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CIVB

Civista BancsharesB
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
The $0.77 EPS print beat the $0.70 pre-release consensus. Management attributed the quarter's stronger margin to deposit pricing, reduced higher-cost funding and asset mix; pre-provision net revenue reached $21.1 million.
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -0.5.
What can break
Brokered deposits remained $325.1 million at quarter-end; further funding-cost improvement is not assured. Company earnings release
Momentum
59
Value
62
Sentiment
58
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $30.50 · Bull $33.00 · Bear $24.00Analysis 2026-10-23; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-23 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $30.92
Why
Momentum59 · Δ7d +3.4
Value62 · Δ7d -0.5
Sentiment58 · Δ7d -5.7
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta -0.5.

Contradictions & invalidation

  • • Brokered deposits remained $325.1 million at quarter-end; further funding-cost improvement is not assured. Company earnings release
  • • No quantified forward guidance or verified post-print analyst revisions were available for this T+1 assessment.
  • • The Farmers Savings Bank merger affects year-over-year comparisons.

Catalyst clock

2026-10-30

Q3 earnings beat and immediate repricing

Lead driver: Value · See fundamentals
Momentum
59
8% active weight
Current posture
7d trendImproving
Δ7d
+3.4
Δ21d
+11.0
Value
62
47% active weight
Current posture
7d trendFlat
Δ7d
-0.5
Δ21d
-0.6
Sentiment
58
45% active weight
Current posture
7d trendSoftening
Δ7d
-5.7
Δ21d
-13.3
Why this grade

Composite grade B. Momentum 59.1 / Value 61.8 / Sentiment 58.0

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-23. Scenario method

B+
Bull case
25%
Probability
Target price
$33.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$30.50
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$24.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$587.96M
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 2026-10-23 • Updated nightlySource: Internal modelMethods & Data