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