CIVB Quote, Financials, Valuation and Earnings

OptimumBank Holdings has a net margin of 25.39% compared to Civista Bancshares's net margin of 36.31%. Civista Bancshares's return on equity of 9.22% beat OptimumBank Holdings's return on equity of 15.42%.

Civista Bancshares has a consensus price target of $25.67, signalling upside risk potential of 16.35%. On the other hand OptimumBank Holdings has an analysts' consensus of $5.00 which suggests that it could grow by 13.38%. Given that Civista Bancshares has higher upside potential than OptimumBank Holdings, analysts believe Civista Bancshares is more attractive than OptimumBank Holdings.

Civista Bancshares has a beta of 0.688, which suggesting that the stock is 31.154% less volatile than S&P 500. In comparison OptimumBank Holdings has a beta of 0.492, suggesting its less volatile than the S&P 500 by 50.773%.

Civista Bancshares has a quarterly dividend of $0.17 per share corresponding to a yield of 2.99%. OptimumBank Holdings offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. Civista Bancshares pays 31.76% of its earnings as a dividend. OptimumBank Holdings pays out -- of its earnings as a dividend. Civista Bancshares's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

Civista Bancshares quarterly revenues are $40.1M, which are larger than OptimumBank Holdings quarterly revenues of $10.7M. Civista Bancshares's net income of $10.2M is higher than OptimumBank Holdings's net income of $3.9M. Notably, Civista Bancshares's price-to-earnings ratio is 9.72x while OptimumBank Holdings's PE ratio is 3.32x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Civista Bancshares is 2.19x versus 1.18x for OptimumBank Holdings. Usually stocks with elevated PS ratios are considered overvalued.

Park National has a net margin of 25.39% compared to Civista Bancshares's net margin of 32.4%. Civista Bancshares's return on equity of 9.22% beat Park National's return on equity of 12.97%.

Civista Bancshares has a consensus price target of $25.67, signalling upside risk potential of 16.35%. On the other hand Park National has an analysts' consensus of $170.67 which suggests that it could grow by 8.41%. Given that Civista Bancshares has higher upside potential than Park National, analysts believe Civista Bancshares is more attractive than Park National.

Civista Bancshares has a beta of 0.688, which suggesting that the stock is 31.154% less volatile than S&P 500. In comparison Park National has a beta of 0.823, suggesting its less volatile than the S&P 500 by 17.656%.

Civista Bancshares has a quarterly dividend of $0.17 per share corresponding to a yield of 2.99%. Park National offers a yield of 2.71% to investors and pays a quarterly dividend of $1.07 per share. Civista Bancshares pays 31.76% of its earnings as a dividend. Park National pays out 51.18% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

Civista Bancshares quarterly revenues are $40.1M, which are smaller than Park National quarterly revenues of $130.1M. Civista Bancshares's net income of $10.2M is lower than Park National's net income of $42.2M. Notably, Civista Bancshares's price-to-earnings ratio is 9.72x while Park National's PE ratio is 16.16x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Civista Bancshares is 2.19x versus 4.84x for Park National. Usually stocks with elevated PS ratios are considered overvalued.

First Financial has a net margin of 25.39% compared to Civista Bancshares's net margin of 29.46%. Civista Bancshares's return on equity of 9.22% beat First Financial's return on equity of 10%.

Civista Bancshares has a consensus price target of $25.67, signalling upside risk potential of 16.35%. On the other hand First Financial has an analysts' consensus of $56.67 which suggests that it could grow by 10.63%. Given that Civista Bancshares has higher upside potential than First Financial, analysts believe Civista Bancshares is more attractive than First Financial.

Civista Bancshares has a beta of 0.688, which suggesting that the stock is 31.154% less volatile than S&P 500. In comparison First Financial has a beta of 0.424, suggesting its less volatile than the S&P 500 by 57.566%.

Civista Bancshares has a quarterly dividend of $0.17 per share corresponding to a yield of 2.99%. First Financial offers a yield of 3.75% to investors and pays a quarterly dividend of $0.51 per share. Civista Bancshares pays 31.76% of its earnings as a dividend. First Financial pays out 44.95% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

Civista Bancshares quarterly revenues are $40.1M, which are smaller than First Financial quarterly revenues of $62.5M. Civista Bancshares's net income of $10.2M is lower than First Financial's net income of $18.4M. Notably, Civista Bancshares's price-to-earnings ratio is 9.72x while First Financial's PE ratio is 11.09x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Civista Bancshares is 2.19x versus 2.61x for First Financial. Usually stocks with elevated PS ratios are considered overvalued.

Tompkins Financial has a net margin of 25.39% compared to Civista Bancshares's net margin of 24.09%. Civista Bancshares's return on equity of 9.22% beat Tompkins Financial's return on equity of 10.46%.

Civista Bancshares has a consensus price target of $25.67, signalling upside risk potential of 16.35%. On the other hand Tompkins Financial has an analysts' consensus of $72.50 which suggests that it could grow by 19.07%. Given that Tompkins Financial has higher upside potential than Civista Bancshares, analysts believe Tompkins Financial is more attractive than Civista Bancshares.

Civista Bancshares has a beta of 0.688, which suggesting that the stock is 31.154% less volatile than S&P 500. In comparison Tompkins Financial has a beta of 0.907, suggesting its less volatile than the S&P 500 by 9.302%.

Civista Bancshares has a quarterly dividend of $0.17 per share corresponding to a yield of 2.99%. Tompkins Financial offers a yield of 4.06% to investors and pays a quarterly dividend of $0.62 per share. Civista Bancshares pays 31.76% of its earnings as a dividend. Tompkins Financial pays out 49.47% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

Civista Bancshares quarterly revenues are $40.1M, which are smaller than Tompkins Financial quarterly revenues of $81.7M. Civista Bancshares's net income of $10.2M is lower than Tompkins Financial's net income of $19.7M. Notably, Civista Bancshares's price-to-earnings ratio is 9.72x while Tompkins Financial's PE ratio is 11.85x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for Civista Bancshares is 2.19x versus 2.85x for Tompkins Financial. Usually stocks with elevated PS ratios are considered overvalued.