Civista Bancshares, Inc. (CIVB) vs Grupo Supervielle S.A. (SUPV)

Civista Bancshares, Inc. and Grupo Supervielle S.A. are both Banks Regional companies. Civista Bancshares, Inc. and Grupo Supervielle S.A. are of similar size ($559.2M and $558.0M). Grupo Supervielle S.A. has negative trailing earnings, so its P/E is not meaningful; Civista Bancshares, Inc. trades at 9.9×. Grupo Supervielle S.A. grew revenue faster over the last twelve months: 10.2% against 4.71%. Civista Bancshares, Inc. has the higher net margin (20.7% vs −3.62%) and the higher return on invested capital (5.57% vs 0.00%). Across the 17 metrics below, Civista Bancshares, Inc. leads on 13 and Grupo Supervielle S.A. on 4.

Valuation

Metric CIVB SUPV Banks Regional median
P/E 9.94 n/m 11.98
P/S 2.13 0.37 2.34
P/B 0.98 0.76 1.19
Price to free cash flow 9.73 24.77 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.06% (8.73%) 8.23%
Free cash flow yield 10.27% 4.04% 9.08%

Profitability

Metric CIVB SUPV Banks Regional median
Gross margin 70.94% 54.65% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 20.73% (3.62%) 18.66%
Free cash flow margin 21.86% 1.51% 21.11%
Return on equity 11.16% (7.34%) 10.65%
Return on assets 1.28% (1.06%) 1.13%
Return on invested capital 5.57% 0.00% 8.35%

Growth

Metric CIVB SUPV Banks Regional median
Revenue growth (TTM) 4.71% 10.24% 6.98%
EPS growth (last fiscal year) 31.34% (128.85%) 18.88%
Revenue growth, 5-year CAGR 14.77% 8.30% 12.38%
Net income growth, 5-year CAGR 7.49% 0.00% 9.71%

Health

Metric CIVB SUPV Banks Regional median
Debt to equity 0.41 0.09 0.22
Current ratio 0.95 0.92 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CIVB SUPV Banks Regional median
Dividend yield 2.64% — 2.57%
Payout ratio 0.26 — 0.30

Size

Metric CIVB SUPV Banks Regional median
Market cap 558.04m 559.23m 913.33m

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