Civista Bancshares, Inc. (CIVB) vs Unity Bancorp, Inc. (UNTY)
Civista Bancshares, Inc. and Unity Bancorp, Inc. are both Banks Regional companies. Civista Bancshares, Inc. and Unity Bancorp, Inc. are of similar size ($568.8M and $555.0M). Unity Bancorp, Inc. trades at the lower P/E: 9.6× against 10.0×. Unity Bancorp, Inc. grew revenue faster over the last twelve months: 10.2% against 4.71%. Unity Bancorp, Inc. has the higher net margin (30.3% vs 20.7%) and the higher return on invested capital (10.6% vs 5.57%). Both pay a dividend; Civista Bancshares, Inc. yields more (3.99% vs 1.82%). Across the 20 metrics below, Unity Bancorp, Inc. leads on 11 and Civista Bancshares, Inc. on 9.
Valuation
Profitability
| Metric | CIVB | UNTY | Banks Regional median |
|---|---|---|---|
| Gross margin | 70.94% | 69.92% | 69.57% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | 20.73% | 30.26% | 18.66% |
| Free cash flow margin | 21.86% | 13.95% | 21.18% |
| Return on equity | 11.16% | 16.95% | 10.64% |
| Return on assets | 1.28% | 1.91% | 1.13% |
| Return on invested capital | 5.57% | 10.56% | 8.33% |
Growth
Health
Dividend
Size
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