CIVB Civista Bancshares, Inc.

XNAS 26.75 Delayed
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Stock quote, options chain, IV rank, technicals, AI analysis, and institutional ownership. Iron condor setups Expected move IV rank history Fibonacci levels Insider trading

Market data may be delayed, incomplete, or inaccurate. Not a recommendation to buy, sell, or hold any security. Verify quotes with your broker before trading. See Terms §17.

CIVB $26.75 —
Key stats
$26.75
52-Week Range
$20.83 – $29.97
YTD
+22.26%
IV Rank (30D)
56.52
Straddle Price
$3.38
P/C Vol Ratio
0.60
Market Cap
$0.6B
Open
$26.96
Day Range
$26.61 – $26.96
Volume
90,953
Prev Close
$26.91
Fair Value
MODEL: LONG

A blended fair-value estimate combining up to six valuation methods. Each method is weighted by how well it fits the company — DCF down-weights for unprofitable names; DDM only fires for steady dividend payers; comparables down-weight when peer multiples disagree.

  • DCF (quality-aware) — projects free cash flow with a horizon that scales to business quality. True compounders (quality 6/6) get 10 years explicit + 10 years fade before terminal; cyclical/struggling names (quality 0-1) get a 5-year terminal cliff. Quality is scored from ROE, gross margin, growth, FCF margin, debt load, and FCF consistency — the same factors that drive market premium for compounders.
  • Market-Implied Growth (in Model Inputs) — reverse-DCF that answers "what growth rate is the market pricing in?". Lets you sanity-check the deviation: if implied growth is plausible for the business, the model's bearish flag may be wrong; if implausible, the market may be over-extrapolating.
  • DDM (Gordon Growth Dividend Model) — values the stream of future dividends. Only used when trailing yield ≥ 2% and dividend payments are stable — below that the dividend is a token payout and Gordon (which values only the dividend stream) systematically underprices growth names, so those route to DCF + comparables + market anchor instead.
  • P/E, EV/EBITDA, P/B, P/S — applies the peer-group median multiple to this company's per-share metric. Peers come from the same set as the "Related symbols" card. Earnings/sales metrics are forward-tilted by the company's recent revenue growth (capped at 25%) so they're comparable to peers' growth-embedded multiples — mimics how analysts use NTM rather than TTM. Per-multiple weights are biased by company quality (e.g. P/B down-weighted for asset-light tech).
  • Market Anchor (SMA50) — the 50-day moving average, weighted by recent trading-range stability (tighter Bollinger bands → higher weight). Captures information fundamentals miss (forward consensus, sentiment, supply/demand) — but only when recent trading is steady enough that the market has converged on a view. During wild breakouts or breakdowns the anchor's weight collapses.
  • Options Expected (B-L 30d) — the risk-neutral expected stock price at 30-day options expiration, derived from the full implied-volatility surface via Breeden-Litzenberger (second derivative of call price wrt strike → implied PDF, then E[S_T]). Forward-looking, captures all options-implied information (smile, skew, term structure) in one number. Weighted by chain liquidity. SP500-only at present (pre-computed daily). Backtest evidence: adds modest alpha across most bucket × holding combos.
  • Blended value — weighted average. Confidence reflects how many methods fired and how tight peer dispersion is.
  • Deviation pill — green when blended FV ≥ 10% above current price (undervalued); red when ≥ 10% below; grey otherwise.
10-yr Treasury (rf)5.15%
Beta vs SPY0.73
Cost of Equity (CAPM)8.80% (VRP-adj)
WACC8.24%
Volatility Risk Premium+55.1pp (IV − HV30)
Effective Tax Rate16.8%
Rev. Growth (YoY, DCF input)+3.8%
DCF Horizon12 years explicit + fade
Forward Tilt (NTM/TTM)×1.04 (applied to P/E, EV/EBITDA, P/S)
Free Cash Flow (TTM)$0.1B
Return on Equity (TTM)9.6%
Book / Price114.0% — banking bias active (P/B is primary)
Bank Quality Adj×0.89 (target ROE vs peer median)
Gross Margin (TTM)69.3%
FCF Margin (TTM)22.1%
Debt / Equity0.19
Quality Score4/6 — high quality (12y DCF)
Market-Implied Growth-8.2% (reverse-DCF on current price)
SMA 50$27.21 (Market Anchor value)
SMA 20 / Bollinger Mid$26.73
Bollinger Width / SMA2011.0% (drives anchor stability)
Net Debt$0.0B
Market Cap$0B
Peers used for multiples: ADAM, CTO, FISI, IBCP, ORRF, SHBI, WASH (filtered from 8 ETF-co-members; sector bias active)
60-Day Conviction
72%
20-Day Fair Value
≈ by Nov 20, 2026
$26.91
α +0.6% rank 45%
conviction
40%
40-Day Fair Value
≈ by Dec 21, 2026
$27.13
α +1.4% rank 54%
conviction
46%
60-Day Fair Value
≈ by Jan 19, 2027
$27.37
α +2.3% rank 49%
conviction
72%
MethodImplied PriceWeightDetail
DCF $60.15 22%
DDM (Gordon) $14.70 17%
Peer P/E $28.26 7% median 11.2× · 7 peers
Peer EV/EBITDA n/a 0% median 10.3× · 6 peers
Peer P/B $37.80 10% median 1.2× · 7 peers
Peer P/S $29.86 3% median 2.3× · 6 peers
Market Anchor (SMA50) $27.21 41% stability 95% (BB-width)
Options Expected (B-L 30d) $27.25 0% 7 strikes · skew -0.36
As of 2026-10-22 · updated
About
Industry (SIC)
STATE COMMERCIAL BANKS (6022) · industry map
Exchange
XNAS
Market Cap
$0.6B
Employees
549
List Date
1994-04-06
CIK
0000944745
Next Earnings
2026-10-22 (Pre-Market)
EPS Forecast
$0.70 (4 est.)
Headquarters
Sandusky, OH
Homepage
https://www.civb.com

Civista Bancshares Inc is a financial holding company. Operating through its subsidiary, it engages in the business of community banking. Its business activity involves collecting customer deposits, making loans, purchasing securities, and offering trust services to its clients. The company's loan portfolio includes commercial and agricultural, commercial real estate-owner occupied, commercial real estate non-owner occupied, residential real estate, real estate construction, and consumer loans. The majority of its revenues are derived from the interest and fees gained on loans.

Summary
—
composite
—
No summary data available for this symbol yet.

Each spoke is this symbol's rank within its sector (0–100; the dotted ring marks the sector median at 50). Higher is more constructive for a long. One spoke — News sentiment — is an absolute reading, not a sector rank. Grayed spokes have no data. A fuller shape is a summary, not a recommendation.

Chart
Seasonality
'21'22'23'24'25'26Avg
Jan-3.73%-2.23%0.84%-7.02%8.19%10.28%1.05%
Feb4.97%1.16%-2.74%-10.38%-1.39%-3.29%-1.95%
Mar10.29%1.69%-22.39%2.53%-6.28%-3.19%-2.89%
Apr-0.09%-14.60%-6.70%-4.03%14.73%7.90%-0.46%
May2.46%5.07%-3.42%0.35%0.80%3.31%1.43%
Jun-7.06%1.05%17.81%8.70%6.18%10.41%6.18%
Jul2.51%0.98%4.77%20.88%-17.57%0.48%2.01%
Aug3.07%-3.82%-6.96%0.53%9.51%-7.60%-0.88%
Sep0.04%-2.67%-9.91%3.48%-3.15%-2.19%-2.40%
Oct1.39%12.86%-5.87%16.33%6.69%0.68%*5.35%
Nov-6.22%-3.50%7.78%12.38%5.33%--3.15%
Dec1.71%-3.51%12.99%-7.80%-2.76%--0.13%
Total8.39%-9.41%-18.66%35.56%17.30%16.18%8.23%
Technical Indicators

Quick-reference for reading the values below. Indicators combine to confirm a view — no single one is a trade signal on its own.

Trend Indicators
  • SMA 20 / 50 / 200 — price above = uptrend, below = downtrend. SMA 50 crossing SMA 200 is the golden/death cross.
  • EMA 12 / 26 — faster-reacting averages; 12 above 26 is short-term bullish.
  • MACD — bullish when MACD > signal (green badge), bearish when below. Divergence from price often precedes reversals.
  • ADX (14) — trend strength regardless of direction. <20 range, 20–25 weak trend, 25–50 trend, >50 strong trend.
  • +DI / −DI — +DI > −DI favors bulls; the reverse favors bears. Read alongside ADX.
Momentum Oscillators
  • RSI (14) — <30 oversold, >70 overbought. 40–60 is neutral; trending names can stay extreme.
  • Stochastic %K / %D — <20 oversold, >80 overbought. %K crossing %D is an early momentum signal.
  • Williams %R — inverted scale: <−80 oversold, >−20 overbought.

Oscillators work best in range-bound markets; in strong trends they give premature reversal signals.

Volume & Volatility
  • Bollinger Bands — price at upper band = overbought, lower = oversold. Narrow bands (squeeze) often precede expansion.
  • OBV — cumulative volume; rising OBV confirms uptrend, falling OBV confirms downtrend. Divergence from price is a warning.
  • Vol SMA 20 / Vol ROC — today's volume vs. 20-day average. Positive ROC with price move = conviction.
  • ATR / True Range — average daily $ move; sizing and stop-loss reference.
  • HV 20 / 30 / 60 — realized (historical) volatility. Compare to IV on the options cards: IV > HV = rich premium.

