Should I Buy CIVB? CIVB 2026 Analysis

Should You Buy Civista Bancshares Inc (CIVB) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Hold

Latest Price

24.830

1 Day change

-0.16%

52 Week Range

25.590

Analysis Updated At

2026/02/04

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Not a good buy right now for an impatient entry: the stock is extended near resistance with RSI close to overbought, while the short-term pattern-probability model leans negative over the next week/month.
Fundamentals/news flow are clearly improving (earnings beat, revenue up, dividend raise), but the current setup looks more like a “don’t chase” than an attractive immediate entry.
Intellectia Proprietary Trading Signals
- AI Stock Picker: No signal on given stock today.
- SwingMax: No signal on given stock recently.
Politician/influential trading: no recent congress trading data available; hedge funds and insiders are neutral with no notable recent activity.

Technical Analysis

Trend: Bullish structure (SMA_5 > SMA_20 > SMA_200) confirms an uptrend.
Momentum: MACD histogram +0.206 and expanding suggests buyers still in control.
RSI(6)=69.14: approaching overbought conditions; upside may be more limited near-term and pullback risk rises.
Key levels: Pivot 23.799 (important support), R1 24.775 already cleared, next resistance R2 25.378. Current price (24.965) sits between R1 and R2—often a spot where breakouts can stall.
Quant/pattern outlook provided: 70% chance of -0.85% next day, -2.93% next week, -6.17% next month (bearish bias short-term despite the broader uptrend).

Options Data

Bullish

Open Interest Put-Call Ratio

Bullish

Option Volume Put-Call Ratio

Positioning: Open interest put/call ratio = 0.16 is very call-heavy (bullish skew).
Activity: Options volume is extremely thin (only 1 contract today; call volume 0), so “sentiment” signals are low-confidence due to illiquidity.
Volatility: 30D IV ~95.89 vs historical vol ~31.63; IV percentile 76.4 indicates options are expensive and pricing elevated uncertainty.
Net: OI skew looks bullish, but the lack of real volume and very high IV reduces usefulness for timing a buy today.

Technical Summary

Sell

Buy

Positive Catalysts

- Q4 2025 earnings beat: GAAP EPS $0.61 with revenue growth reported at +14.7% YoY.
- Profitability improved: Q4 2025 net income $12.3M, +24% YoY (news) / +26.27% YoY (snapshot).
- Shareholder returns improving: dividend increased from $0.17 to $0.18 per share.
- Forward commentary: anticipated mid-single-digit loan growth in 2026; acquisition impact highlighted as a driver.

Neutral/Negative Catalysts

- Near-term technical stretch: RSI close to overbought while price trades just below R2 resistance (~25.378), increasing pullback risk.
- Model-implied downside bias over the next week/month despite the uptrend.
- EPS YoY decline in latest quarter (snapshot shows EPS down ~8.96% YoY), suggesting dilution/mix or non-operational factors are tempering per-share growth.
- Options market is illiquid with very high implied volatility, which often coincides with choppier price action.

Financial Performance

Latest quarter: 2025/Q4.
Revenue: $44.062M, +15.11% YoY (strong top-line growth).
Net income: $12.219M, +26.27% YoY (profit growth accelerating).
EPS: $0.61, -8.96% YoY (disconnect vs net income growth; watch share count, one-time items, and acquisition accounting effects).
Overall: business momentum improved, but per-share growth is not yet consistently tracking earnings growth.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Keefe Bruyette (2026-01-30): reiterated Outperform and raised price target to $28 from $27.
Wall Street pro view (pros): improving profitability, solid revenue growth, dividend increase, and constructive 2026 loan-growth outlook.
Wall Street con view (cons): per-share earnings trend is mixed (EPS down YoY), and the stock is currently priced/positioned near resistance after a run, making immediate upside less compelling than the fundamentals suggest.

2 Analyst Rating

Wall Street analysts forecast CIVB stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for CIVB is 26.5 USD with a low forecast of 26 USD and a high forecast of 27 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

2 Buy

0 Hold

0 Sell

Moderate Buy

Current: 24.870

Low

Averages

26.5

High

Current: 24.870

Low

Averages

26.5

High

Keefe Bruyette

Outperform

maintain

$27 -> $28

AI Analysis

2026-01-30

Reason

Keefe Bruyette

Price Target

$27 -> $28

AI Analysis

2026-01-30

maintain

Outperform

Reason

Keefe Bruyette raised the firm's price target on Civista Bancshares to $28 from $27 and keeps an Outperform rating on the shares.

DA Davidson

Jeff Rulis

Buy

initiated

$26

2025-10-27

Reason

DA Davidson

Jeff Rulis

Price Target

$26

2025-10-27

initiated

Buy

Reason

DA Davidson analyst Jeff Rulis assumed coverage of Civista Bancshares with a Buy rating and $26 price target following the Q3 report. The firm is "encouraged" by the bank's positive trends in the core business. Civista's is seeing net interest income traction and its loan outlook "should thaw soon," the analyst tells investors in a research note.

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CIVB Should I Buy

CIVB Should I Buy

Should You Buy Civista Bancshares Inc (CIVB) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Options Data

Technical Summary

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

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