Civista Bancshares Inc

10-Year Study

CIVB.US · Financial Services · US · Common Stock

Executive Summary: Civista Bancshares Inc has compounded at 10.1% annually over the last 10 years, with a maximum drawdown of 47.1% and an annualized volatility of 27.5%.

1Y CAGR
+7.8%
3Y CAGR
+20.9%
5Y CAGR
+3.0%
10Y CAGR
+10.1%

History & Riski10-year historical performance analysis including CAGR, Max Drawdown, Sharpe & Sortino ratios, annual returns, and rolling volatility — all computed from daily market data.

10-Year Growth of $10,000

Max DrawdownMax DrawdownThe largest peak-to-trough decline in the asset's value over the measurement period.Click for full definition →
47.1%
Sharpe RatioSharpe RatioRisk-adjusted return: how much excess return you earn per unit of total risk (volatility).Click for full definition →
0.39
Sortino RatioSortino RatioLike Sharpe, but only penalizes downside volatility — a more accurate risk measure for asymmetric return distributions.Click for full definition →
0.62
Ann. VolatilityAnnualized VolatilityThe annualized standard deviation of an asset's returns — a measure of how much prices fluctuate.Click for full definition →
28.7%
Best YearBest & Worst YearThe single calendar year with the highest and lowest return in the measured period.Click for full definition →
2021 · +42.4%
Worst YearBest & Worst YearThe single calendar year with the highest and lowest return in the measured period.Click for full definition →
2020 · -24.9%
% Positive Years% Positive YearsThe percentage of calendar years in the measurement period where the asset delivered a positive return.Click for full definition →
60%

Annual Returns

Rolling 12-Month Returns

Rolling 12-Month Annualised Volatility

Historical Drawdowns

Monthly Returns

Monthly Returns Heatmap

YearJanFebMarAprMayJunJulAugSepOctNovDecAnn.
20268.6-0.6-4.33.5————————6.9%
20254.8-5.8-5.216.10.22.9-16.19.8-4.26.06.5-2.39.1%
2024-7.3-11.22.4-7.21.58.115.9-4.55.014.313.2-8.018.7%
2023-1.4-1.1-20.9-6.0-4.716.24.8-6.0-8.8-5.98.517.8-13.2%
2022-1.21.7-1.2-13.63.2-0.41.9-1.7-1.814.2-3.0-3.7-7.5%
2021-2.112.819.31.32.6-6.94.22.8-1.24.1-2.23.742.4%
2020-7.9-13.0-21.83.3-0.61.1-14.11.7-6.214.818.04.2-24.9%
20198.013.92.31.3-1.43.5-0.7-7.86.44.0-3.610.740.6%
20180.91.81.50.75.60.02.4-3.40.9-3.5-8.0-18.3-19.7%
20175.87.01.0-1.7-9.36.0-1.8-1.210.51.30.4-2.914.5%
2016———12.40.712.75.54.7-1.54.428.92.390.9%

Risk X-RayiA 19-factor macroeconomic risk decomposition showing exactly which market forces (equity beta, rates, inflation, credit, commodity, crypto) drive this asset's volatility. Powered by multivariate regression against daily factor returns.

Risk Profile Insight: This asset has an estimated annualized volatility of 27.5%. The dominant macroeconomic risk driver is IJR.US, accounting for 50.9% of variance. Idiosyncratic stock-specific factors contribute 28.3%.

