Civista Bancshares (CIVB) Competitors

First Internet Bancorp (NASDAQ:INBK) and Civista Bancshares (NASDAQ:CIVB) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their risk, institutional ownership, dividends, profitability, media sentiment, community ranking, analyst recommendations, earnings and valuation.

Do institutionals and insiders have more ownership in INBK or CIVB?

65.5% of First Internet Bancorp shares are owned by institutional investors. Comparatively, 52.1% of Civista Bancshares shares are owned by institutional investors. 7.1% of First Internet Bancorp 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 endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Is INBK or CIVB a better dividend stock?

First Internet Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 0.6%. Civista Bancshares pays an annual dividend of $0.64 per share and has a dividend yield of 2.9%. First Internet Bancorp pays out 9.4% of its earnings in the form of a dividend. Civista Bancshares pays out 31.8% 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. 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.

Does the media refer more to INBK or CIVB?

In the previous week, First Internet Bancorp and First Internet Bancorp both had 3 articles in the media. First Internet Bancorp's average media sentiment score of 1.03 beat Civista Bancshares' score of 0.57 indicating that First Internet Bancorp is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
First Internet Bancorp	3 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Civista Bancshares	1 Very Positive mention(s)	0 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Which has stronger valuation & earnings, INBK or CIVB?

Civista Bancshares has higher revenue and earnings than First Internet Bancorp. Civista Bancshares is trading at a lower price-to-earnings ratio than First Internet Bancorp, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First Internet Bancorp	$116.63M	2.94	$8.42M	$2.54	15.55
Civista Bancshares	$219.90M	1.60	$42.96M	$2.01	11.12

Do analysts prefer INBK or CIVB?

First Internet Bancorp currently has a consensus price target of $42.88, suggesting a potential upside of 8.54%. Civista Bancshares has a consensus price target of $20.25, suggesting a potential downside of 9.44%. Given First Internet Bancorp's higher probable upside, analysts clearly believe First Internet Bancorp is more favorable than Civista Bancshares.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Internet Bancorp	0 Sell rating(s)	2 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.50
Civista Bancshares	0 Sell rating(s)	2 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.50

Is INBK or CIVB more profitable?

Civista Bancshares has a net margin of 13.12% compared to First Internet Bancorp's net margin of 6.92%. Civista Bancshares' return on equity of 8.33% beat First Internet Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
First Internet Bancorp	6.92%	6.06%	0.42%
Civista Bancshares	13.12%	8.33%	0.80%

Which has more volatility & risk, INBK or CIVB?

First Internet Bancorp has a beta of 0.66, suggesting that its stock price is 34% less volatile than the S&P 500. Comparatively, Civista Bancshares has a beta of 0.78, suggesting that its stock price is 22% less volatile than the S&P 500.

Does the MarketBeat Community believe in INBK or CIVB?

First Internet Bancorp received 1 more outperform votes than Civista Bancshares when rated by MarketBeat users. Likewise, 62.09% of users gave First Internet Bancorp an outperform vote while only 58.26% of users gave Civista Bancshares an outperform vote.

Company	Underperform	Outperform
First Internet Bancorp	Outperform Votes 262 62.09%	Underperform Votes 160 37.91%
Civista Bancshares	Outperform Votes 261 58.26%	Underperform Votes 187 41.74%

Summary

First Internet Bancorp beats Civista Bancshares on 10 of the 18 factors compared between the two stocks.