Civista Bancshares, Inc. (CIVB) vs Southern First Bancshares, Inc. (SFST)

Civista Bancshares, Inc. and Southern First Bancshares, Inc. are both Banks Regional companies. Civista Bancshares, Inc. and Southern First Bancshares, Inc. are of similar size ($569.8M and $568.8M). Civista Bancshares, Inc. trades at the lower P/E: 10.0× against 12.8×. Southern First Bancshares, Inc. grew revenue faster over the last twelve months: 8.92% against 4.71%. Civista Bancshares, Inc. has the higher net margin (20.7% vs 16.8%) and the lower return on invested capital (5.57% vs 30.7%). Across the 19 metrics below, Civista Bancshares, Inc. leads on 12 and Southern First Bancshares, Inc. on 7.

Valuation

Metric CIVB SFST Banks Regional median
P/E 10.02 12.79 12.15
P/S 2.14 2.36 2.37
P/B 0.99 1.23 1.21
Price to free cash flow 9.81 13.99 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.79 0.88 2.27
Earnings yield 9.98% 7.82% 8.11%
Free cash flow yield 10.20% 7.15% 8.98%

Profitability

Metric CIVB SFST Banks Regional median
Gross margin 70.94% 56.20% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 20.73% 16.78% 18.66%
Free cash flow margin 21.86% 16.86% 21.18%
Return on equity 11.16% 9.93% 10.64%
Return on assets 1.28% 0.88% 1.13%
Return on invested capital 5.57% 30.67% 8.33%

Growth

Metric CIVB SFST Banks Regional median
Revenue growth (TTM) 4.71% 8.92% 6.61%
EPS growth (last fiscal year) 31.34% 96.34% —
Revenue growth, 5-year CAGR 14.77% 12.95% 12.30%
Net income growth, 5-year CAGR 7.49% 10.63% 9.71%

Health

Metric CIVB SFST Banks Regional median
Debt to equity 0.41 0.03 0.22
Current ratio 0.95 1.04 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CIVB SFST Banks Regional median
Dividend yield 3.99% — 3.75%
Payout ratio 0.19 0.00 0.27

Size

Metric CIVB SFST Banks Regional median
Market cap 568.81m 569.82m 921.07m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack