Value
7.3/10data confidence 83%| Component | Sub-score |
|---|---|
| P/E | 8.9 |
| P/S | 8.1 |
| Fwd P/E | 9.3 |
| PEG | 7.0 |
| Analyst target | 3.0 |
- ▸Forward P/E: 9.8x
- ▸PEG: 1.01
- ▸Attractively valued
CIVB · Why this verdict
Why Civista Bancshares (CIVB) is rated HOLD
Updated
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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VerdictHOLD
Overall score5.9/10
ConfidenceMEDIUM
MacroNEUTRAL
Per-dimension breakdown
Quality
5.5/10data confidence 100%| Component | Sub-score |
|---|---|
| ROE | 3.6 |
| ROA | 0.8 |
| Gross margin | 0.0 |
| Op margin | 10.0 |
| Net margin | 10.0 |
| Moat | 5.4 |
| Piotroski F | 8.9 |
- ▸Strong margins: 29%
- ▸No competitive moat
- ▸Strong Piotroski F-Score: 8/9
Growth
6.0/10data confidence 67%| Component | Sub-score |
|---|---|
| Rev growth | 8.1 |
| EPS growth | 3.9 |
- ▸Strong growth: 23% YoY
Momentum
5.2/10data confidence 100%| Component | Sub-score |
|---|---|
| RSI | 5.0 |
| MACD | 8.5 |
| OBV | 1.0 |
| MA position | 9.0 |
| Volume | 2.3 |
- ▸Volume distribution (falling OBV)
- ▸Above 200-day MA
Sentiment
5.7/10data confidence 100%| Component | Sub-score |
|---|---|
| Analyst rating | 6.6 |
| Price target | 5.1 |
| erm sentiment | 5.0 |
- ▸Light analyst coverage (6.0) — signal dampened
Insider
5.0/10data confidence 50%| Component | Sub-score |
|---|---|
| materiality | 5.0 |
| holder change | 5.0 |
- ▸No net insider activity — $0 (0.000% of mkt cap)
Peer rank
6.1/10data confidence 80%| Component | Sub-score |
|---|---|
| value rank | 8.0 |
| quality rank | 4.5 |
| growth rank | 7.0 |
- ▸Attractive P/E vs peers
Technical
4.5/10data confidence 100%| Component | Sub-score |
|---|---|
| bollinger | 1.8 |
| support resistance | 2.4 |
| 52w position | 9.4 |
Risk (lower is worse)
6.4/10data confidence 100%| Component | Sub-score |
|---|---|
| short interest | 9.3 |
| days to cover | 7.4 |
| volatility | 5.7 |
| implied vol | 0.7 |
| beta | 9.1 |
- ▸High IV: 76%
Catalyst
7.0/10data confidence 100%| Component | Sub-score |
|---|---|
| erm | 5.0 |
| earnings history | 10.0 |
| earnings timing | 5.0 |
| surprise avg | 10.0 |
| dividend safety | 5.2 |
- ▸Perfect beat streak: 4Q
- ▸Dividend: 253.0%
How the verdict was assembled
Engine trigger
Maintain position. Not compelling to add more.
Engine technical detail
verdict_path:
L4:PATH_F_HOLDPassed (7)
- MOMENTUM:5.2>=4.5
- INSIDER:OK
- 8K:CLEAN
- NEWS_EVENTS:NONE_RECENT
- EARNINGS_PROXIMITY:19d clear
- SEMI_CYCLE_PEAK:CLEAR
- MATERIALS_CYCLE_PEAK:CLEAR
Failed (1)
- ASYMMETRY:-1.2=NEGATIVE
Warning (1)
- MOMENTUM:5.2<5.5 (soft — BUY_NOW allowed but watch)
Reward-to-Risk
-1.22
Upside
-12.4%
Downside
10.1%
Sizing output
AVOID
SetupBreakout — Golden cross, above all MAs, RSI 64, MACD bullish
EdgeCatalyst-Driven — Earnings in 19d with 4/4 beat streak
SuitabilityAggressive — MCap $0.6B<$5B
Investment implication
None of the engine's positive-conviction paths (C-quality, D-momentum) triggered — the F-path HOLD reflects balanced signals. Strongest-cleared gate: MOMENTUM:5.2>=4.5. Top dim: Value at 7.3; weakest: Technical at 4.5. No conviction either direction.
The strongest dimensions are Value at 7.3, Catalyst at 7.0, and Risk (lower is worse) at 6.4; the weakest are Technical at 4.5, Insider at 5.0, and Momentum at 5.2. The V9 engine flagged 1 failed gate with 1 warning, producing an asymmetric reward-to-risk of -1.22 and an engine sizing output of AVOID.