
Civista Bancshares (CIVB) Stock Forecast & Price Target
Civista Bancshares (CIVB) Analyst Ratings
Bulls say
Civista Bancshares has demonstrated a positive trend in loan growth, with commercial and agricultural loan balances, as well as non-owner occupied commercial real estate loan balances, experiencing quarter-on-quarter increases. The company's investments in higher-yield securities, which rose to 3.58%, indicate an improved income-generating capability. Additionally, the expansion efforts in Ohio's largest metropolitan areas position Civista Bancshares to capture a larger market share in a growing economic environment, enhancing its overall growth potential.
Bears say
Civista Bancshares Inc. has experienced a decline in its adjusted margin, which fell by 4 basis points quarter-over-quarter to 3.51% due to decreasing loan yields. Revenue from fees has also shown weakness, particularly in leasing, contributing to a disappointing financial performance. Additionally, a significant concern is the 27% annualized decline in real estate construction loans, highlighting potential challenges in key areas of the company's lending portfolio.
This aggregate rating is based on analysts' research of Civista Bancshares and is not a guaranteed prediction by Public.com or investment advice.
Civista Bancshares (CIVB) Analyst Forecast & Price Prediction
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