Confluence matters: trend + momentum + volume agreeing carries far more weight than any single indicator. For how these feed the spread scanner score, see the algorithm docs →

Trend Indicators

SMA 20: $26.73
SMA 50: $27.21
SMA 200: $25.64
Current: $26.75
EMA 12: $26.76
EMA 26: $26.88
MACD: -0.1233 | Signal: 0.0515
BEARISH
ADX (14): 19.82
RANGE
+DI: 22.87
−DI: 18.13

Momentum Oscillators

RSI (14): 47.37
NEUTRAL
Stoch %K: 56.31
Stoch %D: 58.80
Williams %R: -51.61

Volume & Volatility

BB Upper: $27.13
BB Lower: $26.34
NEUTRAL
OBV: 1,028,453
Vol SMA 20: 115,432
Vol ROC: -9.53%
ATR: $0.56
True Range: $0.35
HV 20: 16.3%
HV 30: 15.1%
HV 60: 14.8%

Data Summary

Data Points: 500
Last Updated:
Date Range: 2024-10-23T00:00:00 – 2026-10-21T00:00:00
AI Analysis

Click Frenzy-Pro™ for an AI analysis of this ticker.

Analysis includes technical indicators, news sentiment, risk assessment, and specific price levels to watch.

News
All CIVB news →
Earnings History
14 of 14 under expected move
Avg Expected Move
15.76%
Avg Actual Move
4.13%
Each row pairs the pre-earnings straddle-implied expected move with the realized close-to-close move. Sorted oldest first.
Earnings Date Timing Expected Move Actual Move Ratio Outcome
2022-02-04 Pre-Market 8.59% 1.51% 0.18x Within
2023-07-28 Pre-Market 8.02% 2.36% 0.29x Within
2023-10-27 Pre-Market 13.92% 4.86% 0.35x Within
2024-02-08 Pre-Market 10.91% 1.56% 0.14x Within
2024-04-30 Pre-Market 12.25% 3.38% 0.28x Within
2024-07-29 Pre-Market 13.30% 8.06% 0.61x Within
2024-10-29 After-Close 25.61% 8.06% 0.31x Within
2025-01-30 After-Close 14.96% 3.13% 0.21x Within
2025-04-24 Pre-Market 24.06% 0.34% 0.01x Within
2025-07-11 Pre-Market 15.91% 13.66% 0.86x Within
2025-10-23 Pre-Market 23.20% 1.25% 0.05x Within
2026-01-29 Pre-Market 16.85% 5.75% 0.34x Within
2026-04-22 Pre-Market 15.36% 3.41% 0.22x Within
2026-07-23 Pre-Market 17.75% 0.43% 0.02x Within

Earnings calendar: this week’s reports with expected vs actual moves →

CIVB Options Activity & IV Rank

CIVB IV rank history, 52-week IV rank and IV percentile →

Volatility Metrics

Current IV: 41.2%
7-DTE IV: —
Expected Move: $3.38
7-DTE Move: $3.38
Days to Exp: 30 (2026-11-20)

Options Flow

Call Volume: 5
Put Volume: 3
P/C Volume: 0.6
BULLISH
Call OI: 18
Put OI: 6
P/C OI: 0.333
Total OI: 24

ATM Options Pricing

ATM Call: $2.50
ATM Put: $0.88
Call %: 9.3%
Put %: 3.3%

Chain Summary

Chain Volume: 19
Chain OI: 61
Last Updated: 10/21/2026
Spread Scanner GPU
Full Algorithm Docs ↗

Each spread is ranked by a composite score built in three stages. Full documentation →

Stage 1 — Base Score (GPU scanner)

score = P(profit) × (credit / spread_width)
P(profit) from short leg delta (1 − |delta|), penalised above 85%. Credit uses mid-price to handle illiquid chains fairly.

Stage 2 — Skew Adjustment (±25% cap)

RR and BF (30-delta) from the persisted per-symbol skew snapshot — wing strikes picked by real greeks.delta, not a moneyness proxy. Put skew boosts bull puts, penalises bear calls. High butterfly boosts iron condors. Calendars are skew-neutral.

Stage 3 — Technical Overlay (±50% cap, 5 groups)
Group 1 · Directional Bias (±0.25)
  • RSI <40 bullish / >60 bearish
  • MACD crossover + histogram trend
  • Price vs SMA 50 & SMA 200
Group 2 · Momentum (±0.10)
  • Stochastic %K <20 / >80
  • Williams %R <−80 / >−20
Group 3 · Volatility (up to −0.25 / +0.15)
  • Blended ATR + straddle expected-move penalty
  • Bollinger Band signal (+ counter-trend penalty)
  • BB width — vol contraction boost for ICs
Group 4 · IV Regime (±0.15)
  • IV rank ≥ 75 → strong boost for credit spreads
  • IV rank < 25 → penalty (selling cheap vol)
Group 5 · Liquidity (penalty up to −0.10)
  • Min open interest across all legs
  • OI < 100 → −0.10 · OI < 500 → −0.05

score = base_score × skew_multiplier × tech_multiplier
Both multipliers are shown per spread. Beta is informational only — ATR already captures realized vol. Full algorithm documentation →

Enter a ticker to scan for optimal spread opportunities.

