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Civista Bancshares, Inc. (CIVB) vs Greene County Bancorp, Inc. (GCBC)

Civista Bancshares, Inc. and Greene County Bancorp, Inc. are both Banks Regional companies. Civista Bancshares, Inc. and Greene County Bancorp, Inc. are of similar size ($612.9M and $583.3M). Civista Bancshares, Inc. trades at the lower P/E: 10.1× against 14.9×. Greene County Bancorp, Inc. grew revenue faster over the last twelve months: 9.67% against 4.71%. Greene County Bancorp, Inc. has the higher net margin (28.1% vs 20.7%) and the higher return on invested capital (21.0% vs 8.99%). Both pay a dividend; Civista Bancshares, Inc. yields more (3.19% vs 1.14%). Across the 19 metrics below, Civista Bancshares, Inc. leads on 10 and Greene County Bancorp, Inc. on 9.

Valuation

Metric CIVB GCBC Banks Regional median
P/E 10.10 14.86 12.02
P/S 2.23 4.18 2.36
P/B 1.05 2.19 1.23
Price to free cash flow 8.87 14.67 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.90% 6.73% 8.21%
Free cash flow yield 11.28% 6.82% 9.23%

Profitability

Metric CIVB GCBC Banks Regional median
Gross margin 70.94% 63.50% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 20.73% 28.14% 18.82%
Free cash flow margin 0.00% 28.50% 17.97%
Return on equity 0.00% 15.88% 10.28%
Return on assets 0.00% 1.32% 1.13%
Return on invested capital 8.99% 21.04% 8.45%

Growth

Metric CIVB GCBC Banks Regional median
Revenue growth (TTM) 4.71% 9.67% 6.37%
EPS growth (last fiscal year) 31.34% 31.69% 18.85%
Revenue growth, 5-year CAGR 14.77% 16.48% 12.65%
Net income growth, 5-year CAGR 7.49% 11.37% 9.81%

Health

Metric CIVB GCBC Banks Regional median
Debt to equity 0.00 0.02 0.17
Current ratio 0.95 0.65 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CIVB GCBC Banks Regional median
Dividend yield 3.19% 1.14% 2.49%
Payout ratio 0.32 0.17 0.29

Size

Metric CIVB GCBC Banks Regional median
Market cap 583.25m 612.92m 934.85m

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