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Civista Bancshares, Inc. (CIVB) vs Kearny Financial (KRNY)

Civista Bancshares, Inc. and Kearny Financial are both Banks Regional companies. Civista Bancshares, Inc. and Kearny Financial are of similar size ($585.0M and $558.0M). Civista Bancshares, Inc. trades at the lower P/E: 9.9× against 15.7×. Civista Bancshares, Inc. grew revenue faster over the last twelve months: 4.71% against 1.05%. Civista Bancshares, Inc. has the higher net margin (20.7% vs 10.5%) and the higher return on invested capital (5.57% vs 1.64%). Both pay a dividend; Kearny Financial yields more (4.91% vs 2.64%). Across the 19 metrics below, Civista Bancshares, Inc. leads on 14 and Kearny Financial on 5.

Valuation

Metric CIVB KRNY Banks Regional median
P/E 9.94 15.74 11.98
P/S 2.13 1.62 2.34
P/B 0.98 0.74 1.19
Price to free cash flow 9.73 14.38 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.06% 6.35% 8.23%
Free cash flow yield 10.27% 6.95% 9.08%

Profitability

Metric CIVB KRNY Banks Regional median
Gross margin 70.94% 51.31% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 20.73% 10.45% 18.66%
Free cash flow margin 21.86% 11.29% 21.11%
Return on equity 11.16% 4.79% 10.65%
Return on assets 1.28% 0.47% 1.13%
Return on invested capital 5.57% 1.64% 8.35%

Growth

Metric CIVB KRNY Banks Regional median
Revenue growth (TTM) 4.71% 1.05% 6.98%
EPS growth (last fiscal year) 31.34% 35.71% 18.88%
Revenue growth, 5-year CAGR 14.77% 6.02% 12.38%
Net income growth, 5-year CAGR 7.49% (10.52%) 9.71%

Health

Metric CIVB KRNY Banks Regional median
Debt to equity 0.41 1.50 0.22
Current ratio 0.95 1.05 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CIVB KRNY Banks Regional median
Dividend yield 2.64% 4.91% 2.57%
Payout ratio 0.26 0.77 0.30

Size

Metric CIVB KRNY Banks Regional median
Market cap 558.04m 585.02m 913.33m

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