CIVB vs. BCML, USCB, FRBA, MVBF, PCB, SSBK, SBNY, JMSB, LNKB, and OVLY
Should you be buying Civista Bancshares stock or one of its competitors? The main competitors of Civista Bancshares include BayCom (BCML), USCB Financial (USCB), First Bank (FRBA), MVB Financial (MVBF), PCB Bancorp (PCB), Southern States Bancshares (SSBK), Signature Bank (SBNY), John Marshall Bancorp (JMSB), LINKBANCORP (LNKB), and Oak Valley Bancorp (OVLY). 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 superior business? We will compare the two businesses based on the strength of their profitability, media sentiment, dividends, institutional ownership, analyst recommendations, valuation, earnings, risk and community ranking.
In the previous week, BayCom and BayCom both had 1 articles in the media. Civista Bancshares' average media sentiment score of 1.93 beat BayCom's score of 1.66 indicating that BayCom is being referred to more favorably in the media.
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 has a beta of 0.76, indicating that its stock price is 24% less volatile than the S&P 500. Comparatively, Civista Bancshares has a beta of 0.79, indicating that its stock price is 21% less volatile than the S&P 500.
BayCom presently has a consensus target price of $24.00, suggesting a potential upside of 15.66%. Civista Bancshares has a consensus target price of $17.75, suggesting a potential upside of 17.78%. Given BayCom's higher probable upside, analysts clearly believe Civista Bancshares is more favorable than BayCom.
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.
66.2% of BayCom shares are held by institutional investors. Comparatively, 52.1% of Civista Bancshares shares are held by institutional investors. 6.6% of BayCom shares are held by insiders. Comparatively, 3.0% of Civista Bancshares shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.
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.
BayCom pays an annual dividend of $0.40 per share and has a dividend yield of 1.9%. Civista Bancshares pays an annual dividend of $0.64 per share and has a dividend yield of 4.2%. 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 increased its dividend for 1 consecutive years and Civista Bancshares has increased 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.
Summary
Civista Bancshares beats BayCom on 10 of the 19 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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