CIVB vs. BCML, USCB, SSBK, SBNY, MVBF, PCB, FRBA, JMSB, LNKB, and FVCB
Should you be buying Civista Bancshares stock or one of its competitors? The main competitors of Civista Bancshares include BayCom (BCML), USCB Financial (USCB), Southern States Bancshares (SSBK), Signature Bank (SBNY), MVB Financial (MVBF), PCB Bancorp (PCB), First Bank (FRBA), John Marshall Bancorp (JMSB), LINKBANCORP (LNKB), and FVCBankcorp (FVCB). These companies are all part of the "state commercial banks" industry.
BayCom (NASDAQ:BCML) and Civista Bancshares (NASDAQ:CIVB) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their profitability, community ranking, risk, media sentiment, analyst recommendations, earnings, valuation, dividends and institutional ownership.
BayCom pays an annual dividend of $0.40 per share and has a dividend yield of 2.0%. Civista Bancshares pays an annual dividend of $0.64 per share and has a dividend yield of 4.4%. BayCom pays out 18.1% of its earnings in the form of a dividend. Civista Bancshares pays out 27.5% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. BayCom has raised its dividend for 1 consecutive years and Civista Bancshares has raised its dividend for 13 consecutive years. Civista Bancshares is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
66.2% of BayCom shares are owned by institutional investors. Comparatively, 52.1% of Civista Bancshares shares are owned by institutional investors. 7.2% of BayCom shares are owned by company insiders. Comparatively, 3.0% of Civista Bancshares shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.
BayCom has a net margin of 19.27% compared to BayCom's net margin of 16.38%. BayCom's return on equity of 10.23% beat Civista Bancshares' return on equity.
BayCom presently has a consensus price target of $24.00, suggesting a potential upside of 17.94%. Civista Bancshares has a consensus price target of $17.75, suggesting a potential upside of 21.41%. Given BayCom's higher possible upside, analysts plainly believe Civista Bancshares is more favorable than BayCom.
BayCom has a beta of 0.76, meaning that its share price is 24% less volatile than the S&P 500. Comparatively, Civista Bancshares has a beta of 0.79, meaning that its share price is 21% less volatile than the S&P 500.
Civista Bancshares received 177 more outperform votes than BayCom when rated by MarketBeat users. Likewise, 58.33% of users gave Civista Bancshares an outperform vote while only 54.67% of users gave BayCom an outperform vote.
Civista Bancshares has higher revenue and earnings than BayCom. Civista Bancshares is trading at a lower price-to-earnings ratio than BayCom, indicating that it is currently the more affordable of the two stocks.
In the previous week, Civista Bancshares had 1 more articles in the media than BayCom. MarketBeat recorded 5 mentions for Civista Bancshares and 4 mentions for BayCom. BayCom's average media sentiment score of 1.09 beat Civista Bancshares' score of 0.62 indicating that Civista Bancshares is being referred to more favorably in the news media.
Summary
Civista Bancshares beats BayCom on 12 of the 20 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding CIVB and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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