Definitive Analysis
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Definitive Analysis

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Civista Bancshares, Inc. (CIVB)

Company Dividend Discount ModelIndustry: Banks - RegionalSector: Financial Services

Valuation Snapshot

Stable Growth$92.13 - $499.14$167.11
Multi-Stage$54.89 - $60.03$57.41
Blended Fair Value$112.26
Current Price$20.31
Upside452.74%
DecisionBuy

Dividend History & Growth Metrics (10Y)

Metric5Y CAGR10Y CAGR2024202320222021202020192018201720162015
DPS6.94%11.67%0.640.610.540.510.450.460.300.230.210.20
YoY Growth--4.83%13.02%5.69%12.90%-1.06%51.48%28.98%13.15%3.66%-5.96%
Dividend Yield--3.28%4.11%3.20%2.12%1.97%3.06%1.42%1.03%0.93%1.94%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)
Net Income To Common (M)43.84
(-) Cash Dividends Paid (M)11.07
(=) Cash Retained (M)32.76
MetricLOWBASEHIGH
Required Retention Ratio20.0%12.5%7.5%
(=) Cash Required (M)8.775.483.29
Cash Retained (M)32.7632.7632.76
(-) Cash Required (M)-8.77-5.48-3.29
(=) Excess Retained (M)24.0027.2829.48
(/) Shares Outstanding (M)15.7115.7115.71
(=) Excess Retained per Share1.531.741.88
LTM Dividend per Share0.700.700.70
(+) Excess Retained per Share1.531.741.88
(=) Adjusted Dividend2.232.442.58
WACC / Discount Rate8.06%8.06%8.06%
Growth Rate5.50%6.50%7.50%
Fair Value$92.13$167.11$499.14
Upside / Downside353.64%722.80%2,357.59%

Multi-Stage Model: Projections

(USD in Millions)
MetricTTMDec-27Dec-28Dec-29Dec-30Dec-31Terminal
Net Income (M)43.8446.6949.7252.9556.3960.0661.86
Payout Ratio25.26%38.21%51.15%64.10%77.05%90.00%92.50%
Projected Dividends (M)11.0717.8425.4333.9443.4554.0557.22

Multi-Stage Valuation

MetricLOWBASEHIGH
WACC / Discount Rate8.06%8.06%8.06%
Growth Rate5.50%6.50%7.50%
Year 1 PV (M)16.3516.5116.66
Year 2 PV (M)21.3821.7822.19
Year 3 PV (M)26.1526.9027.67
Year 4 PV (M)30.6931.8733.09
Year 5 PV (M)35.0036.6938.45
PV of Terminal Value (M)732.89768.29805.04
Equity Value (M)862.47902.05943.10
Shares Outstanding (M)15.7115.7115.71
Fair Value$54.89$57.41$60.03
Upside / Downside170.28%182.68%195.55%

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