Civista Bancshares (CIVB) Competitors

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

Does the MarketBeat Community favor CIVB or INBK?

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

Do analysts rate CIVB or INBK?

Civista Bancshares currently has a consensus target price of $20.25, suggesting a potential downside of 0.54%. First Internet Bancorp has a consensus target price of $42.88, suggesting a potential upside of 23.63%. Given First Internet Bancorp's higher possible 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
Civista Bancshares	0 Sell rating(s)	2 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.50
First Internet Bancorp	0 Sell rating(s)	2 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.50

Which has higher earnings and valuation, CIVB or INBK?

Civista Bancshares has higher earnings, but lower revenue 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
Civista Bancshares	$219.90M	1.46	$42.96M	$2.01	10.13
First Internet Bancorp	$265.57M	1.13	$8.42M	$2.54	13.65

Is CIVB or INBK a better dividend stock?

Civista Bancshares pays an annual dividend of $0.64 per share and has a dividend yield of 3.1%. First Internet Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 0.7%. Civista Bancshares pays out 31.8% of its earnings in the form of a dividend. First Internet Bancorp pays out 9.4% 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 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.

Do insiders & institutionals hold more shares of CIVB or INBK?

52.1% of Civista Bancshares shares are owned by institutional investors. Comparatively, 65.5% of First Internet Bancorp shares are owned by institutional investors. 3.0% of Civista Bancshares shares are owned by company insiders. Comparatively, 7.1% of First Internet Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Which has more volatility and risk, CIVB or INBK?

Civista Bancshares has a beta of 0.8, indicating that its share price is 20% less volatile than the S&P 500. Comparatively, First Internet Bancorp has a beta of 0.66, indicating that its share price is 34% less volatile than the S&P 500.

Is CIVB or INBK 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 8.46% beat First Internet Bancorp's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Civista Bancshares	13.12%	8.46%	0.80%
First Internet Bancorp	6.92%	6.13%	0.43%

Does the media refer more to CIVB or INBK?

In the previous week, Civista Bancshares had 19 more articles in the media than First Internet Bancorp. MarketBeat recorded 19 mentions for Civista Bancshares and 0 mentions for First Internet Bancorp. Civista Bancshares' average media sentiment score of 0.46 beat First Internet Bancorp's score of 0.00 indicating that Civista Bancshares is being referred to more favorably in the media.

Company	Overall Sentiment
Civista Bancshares	Neutral
First Internet Bancorp	Neutral

Summary

Civista Bancshares beats First Internet Bancorp on 10 of the 19 factors compared between the two stocks.