-07-28; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-08 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-28 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-08

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-08. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $31.17
Why
Momentum40 · Δ7d -0.8
Value63 · Δ7d 0.0
Sentiment69 · Δ7d +2.6
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta +2.6.

Contradictions & invalidation

  • • CEO transition on August 28, 2026 could create execution or confidence risk.
  • • Credit quality is described as stable, but the packet does not provide enough detailed delinquency, reserve, or charge-off data for a strong credit thesis.
  • • Sequential net income declined, deposits fell, non-interest income weakened, and the upcoming CEO transition creates an execution checkpoint.

Catalyst clock

2026-07-23

Q2 earnings showed stronger operating momentum

Lead driver: Sentiment · See AI snapshot
Momentum
40
9% active weight
Current posture
7d trendFlat
Δ7d
-0.8
Δ21d
-9.3
Value
63
28% active weight
Current posture
7d trendFlat
Δ7d
0.0
Δ21d
+0.0
Sentiment
69
62% active weight
Current posture
7d trendImproving
Δ7d
+2.6
Δ21d
+3.5
Why this grade

Composite grade B. Momentum 39.9 / Value 62.6 / Sentiment 68.7

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-28. Scenario method

B+
Bull case
25%
Probability
Target price
$33.00
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$30.30
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$24.00
Analysis reference price unavailable
Analysis 2026-07-28 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$589.42M
Beta
0.69
Shares Out
20.78M
P/E (TTM)
8.2
P/S (TTM)
2.76
P/FCF (TTM)
11.50
Rev YoY
+4.3%
EPS YoY
-3.1%
Gross Margin
-
Op Margin
+25.1%
Net Debt
$209.25M
Current Ratio
0.07
As of 2026-09-08 • Updated nightlySource: Internal modelMethods & Data