Civista Bancshares (NASDAQ: CIVB) is one of 200 publicly-traded companies in the “Commercial Banks” industry, but how does it contrast to its rivals? We will compare Civista Bancshares to related companies based on the strength of its earnings, dividends, valuation, analyst recommendations, risk, institutional ownership and profitability.

Volatility and Risk

Civista Bancshares has a beta of 0.59, suggesting that its stock price is 41% less volatile than the S&P 500. Comparatively, Civista Bancshares’ rivals have a beta of 0.74, suggesting that their average stock price is 26% less volatile than the S&P 500.

Dividends

Civista Bancshares pays an annual dividend of $0.28 per share and has a dividend yield of 1.3%. Civista Bancshares pays out 21.4% of its earnings in the form of a dividend. As a group, “Commercial Banks” companies pay a dividend yield of 1.9% and pay out 35.2% of their earnings in the form of a dividend.

Analyst Ratings

This is a breakdown of recent ratings and target prices for Civista Bancshares and its rivals, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Civista Bancshares 0 1 3 0 2.75
Civista Bancshares Competitors 363 2863 2310 68 2.37

Civista Bancshares presently has a consensus price target of $24.38, suggesting a potential upside of 12.38%. As a group, “Commercial Banks” companies have a potential upside of 6.49%. Given Civista Bancshares’ stronger consensus rating and higher probable upside, analysts clearly believe Civista Bancshares is more favorable than its rivals.

Earnings and Valuation

This table compares Civista Bancshares and its rivals gross revenue, earnings per share and valuation.

Gross Revenue NetIncome Price/Earnings Ratio
Civista Bancshares $69.70 million $17.21 million 16.56
Civista Bancshares Competitors $341.79 million $72.49 million 21.02

Civista Bancshares’ rivals have higher revenue and earnings than Civista Bancshares. Civista Bancshares is trading at a lower price-to-earnings ratio than its rivals, indicating that it is currently more affordable than other companies in its industry.

Insider & Institutional Ownership

44.1% of Civista Bancshares shares are owned by institutional investors. Comparatively, 46.1% of shares of all “Commercial Banks” companies are owned by institutional investors. 4.8% of Civista Bancshares shares are owned by company insiders. Comparatively, 11.7% of shares of all “Commercial Banks” companies are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Profitability

This table compares Civista Bancshares and its rivals’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Civista Bancshares 21.56% 10.32% 1.05%
Civista Bancshares Competitors 20.40% 8.67% 0.92%

Summary

Civista Bancshares rivals beat Civista Bancshares on 8 of the 15 factors compared.

Civista Bancshares Company Profile

Civista Bancshares, Inc. is a financial holding company. The Company, through the subsidiary bank, Civista Bank, is primarily engaged in the business of community banking. Civista Bank, located in Erie, Crawford, Champaign, Cuyahoga, Franklin, Logan, Madison, Montgomery, Summit, Huron, Ottawa and Richland Counties, Ohio, conducts a general banking business that involves collecting customer deposits, making loans, purchasing securities, and offering Trust services. The Company’s loan portfolio consists of commercial and agriculture, commercial real estate-owner occupied, commercial real estate non-owner occupied, residential real estate, real estate construction, consumer and other. Its securities are classified as available-for-sale (AFS) securities. Its deposits include non-interest-bearing demand deposits; interest-bearing demand deposits; savings account, including money market deposit accounts, and certificates of deposit, including individual retirement accounts (IRAs).

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