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Bank7 Corp. (BSVN) vs Civista Bancshares, Inc. (CIVB)

Bank7 Corp. and Civista Bancshares, Inc. are both Banks Regional companies. Bank7 Corp. and Civista Bancshares, Inc. are of similar size ($558.0M and $528.6M). Civista Bancshares, Inc. trades at the lower P/E: 9.9× against 13.1×. Civista Bancshares, Inc. grew revenue faster over the last twelve months: 4.71% against −0.23%. Bank7 Corp. has the higher net margin (30.4% vs 20.7%) and the higher return on invested capital (78.0% vs 5.57%). Both pay a dividend; Civista Bancshares, Inc. yields more (2.64% vs 1.91%). Across the 19 metrics below, Bank7 Corp. leads on 10 and Civista Bancshares, Inc. on 9.

Valuation

Metric BSVN CIVB Banks Regional median
P/E 13.12 9.94 11.98
P/S 4.00 2.13 2.34
P/B 2.08 0.98 1.19
Price to free cash flow 11.25 9.73 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.62% 10.06% 8.23%
Free cash flow yield 8.89% 10.27% 9.08%

Profitability

Metric BSVN CIVB Banks Regional median
Gross margin 71.17% 70.94% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 30.36% 20.73% 18.66%
Free cash flow margin 35.58% 21.86% 21.11%
Return on equity 16.85% 11.16% 10.65%
Return on assets 2.24% 1.28% 1.13%
Return on invested capital 77.98% 5.57% 8.35%

Growth

Metric BSVN CIVB Banks Regional median
Revenue growth (TTM) (0.23%) 4.71% 6.98%
EPS growth (last fiscal year) (7.02%) 31.34% 18.88%
Revenue growth, 5-year CAGR 20.08% 14.77% 12.38%
Net income growth, 5-year CAGR 17.46% 7.49% 9.71%

Health

Metric BSVN CIVB Banks Regional median
Debt to equity 0.00 0.41 0.22
Current ratio 1.11 0.95 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BSVN CIVB Banks Regional median
Dividend yield 1.91% 2.64% 2.57%
Payout ratio 0.25 0.26 0.30

Size

Metric BSVN CIVB Banks Regional median
Market cap 528.59m 558.04m 913.33m

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