Civista Bancshares, Inc. (CIVB) vs First Business Financial Services, Inc. (FBIZ)
Civista Bancshares, Inc. and First Business Financial Services, Inc. are both Banks Regional companies. Civista Bancshares, Inc. and First Business Financial Services, Inc. are of similar size ($587.5M and $568.8M). Civista Bancshares, Inc. trades at the lower P/E: 10.0× against 10.8×. First Business Financial Services, Inc. grew revenue faster over the last twelve months: 6.56% against 4.71%. Civista Bancshares, Inc. has the higher net margin (20.7% vs 18.6%) and the lower return on invested capital (5.57% vs 7.15%). Both pay a dividend; Civista Bancshares, Inc. yields more (3.99% vs 2.69%). Across the 19 metrics below, First Business Financial Services, Inc. leads on 11 and Civista Bancshares, Inc. on 8.
Valuation
Profitability
| Metric | CIVB | FBIZ | Banks Regional median |
|---|---|---|---|
| Gross margin | 70.94% | 61.75% | 69.57% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | 20.73% | 18.64% | 18.66% |
| Free cash flow margin | 21.86% | 28.12% | 21.18% |
| Return on equity | 11.16% | 14.99% | 10.64% |
| Return on assets | 1.28% | 1.28% | 1.13% |
| Return on invested capital | 5.57% | 7.15% | 8.33% |
Growth
Health
Dividend
Size
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