Evaluates all bull put, bear call, iron condor, and calendar spread combinations using GPU-accelerated analysis.

Skew (Wing IV − ATM IV)
DTE:
Wing Δ:
Metric:
Wing vs ATM
IV(put wing) − IV(ATM), in vol points

How much the OTM put trades above (or below) the at-the-money strike. Measures the height of the put-side tail relative to ATM — i.e. how expensive crash insurance is on this name.

  • Positive (typical) — wing IV > ATM IV. Standard equity put skew: portfolios bid up crash protection, so OTM puts trade richer than ATM.
  • Near zero or negative (unusual) — wing IV ≤ ATM IV. Flat or inverted put side. Common when there's no fear demand, in tightly mean-reverting names, or right after an earnings catalyst clears.
  • Percentile vs own 3-yr history: high = wings rich (good time to sell wing premium); low = wings cheap (good time to buy protection).
  • Not directional — high or low wings don't predict up or down moves. It's a price tag on tail insurance, not a forecast.
Risk Reversal
IV(call wing) − IV(put wing), equal delta on each side

Which side of the smile is the market paying up for? Measures the tilt of the surface — call skew vs put skew at matched deltas.

  • Negative (typical) — puts richer than calls. Standard equity behavior: hedging demand makes puts carry a premium. Most large-caps sit in the −1 to −5 vol-point range.
  • Strongly negative (< −5 pts) — heavy downside hedging, elevated fear, or an upcoming catalyst (earnings, FDA, macro event). Worth flagging.
  • Positive — calls richer than puts. Unusual for equities; signals bullish momentum, short-squeeze positioning, or takeover/M&A speculation.
  • Near zero — symmetric surface. Market sees roughly equal up/down risk. Rare for large-caps; more common in commodities and FX.
Reading them together

Wing-vs-ATM tells you how expensive the tails are. Risk Reversal tells you which side is favored. Combined:

  • High wing percentile + deeply negative RR → strong put bid; stress or major event priced in. Owning protection costs a premium; selling put premium is dangerous.
  • Low wing percentile + near-zero RR → complacency; insurance cheap and balanced. Good environment to add cheap downside hedges.
  • Positive RR + elevated wings → call-side fear-of-missing-out; common in squeeze setups. Upside calls expensive, downside puts not bid.
14 DTE / 10d —
— pts EXTREME
as of Oct 21 · No data
30 DTE / 10d —
— pts EXTREME
as of Oct 21 · ATM 37.6% / Wing —

Percentile is the rank of today's reading within ~3 years of this symbol's own history. High percentile = wings are rich relative to history; not a directional signal. Skew is read off the chain in real time, not from CBOE SKEW.

Volatility Surface

Enter a ticker to render the implied volatility surface.

Volatility Smile

Enter a ticker to render the implied volatility smile.

IV Rank (7 DTE)
IV Rank (30 DTE)56.5MediumOct 21
Straddle Price (30 DTE)$3.38Oct 21
Beta Analysis

Risk Metrics

Beta: 0.3137
Alpha: 23.22%
Correlation: 0.1754
R-Squared: 3.1%
Stock Volatility: 22.7%
Market Volatility: 12.7%

Analysis Details

Benchmark: SPY
Data Points: 251
Period: 252 trading days
Interpretation:
Low volatility - stock moves less than market
Beta & Alpha Over Time
Notable investors who own CIVB
3 of 37 tracked investors
InvestorValueShare of their portfolioRankQ/Q sharesSource
Renaissance Technologies Hedge fund
Jim Simons
$1.0M
0.00%
#2289 of 3138-28.9%13F
Citadel Hedge fund
Ken Griffin
$642K
0.00%
#4200 of 6285+51.5%13F
Rockefeller Capital Management Family office
Rockefeller family
$15K
0.00%
#3832 of 4729-53.0%13F

Hedge funds, activists, holding companies and family offices we track, from their latest 13F (quarter-end value) and Form 4 filings in the last 3 years. Family offices · all institutions

CIVB Institutional Ownership (13F)

Latest filings — 2026-09-30
Diluted shares outstanding: 18,114,749 (as of 2026-03-31)

Institutional managers with $100M+ AUM file Form 13F-HR quarterly, due 45 days after quarter end. Holdings are reported gross at quarter-end market value — they are a snapshot, not a real-time position.

  • Shares — long equity positions in this name, aggregated across share classes.
  • Calls / Puts — notional value of long call / put exposure where this ticker is the underlying.
  • % of Float — holder's reported shares divided by the latest diluted shares outstanding. Sums above 100% indicate large custodian / prime broker positions where the same shares are reported by multiple filers.
  • Custodian badge — filers with more than 5,000 holdings are typically broker-dealers / custodians reporting customer-held shares, not active managers.

Each filer is counted once at its latest 13F-HR filing. New filings are ingested on a weekly cadence.

