Three independent discounted-cash-flow-style models value Civista Bancshares, Inc. every trading day. 0 of 3 currently price CIVB above its market price.
| Free Cash Flow model | $-21.93 |
| Excess Profit model | $21.67 |
| Residual Earnings model | $6.89 |
| Dividend Discount model | $11.14 |
| Piotroski F-Score | 4 / 9 |
| Return on invested capital | +8.0% |
| Net debt / EBITDA | -1.4× |
| Gross margin | +100.0% |
| Revenue CAGR | -8.1% |
| Cash conversion | 0.9× |
| Dividend yield | +2.6% |
| Buyback yield | -13.2% |
These are StockKitty's default assumptions. In the app, the models recompute live as you adjust growth, discount rates, and margins — and the AI explains the bull case, bear case, and quality picture.
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