10-Year Historical Price Series (Growth of $10,000)
DateSimulated Value
2016-03-0110000
2016-04-0111244.725475796313
2016-05-0111322.769763128745
2016-06-0112764.908699386353
2016-07-0113465.564669712096
2016-08-0114091.910529132803
2016-09-0113876.57302182004
2016-10-0114484.12352655622
2016-11-0118670.135301659222
2016-12-0119092.71960069207
2017-01-0120192.55903110569
2017-02-0121611.670546061072
2017-03-0121838.335055203574
2017-04-0121473.754963342835
2017-05-0119467.7553865495
2017-06-0120633.814212275487
2017-07-0120266.371251820412
2017-08-0120028.504213395736
2017-09-0122139.309675251123
2017-10-0122435.67881103823
2017-11-0122525.174572747983
2017-12-0121869.07977445575
2018-01-0122065.99534472672
2018-02-0122464.80538717186
2018-03-0122793.91080297241
2018-04-0122942.531024782485
2018-05-0124232.688980445364
2018-06-0124242.646784251734
2018-07-0124821.81754813976
2018-08-0123968.682707028966
2018-09-0124179.41473008128
2018-10-0123337.10900060992
2018-11-0121473.00812805736
2018-12-0117553.24313222719
2019-01-0118964.26393158989
2019-02-0121596.858312899094
2019-03-0122103.088163905453
2019-04-0122390.99316645714
2019-05-0122085.662007244307
2019-06-0122848.9276690026
2019-07-0122679.893949389465
2019-08-0120899.936519000737
2019-09-0122229.80121734152
2019-10-0123114.801030632694
2019-11-0122292.161963678915
2019-12-0124677.678338042548
2020-01-0122737.275793823675
2020-02-0119772.339710476856
2020-03-0115454.262562391867
2020-04-0115962.732919254659
2020-05-0115869.005090927198
2020-06-0116035.673832136323
2020-07-0113777.990764136972
2020-08-0114008.887339897186
2020-09-0113137.828451934927
2020-10-0115079.973611819914
2020-11-0117797.707215673585
2020-12-0118537.94545612965
2021-01-0118142.371699921583
2021-02-0120462.042096615594
2021-03-0124409.813415651184
2021-04-0124737.54963342835
2021-05-0125389.910255293198
2021-06-0123635.967587348616
2021-07-0124631.001132700185
2021-08-0125308.87862681886
2021-09-0124996.82595003672
2021-10-0126034.05568901779
2021-11-0125460.486189770847
2021-12-0126401.8720671156
2022-01-0126088.07677466735
2022-02-0126542.899463523325
2022-03-0126227.237082861375
2022-04-0122657.73783592029
2022-05-0123390.881141164322
2022-06-0123292.29888348125
2022-07-0123730.442250961558
2022-08-0123321.549932162463
2022-09-0122891.497280274838
2022-10-0126133.384781986337
2022-11-0125357.422920374916
2022-12-0124414.543372459208
2023-01-0124070.750196044264
2023-02-0123812.84307745927
2023-03-0118844.770285913444
2023-04-0117717.297949937143
2023-05-0116893.165212412405
2023-06-0119622.225818095823
2023-07-0120569.461905176817
2023-08-0119327.225880332095
2023-09-0117632.283199940255
2023-10-0116585.718019890715
2023-11-0117993.875950659083
2023-12-0121201.78244688134
2024-01-0119649.609778563343
2024-02-0117444.329653095014
2024-03-0117862.432940414994
2024-04-0116584.846712057657
2024-05-0116832.298136645964
2024-06-0118194.899115000186
2024-07-0121084.52930706133
2024-08-0120139.907143479508
2024-09-0121148.632669064842
2024-10-0124175.058190915996
2024-11-0127368.899289261757
2024-12-0125167.975702958713
2025-01-0126388.055614334262
2025-02-0124855.798553629
2025-03-0123565.391652870963
2025-04-0127355.954144313473
2025-05-0127404.62291041711
2025-06-0128194.52569735745
2025-07-0123661.484459602438
2025-08-0125978.665405344855
2025-09-0124899.73736292461
2025-10-0126395.52396718904
2025-11-0128100.175506292086
2025-12-0127457.648215686033
2026-01-0129817.896662891002
2026-02-0129636.913578710217
2026-03-0128367.29359339798
2026-04-0129363.07397403503
Annual Return Matrix
YearAnnual Return
20170.1454145994823619
2018-0.19734879961751695
20190.405875720637352
2020-0.24879702206216148
20210.42420702065372096
2022-0.07527226439111778
2023-0.13159209560323026
20240.18706885923455818
20250.09097563267506437
20260.06939508232392821
Total Factor Risk
0.27514081944569074
VTI.US Exposure
-0.0001588679261530539
VEA.US Exposure
-0.07979680848992173
VWO.US Exposure
0.012017739057775027
QQQ.US Exposure
0.13782529311917077
VTV.US Exposure
0.190504051210127
IJR.US Exposure
0.508918860623485
QUAL.US Exposure
-0.10520668669158845
SHV.US Exposure
0.006338770320192395
TLT.US Exposure
-0.00032764998162187374
LQD.US Exposure
-0.003729125385103125
HYG.US Exposure
-0.011693241296052346
GLD.US Exposure
0.01619592522545688
USO.US Exposure
0.005453972472100631
VNQ.US Exposure
0.023908378781209327
BTC-USD.CC Exposure
-0.007701732705028661
CPER.US Exposure
-0.006969063902635495
VIX.INDX Exposure
0.004083672715487207
UUP.US Exposure
0.028657748489480054
TIP.US Exposure
-0.0012901273055288798
Idiosyncratic Exposure
0.28296889166914924
Value Score
46.5
Growth Score
50
Profit Score
37.5
Health Score
23.6
Yield Score
35.4
Moat Score
40

