Civista Bank AI Price Prediction

With EPS of 2.64 and a PE ratio of 9.03, Civista Bank appears reasonably valued relative to typical regional bank multiples, suggesting neither clear overvaluation nor deep distress. The modest multiple implies the market is cautious about growth and/or credit risk but still assigning value to ongoing profitability. In the absence of detailed revenue and margin trends, the data points to a stable but not strongly expanding earnings profile.

• EPS of 2.64 indicates the bank is solidly profitable on a per‑share basis, supporting the current share price from an earnings perspective.
• A PE ratio of 9.03 is on the low-to-mid range for profitable regional banks, suggesting the stock is not expensive but also not priced for aggressive growth.
• Lack of explicit revenue and net income trend data limits conviction; current metrics imply steady profitability rather than clear acceleration or deterioration.

The stock at $23.85 is trading modestly above its 200-day moving average of $22.05 and is up 6.3% over the last month, indicating a short-term positive trend. However, the RSI at 39.19 sits below the neutral 50 level, suggesting the recent move has not yet shifted the stock into clearly bullish momentum territory. Overall, price action is mildly constructive but not strongly trending, consistent with a neutral technical stance.

• Price is about 8% above the 200-day moving average ($23.85 vs. $22.05), a slight positive that indicates the longer-term trend is tilting upward rather than downward.
• A 6.3% gain over the last month shows improving sentiment, but the RSI of 39.19 signals that momentum remains subdued and the stock is closer to oversold than overbought conditions.
• The combination of modest outperformance versus the 200-day average and a low-to-mid RSI suggests the stock is in a stabilization or early recovery phase rather than a strong breakout.

Web traffic of roughly 212,000 monthly visitors and 3,000 daily app downloads (flat month over month) indicate a stable digital user base rather than rapid growth. Job openings up 11.1% month over month point to some incremental investment or expansion, but social media follower growth is minimal, implying limited brand momentum. Overall, alternative data signals are steady but not strongly expansionary for Civista Bank.

• Estimated 212,078 monthly website visitors and 3,000 daily app downloads with 0.0% month-over-month growth suggest a stable but not rapidly growing customer engagement footprint.
• An 11.1% month-over-month increase to 30 job openings indicates some hiring momentum, which can signal modest growth initiatives or capacity building.
• Social media presence is small (203 on X, 4,869 on Facebook, 235 on YouTube) with very low growth over 90 days, pointing to limited marketing reach and weak brand amplification through social channels.

Civista Bank’s stock appears reasonably valued with solid profitability, modest recent price appreciation, and technicals that suggest stabilization rather than a strong trend. Alternative data shows a steady operating footprint and some hiring growth, but no clear signs of accelerating customer or brand momentum. Taken together, the signals support a neutral outlook, with neither strong bullish nor strongly bearish indications based on the provided data.

• Valuation and earnings (PE near 9, EPS 2.64) indicate a profitable bank that is not aggressively priced, but without clear evidence of rapid growth.
• Price action above the 200-day moving average and a recent 6.3% monthly gain are mildly positive, yet the sub-50 RSI and flat alternative data growth temper a bullish view.