152 filers14,754,789 shares$404.21M value81.45% of float
# Filer Shares Value % of Total % of Float Period
1 BlackRock, Inc. Custodian 1,702,436 $48.04M 11.89% 9.40% 2026-06-30
2 Wellington Management Group LLP Custodian 1,259,065 $35.53M 8.79% 6.95% 2026-06-30
3 Dimensional Fund Advisors LP Custodian 1,025,247 $28.93M 7.16% 5.66% 2026-06-30
4 Vanguard Capital Management LLC 885,162 $24.98M 6.18% 4.89% 2026-06-30
5 Vanguard Group Inc Custodian 1,100,992 $24.46M 6.05% 6.08% 2025-12-31
6 AllianceBernstein L.P. 899,109 $20.49M 5.07% 4.96% 2026-06-30
7 The Manufacturers Life Insurance Company 570,879 $16.11M 3.99% 3.15% 2026-06-30
8 State Street Corp 555,485 $15.68M 3.88% 3.07% 2026-06-30
9 Geode Capital Management, LLC Custodian 548,033 $15.47M 3.83% 3.03% 2026-06-30
10 ENDEAVOUR CAPITAL ADVISORS INC 516,376 $14.57M 3.60% 2.85% 2026-06-30
11 ROYCE & ASSOCIATES LP 391,417 $11.05M 2.73% 2.16% 2026-06-30
12 Vanguard Portfolio Management LLC 290,834 $8.21M 2.03% 1.61% 2026-06-30
13 HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC 275,008 $7.76M 1.92% 1.52% 2026-06-30
14 MENDON CAPITAL ADVISORS CORP 268,279 $7.57M 1.87% 1.48% 2026-06-30
15 Curi Capital, LLC 251,090 $7.09M 1.75% 1.39% 2026-06-30
16 American Century Companies, Inc. 221,567 $6.25M 1.55% 1.22% 2026-06-30
17 Goldman Sachs Group Inc Custodian 206,717 $5.83M 1.44% 1.14% 2026-06-30
18 Northern Trust Corp Custodian 192,051 $5.42M 1.34% 1.06% 2026-06-30
19 AQR Capital Management, LLC Custodian 168,561 $4.76M 1.18% 0.93% 2026-06-30
20 BEESE FULMER INVESTMENT MANAGEMENT, INC. 156,384 $4.41M 1.09% 0.86% 2026-06-30
21 Morgan Stanley Custodian 152,368 $4.30M 1.06% 0.84% 2026-06-30
22 Vanguard Fiduciary Trust Co 137,585 $3.88M 0.96% 0.76% 2026-06-30
23 RITHOLTZ WEALTH MANAGEMENT 136,518 $3.85M 0.95% 0.75% 2026-06-30
24 Summit Financial Strategies, Inc. 142,614 $3.76M 0.93% 0.79% 2026-09-30
25 Stieven Capital Advisors, L.P. 126,953 $3.58M 0.89% 0.70% 2026-06-30
# Filer Notional Value % of Total Period
# Filer Notional Value % of Total Period

CIVB Insider Trading (Form 4)

Latest: 2026-09-24
Form 4 filings — insider beneficial-ownership changes by officers, directors, and 10%+ holders. Filed within 2 business days of transaction.
Filed Reporter Role Action Shares Avg Price Net $ Link
2026-09-24 Charles A. Parcher President Buy (P) +400 $26.75 $10.7K EDGAR
2026-08-07 Veronica G Doucette SVP/Human Resources Officer Disp (D) −528 $28.47 -$15.0K EDGAR
2026-08-07 Veronica G Doucette SVP/Human Resources Officer Disp (D) −528 $28.47 -$15.0K EDGAR
2026-07-29 Mark J. Macioce Director Disp (D) −57 $29.48 -$1.7K EDGAR
2026-06-10 Lorina W Wise Director Award (A) +1,210 — EDGAR
2026-06-10 Julie A Mattlin Director Award (A) +1,210 — EDGAR
2026-06-10 Mary Patricia Oliver Director Mixed +1,321 — EDGAR
2026-06-10 Harry Singer Director Mixed +1,347 — EDGAR
2026-06-10 Mark J. Macioce Director Mixed +1,253 — EDGAR
2026-06-10 Nathan E Weaks Award (A) +1,210 — EDGAR
2026-06-10 Clyde A Perfect Jr Award (A) +1,210 — EDGAR
2026-06-10 Darci L Congrove Director Award (A) +1,210 — EDGAR
2026-06-10 Gerald B Wurm Mixed +3,326 — EDGAR
2026-04-01 Veronica G Doucette SVP/Human Resources Officer Award (A) +908 — EDGAR
2026-03-13 Ian Whinnem SVP/CFO Award (A) +2,313 — EDGAR
Codes: P = open-market purchase · S = open-market sale · A = grant/award · M = option exercise · F = tax withholding at vest · G = bona-fide gift · D = disposition to issuer · J = other (described in filing footnote — typically 401(k), trust, inheritance) · W = will/inheritance. Only P / S codes carry directional signal.