Factor Risk Decomposition

Share of annualised volatility attributable to each macro factor.

Total Est. Vol
27.5%

FundamentalsiCompany financial health metrics: P/E valuation, dividend yield, Piotroski F-Score (9-point profitability signal), Altman Z-Score (bankruptcy risk proxy), and a radar chart across 6 fundamental dimensions. Note: ETFs may show N/A for some metrics.

Fundamental Dimensions

Core Valuation

P/E Ratio (TTM)P/E RatioPrice-to-Earnings ratio — the market price of a stock divided by its earnings per share, a key valuation measure.Click for full definition →8.7x
Dividend YieldDividend YieldAnnual dividend paid per share divided by the current share price — expressed as a percentage income return.Click for full definition →2.95%
Market Cap$477.2M
Piotroski F-ScorePiotroski F-ScoreA 9-point scoring system evaluating a company's financial strength across profitability, leverage, and operating efficiency.Click for full definition →
9-point profitability signal
0.0/ 9
Weak
Altman Z-ScoreAltman Z-ScoreA bankruptcy prediction model that combines 5 financial ratios into a single score indicating financial distress risk.Click for full definition →
Bankruptcy risk proxy
1.18
Distress Zone
Income Simulation

Based on $10,000 initial investment.

Total Income Generated
$224
Avg Yield on Cost
2.24%
Annual Income Simulation Table
Historical Realised Yields
YearAnnual PayoutYield on CostQuality
2026$224.052.24%Solid

Momentum & MacroiPrice momentum indicators relative to key technical levels: distance from 50-Day SMA (intermediate trend), 200-Day SMA (long-term trend), 52-Week High (bullish proximity), and Beta (market sensitivity coefficient).

vs 50-Day SMAMoving Averages (SMA)A rolling average of an asset's price over a defined window — used to identify trends and momentum signals.Click for full definition →
+1.1%
Above/below 50-day moving average
vs 200-Day SMAMoving Averages (SMA)A rolling average of an asset's price over a defined window — used to identify trends and momentum signals.Click for full definition →
+7.5%
Above/below 200-day moving average
vs 52-Week High52-Week HighThe highest price an asset reached in the past 52 weeks — a key reference for momentum and valuation context.Click for full definition →
4.5% from high
Distance from 52-week high
BetaBetaA measure of an asset's sensitivity to broad market movements relative to a benchmark (e.g. S&P 500).Click for full definition →
0.63
Market sensitivity coefficient

Frequently Asked Questions & Methodology

Is Civista Bancshares Inc a high-risk investment?

Civista Bancshares Inc (CIVB.US) has an annualized volatility of 27.5% and experienced a maximum drawdown of 47.1% over the last 10 years. Its primary macro risk driver is IJR.US.

What is the 10-year return of CIVB.US?

Over the past 10 years, CIVB.US has generated a Compound Annual Growth Rate (CAGR) of 10.1%. It has had a positive return in 60% of the years measured.

Data Methodology & Trust

The risk and return information on this page is pre-calculated mathematically using daily market data spanning a 10-year period. Fundamentals (such as P/E Ratio, Market Cap, and Dividend Yield) represent trailing averages and may not immediately reflect real-time live market fluctuations. Advanced scoring models like the Piotroski F-Score and Altman Z-Score are proxies applied to publicly available trailing-twelve-month financial statements and may not account for recent off-balance-sheet events, qualitative company shifts, or sector-specific capital structures. Macroeconomic factor exposures are estimated via multivariate regression against standard market indices. This data is provided for quantitative insight and backtesting research, and should not be misconstrued as tailored financial advice.

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