Civista Bancshares (NASDAQ: CIVB) is one of 211 public companies in the “Commercial Banks” industry, but how does it weigh in compared to its peers? We will compare Civista Bancshares to similar businesses based on the strength of its risk, dividends, earnings, profitability, valuation, analyst recommendations and institutional ownership.

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 35.0% of their earnings in the form of a dividend.

Profitability

This table compares Civista Bancshares and its peers’ 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 20.62% 8.67% 0.92%

Risk & Volatility

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’ peers have a beta of 0.74, suggesting that their average stock price is 26% less volatile than the S&P 500.

Insider and Institutional Ownership

42.7% of Civista Bancshares shares are held by institutional investors. Comparatively, 46.0% of shares of all “Commercial Banks” companies are held by institutional investors. 4.8% of Civista Bancshares shares are held by company insiders. Comparatively, 11.7% of shares of all “Commercial Banks” companies are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Valuation & Earnings

This table compares Civista Bancshares and its peers top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue NetIncome Price/Earnings Ratio
Civista Bancshares $69.70 million $17.21 million 16.02
Civista Bancshares Competitors $341.18 million $71.84 million 20.95

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

Analyst Ratings

This is a breakdown of recent ratings and target prices for Civista Bancshares and its peers, 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 361 2851 2309 66 2.37

Civista Bancshares presently has a consensus target price of $24.38, suggesting a potential upside of 16.13%. As a group, “Commercial Banks” companies have a potential upside of 9.08%. Given Civista Bancshares’ stronger consensus rating and higher probable upside, research analysts clearly believe Civista Bancshares is more favorable than its peers.

Summary

Civista Bancshares peers 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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