CIVB Insider Holdings

22 insiders · @ $26.75
Officers, directors, and 10%+ owners who have filed a Form 4 in the past two years, ranked by current disclosed exposure (shares × today's price). Shares are direct + indirect (via trusts / LLCs / spouse). Excludes unvested RSU and option grants — those aren't beneficially owned until vest.
# Insider Role Shares Disclosed Exposure Lifetime OM Net Filings Last Filed
1 Dennis G Shaffer CEO 52,547 $1.41M $21.2K 8 2026-03-13
2 Gerald B Wurm 46,515 $1.24M $348.8K 14 2026-06-10
3 Richard J Dutton Senior Vice President 29,583 $791.4K $85.0K 11 2026-03-13
4 Charles A. Parcher President 28,979 $775.2K $46.4K 10 2026-09-24
5 Dennis E Murray Jr Director 24,546 $656.6K $14.6K 8 2025-05-14
6 Nathan E Weaks 15,832 $423.5K $188.6K 12 2026-06-10
7 Julie A Mattlin Director 14,679 $392.7K $84.1K 10 2026-06-10
8 Harry Singer Director 14,311 $382.8K $71.8K 11 2026-06-10
9 Robert L Katitus SVP/CLO 8,463 $226.4K $0 1 2026-03-13
10 Mary Patricia Oliver Director 7,641 $204.4K $0 7 2026-06-10
Lifetime OM Net = signed sum of open-market buys (P) and sells (S) over their career; excludes grants, tax withholdings, and dispositions to issuer. A large negative number is normal for long-tenured executives — they've sold compensation grants over many years.

CIVB Board & Officers

As of SEC filings through Sep 25, 2026

Directors 7

Officers 13

Changes in the last 10 years (36)
Sep 22, 2026Mark J Sams became SVP/Chief Revenue Officer
Mar 13, 2026The company announced the departure of Dennis E Murray Jr from the board in an SEC filing
Mar 13, 2026The company announced the departure of Dennis E Murray Jr from the board in an SEC filing
Feb 24, 2026Veronica G Doucette became SVP/Human Resources Officer
Feb 4, 2026Dennis G Shaffer listed as CEO (previously CEO and President) in SEC filings
Feb 4, 2026Charles A. Parcher listed as President (previously Senior Vice President) in SEC filings
Aug 18, 2025Robert L Katitus became Svp/clo
Feb 10, 2025Todd A Michel reported in an SEC filing no longer being Senior Vice President
Jun 3, 2024Ian Whinnem became Svp/cfo
May 17, 2024Paul J Stark reported in an SEC filing no longer being Senior Vice President
May 17, 2024Allen R Nickles reported in an SEC filing no longer being a director
Nov 6, 2023Michael D. Mulford became Senior Vice President
May 9, 2023James O Miller first listed as a director in an SEC filing
Apr 21, 2023Mark J. Macioce became a director
Apr 21, 2023Darci L Congrove became a director
Jul 26, 2022Lorina W Wise became a director
Apr 28, 2022Thomas A Depler reported in an SEC filing no longer being a director
Apr 19, 2022Russell L Edwards Jr became Senior Vice President
Apr 19, 2022Carl A Kessler III became Senior Vice President
Mar 7, 2022Robert L Curry Jr became Senior Vice President
Not reported recently (3)
  • James O Miller · Last reported as a director in an SEC filing dated Feb 5, 2025
  • Daniel J White · Last reported as a director in an SEC filing dated May 9, 2023
  • William F Ritzmann · Last reported as a director in an SEC filing dated May 26, 2022
Compiled from SEC filings by the company and its directors and officers. Dates are as stated in those filings. Where no filing says when someone left, we show the last filing that listed them.

CIVB Proposed Insider Sales (Form 144)

Latest: 2025-04-30
Last 30d: 0 filings  ·  Last 90d: 0 filings

What is Form 144? A notice of intent to sell restricted or control stock under Rule 144. Affiliates (officers, directors, 10%+ owners) and holders of restricted shares must file Form 144 when planning to sell more than 5,000 shares or $50,000 in any 3-month rolling window.

How it relates to Form 4: Form 144 is filed before the trade (up to 90 days in advance); Form 4 is filed within 2 business days after the trade executes. Not every Form 144 results in a sale — the filer may cancel or delay. Look for the corresponding Form 4 on the Insider Activity card to confirm a sale actually happened.

10b5-1 plans: Trades made under a pre-scheduled Rule 10b5-1 plan are not discretionary — they execute automatically on dates set months earlier, regardless of news. High 10b5-1 percentages mean less per-filing signal value, though cumulative selling volume still matters.

"Notice value": Aggregate market value the filer wrote into the Form 144 — i.e. the size of the planned sale, not necessarily the executed dollars. An amended notice (Form 144/A) replaces the original it amends, and cancelled notices are dropped, so neither is double-counted above. A filed value that is clearly inconsistent with the share count at the stock's price (a filer typo) shows as a dash and is left out of the totals.

