CIVB Quote, Financials, Valuation and Earnings

Middlefield Banc has a net margin of 25.39% compared to Civista Bancshares's net margin of 26.77%. Civista Bancshares's return on equity of 9.22% beat Middlefield Banc's return on equity of 7.73%.

Civista Bancshares has a consensus price target of $25.67, signalling upside risk potential of 13.92%. On the other hand Middlefield Banc has an analysts' consensus of $28.33 which suggests that it could fall by -3.23%. Given that Civista Bancshares has higher upside potential than Middlefield Banc, analysts believe Civista Bancshares is more attractive than Middlefield Banc.

Civista Bancshares has a beta of 0.695, which suggesting that the stock is 30.536% less volatile than S&P 500. In comparison Middlefield Banc has a beta of 0.396, suggesting its less volatile than the S&P 500 by 60.416%.

Civista Bancshares has a quarterly dividend of $0.17 per share corresponding to a yield of 2.93%. Middlefield Banc offers a yield of 2.77% to investors and pays a quarterly dividend of $0.21 per share. Civista Bancshares pays 31.76% of its earnings as a dividend. Middlefield Banc pays out 41.61% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

Civista Bancshares quarterly revenues are $40.1M, which are larger than Middlefield Banc quarterly revenues of $18M. Civista Bancshares's net income of $10.2M is higher than Middlefield Banc's net income of $4.8M. Notably, Civista Bancshares's price-to-earnings ratio is 9.93x while Middlefield Banc's PE ratio is 14.57x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Civista Bancshares is 2.24x versus 3.42x for Middlefield Banc. Usually stocks with elevated PS ratios are considered overvalued.

PCB Bancorp has a net margin of 25.39% compared to Civista Bancshares's net margin of 28.79%. Civista Bancshares's return on equity of 9.22% beat PCB Bancorp's return on equity of 8.02%.

Civista Bancshares has a consensus price target of $25.67, signalling upside risk potential of 13.92%. On the other hand PCB Bancorp has an analysts' consensus of $21.00 which suggests that it could grow by 5.45%. Given that Civista Bancshares has higher upside potential than PCB Bancorp, analysts believe Civista Bancshares is more attractive than PCB Bancorp.

Civista Bancshares has a beta of 0.695, which suggesting that the stock is 30.536% less volatile than S&P 500. In comparison PCB Bancorp has a beta of 0.564, suggesting its less volatile than the S&P 500 by 43.567%.

Civista Bancshares has a quarterly dividend of $0.17 per share corresponding to a yield of 2.93%. PCB Bancorp offers a yield of 3.82% to investors and pays a quarterly dividend of $0.20 per share. Civista Bancshares pays 31.76% of its earnings as a dividend. PCB Bancorp pays out 42.79% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

Civista Bancshares quarterly revenues are $40.1M, which are larger than PCB Bancorp quarterly revenues of $26.9M. Civista Bancshares's net income of $10.2M is higher than PCB Bancorp's net income of $7.7M. Notably, Civista Bancshares's price-to-earnings ratio is 9.93x while PCB Bancorp's PE ratio is 10.27x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Civista Bancshares is 2.24x versus 2.79x for PCB Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

First Financial has a net margin of 25.39% compared to Civista Bancshares's net margin of 29.46%. Civista Bancshares's return on equity of 9.22% beat First Financial's return on equity of 10%.

Civista Bancshares has a consensus price target of $25.67, signalling upside risk potential of 13.92%. On the other hand First Financial has an analysts' consensus of $56.67 which suggests that it could grow by 11.59%. Given that Civista Bancshares has higher upside potential than First Financial, analysts believe Civista Bancshares is more attractive than First Financial.

Civista Bancshares has a beta of 0.695, which suggesting that the stock is 30.536% less volatile than S&P 500. In comparison First Financial has a beta of 0.408, suggesting its less volatile than the S&P 500 by 59.238%.

Civista Bancshares has a quarterly dividend of $0.17 per share corresponding to a yield of 2.93%. First Financial offers a yield of 3.78% to investors and pays a quarterly dividend of $0.51 per share. Civista Bancshares pays 31.76% of its earnings as a dividend. First Financial pays out 44.95% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

Civista Bancshares quarterly revenues are $40.1M, which are smaller than First Financial quarterly revenues of $62.5M. Civista Bancshares's net income of $10.2M is lower than First Financial's net income of $18.4M. Notably, Civista Bancshares's price-to-earnings ratio is 9.93x while First Financial's PE ratio is 10.99x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Civista Bancshares is 2.24x versus 2.59x for First Financial. Usually stocks with elevated PS ratios are considered overvalued.