Source & freshness: Sourced from public Form 144 filings. Refreshed daily; new filings typically appear here the morning after they are filed.

Filed Filer Role Shares Notice Value Planned Sale Broker Plan Link
2025-04-30 Dennis Murray Jr Director 6,143 $135.8K 2025-04-30 UBS Financial Services Inc — EDGAR
Notice value is the aggregate market value the filer states they intend to sell — not a confirmed transaction. Compare to Insider Activity (Form 4) to see which planned sales actually executed. Market-wide feed: Planned sales (Form 144).
ETF Holders
49 ETFs hold CIVB
25 shown · $99.15M total exposure · 0.03% AUM-weighted avg weight
# ETF Provider Weight $ Exposure ETF AUM As Of
1 VTI Vanguard Morningstar Total Stock Market ETF Vanguard 0.00% $16.5M — 2026-09-30
2 IWM iShares Russell 2000 ETF iShares (BlackRock) 0.02% $15.4M $75.1B 2026-10-20
3 DFSV Dimensional US Small Cap Value ETF Dimensional 0.04% $10.4M — 2026-10-20
4 VXF Vanguard Extended Market ETF Vanguard 0.01% $6.2M — 2026-09-30
5 DFAT Dimensional US Targeted Value ETF Dimensional 0.02% $6.2M — 2026-10-20
6 AVUV Avantis U.S. Small Cap Value ETF Avantis 0.02% $5.6M $31.4B 2026-10-20
7 IWN iShares Russell 2000 Value ETF iShares (BlackRock) 0.04% $5.2M $13.7B 2026-10-20
8 KRE State Street® SPDR® S&P® Regional Banking ETF SPDR (State Street) 0.13% $5.1M $4.0B 2026-10-20
9 DFAS Dimensional US Small Cap ETF Dimensional 0.01% $4.5M — 2026-10-20
10 VTWO Vanguard Russell 2000 ETF Vanguard 0.02% $3.2M — 2026-09-30
11 VIG Vanguard Dividend Appreciation ETF Vanguard 0.00% $3.1M — 2026-09-30
12 FSMD Fidelity Small-Mid Multifactor ETF Fidelity 0.10% $2.5M $2.5B 2026-10-20
13 BSVO EA Bridgeway Omni Small-Cap Value ETF Nport 0.11% $2.5M — 2026-06-30
14 FDM First Trust Dow Jones Select MicroCap Index Fund First Trust 0.92% $2.4M $264.8M 2026-10-20
15 IWC iShares Micro-Cap ETF iShares (BlackRock) 0.14% $1.7M $1.2B 2026-10-20
16 DFMC Dimensional US Micro Cap ETF Dimensional 0.02% $1.6M — 2026-10-20
17 DFAC Dimensional US Core Equity 2 ETF Dimensional 0.00% $1.6M — 2026-10-20
18 AVSC Avantis U.S. Small Cap Equity ETF Avantis 0.04% $1.2M $3.1B 2026-10-20
19 VFH Vanguard Financials ETF Vanguard 0.01% $877,267 — 2026-09-30
20 DCOR Dimensional US Core Equity 1 ETF Dimensional 0.00% $748,878 — 2026-10-20
21 BFOR Barrons 400 ETF Nport 0.27% $575,679 — 2026-05-31
22 DES WisdomTree U.S. SmallCap Dividend Fund Nport 0.03% $555,426 — 2026-06-30
23 VTWV Vanguard Russell 2000 Value ETF Vanguard 0.04% $507,868 — 2026-09-30
24 GSSC Goldman Sachs ActiveBeta U.S. Small Cap Equity ETF Goldman 0.05% $506,473 $1.0B 2026-10-20
25 PRFZ Invesco RAFI US 1500 Small-Mid ETF Nport 0.01% $345,291 — 2026-07-31
Fundamentals

Quarterly filings sourced from SEC 10-Q / 10-K reports. TTM tiles aggregate the most recent four quarters; bars show the last ~12 quarters oldest → newest.

Metrics
  • Revenue — top-line sales. Look for consistent YoY growth; seasonal businesses need same-quarter comparisons (Q4 '24 vs Q4 '23).
  • Net Income — bottom-line profit after all expenses. Can be volatile from one-time items; red bars = net loss.
  • Diluted EPS — net income per share assuming options/converts are exercised. Direct input to the P/E ratio.
  • Operating Cash Flow — cash generated from core operations, before capex and financing. Harder to manipulate than net income; growing OCF is a quality signal.
How to read the bars
  • Sequential growth — quarter-over-quarter trend. Accelerating bars are a momentum signal.
  • YoY growth — compare to the same quarter a year earlier to remove seasonality.
  • Quality — OCF should roughly track Net Income over time. Large divergence (net income ≫ OCF) flags accruals risk.
  • Margins — scan the bar ratios: Net Income / Revenue tells you margin trend without needing a separate chart.

TTM (trailing-twelve-month) smooths seasonality and is used for the P/E calculation. Filings appear 30–90 days after the period closes.

Trailing P/E
9.87
TTM Diluted EPS
$2.71
TTM Revenue
$258.60M
TTM Net Income
$51.07M
TTM Op. Cash Flow
$51.84M
Quarterly figures (12 quarters)
QuarterPeriod EndRevenueNet IncomeDiluted EPSOp. Cash Flow
Q1 '262026-03-31$65.24M$14.96M$0.72$12.18M
Q4 '252025-12-31$65.63M$12.44M$0.60$9.61M
Q3 '252025-09-30$64.87M$12.70M$0.68$18.97M
Q2 '252025-06-30$62.86M$10.97M$0.71$11.08M
Q1 '252025-03-31$61.59M$10.12M$0.66$3.61M
Q4 '242024-12-31$62.25M$10.35M$0.62$22.40M
Q3 '242024-09-30$62.84M$8.19M$0.53$12.90M
Q2 '242024-06-30$60.97M$6.80M$0.45$12.19M
Q1 '242024-03-31$58.38M$6.13M$0.41$752.00K
Q4 '232023-12-31$57.42M$9.29M$0.61$2.10M
Q3 '232023-09-30$54.73M$10.00M$0.66$21.47M
Q2 '232023-06-30$53.76M$9.66M$0.64$19.33M
Q1 2026 • period ending 2026-03-31 • filed 2026-05-08
Valuation

Ratios derived from TTM financials and the current market price, sampled daily. History chart shows how expensive the stock is today relative to its own recent past.

Price Multiples
  • P/E — price / TTM earnings. Rough market rule: 10–15 value, 15–25 market, >30 growth/premium. Negative when earnings are negative.
  • P/B — price / book value. Useful for financials and asset-heavy names; meaningless for asset-light software.
  • P/S — price / TTM revenue. Useful when earnings are negative or noisy (early-stage growth).
  • EV/EBITDA — capital-structure-neutral. <10 cheap, 10–15 reasonable, >20 rich. Good for comparing across leverage profiles.
  • EV/Sales — like P/S but accounts for debt + cash. Compare within sector.
Profitability & Yields
  • ROE — return on equity. >15% strong, >25% exceptional. Caution: high leverage inflates ROE.
  • ROA — return on assets. Leverage-neutral; >5% solid, >10% exceptional.
  • Div Yield — annual dividend / price. Compare to 10Y Treasury; sustained yield >6% often signals distress.
  • FCF Yield — free cash flow / market cap. >5% is attractive; negative means burning cash.
Balance Sheet
  • Debt/Equity — leverage. <1 conservative, >2 aggressive. Sector-dependent (utilities naturally high, tech low).
  • Current Ratio — short-term liquidity. >1.5 comfortable, <1 raises short-term solvency flags.
Reading the history chart
  • Compare current level to the 3-year band: near the high end = relatively expensive; near the low = relatively cheap.
  • Multiples expanding while earnings are flat = sentiment-driven rally.
  • Multiples compressing while earnings grow = value coming from fundamentals.
P/E
9.87
P/B
0.88
P/S
1.87
EV/EBITDA
8.25
EV/Sales
1.96
ROE
9.2%
ROA
1.2%
Div Yield
2.51%
FCF Yield
10.70%
Debt/Equity
0.19
Current Ratio
—
Market Cap
$484.57M
as of 2026-10-21
Short Interest & Float

Regulatory short-interest reports publish on a bi-weekly settlement cadence; short-volume is reported daily by the trade-reporting facilities. Float is derived from insider-ownership filings.

Metric definitions
  • Short Interest — total shares currently sold short as of the settlement date. Lags real time by ~8 business days.
  • SI % of Float — short interest / free float. The key crowding metric.
  • Days to Cover — short interest / avg daily volume. How many full trading days it would take shorts to buy back. High DTC + catalyst = squeeze fuel.
  • Short Vol Ratio — today's short-sale volume / total volume. Intraday selling pressure proxy (not the same as short interest).
  • Free Float — shares available for public trading (total shares minus insider / restricted).
  • Float % — free float / shares outstanding. <50% = tightly held, more prone to squeezes.
How to read the signals
  • SI % of Float < 5% — typical, no particular signal.
  • 5–15% — elevated; watch for catalysts (earnings, guidance, macro).
  • 15–30% — heavily shorted; tight-float names in this range have produced notable squeezes historically.
  • >30% — extreme; borrow is likely expensive and squeeze risk is material.
  • Days to Cover > 5 combined with high SI% amplifies squeeze potential.
History chart
  • Trend matters more than level. Rapidly rising short interest often precedes negative catalysts or heavy hedging.
  • A sudden drop in SI after a rally may indicate a squeeze in progress.

Short interest is reported mid-month and end-of-month; short volume is daily.

Short Interest
736.25K
SI % of Float
3.63%
Days to Cover
4.88
Short Vol Ratio
33.7%
Free Float
20.26M
Float %
97.4%
Short interest 2026-09-30 • Short volume 2026-10-21 • Float 2026-08-13