Civista Bancshares (NASDAQ:CIVB – Get Free Report) and Hawthorn Bancshares (NASDAQ:HWBK – Get Free Report) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their analyst recommendations, institutional ownership, valuation, earnings, risk, dividends and profitability.
Institutional & Insider Ownership
52.1% of Civista Bancshares shares are owned by institutional investors. Comparatively, 30.7% of Hawthorn Bancshares shares are owned by institutional investors. 1.6% of Civista Bancshares shares are owned by insiders. Comparatively, 22.9% of Hawthorn Bancshares shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.
Earnings & Valuation
This table compares Civista Bancshares and Hawthorn Bancshares”s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Civista Bancshares | $182.43 million | 3.09 | $46.21 million | $2.70 | 10.03 |
| Hawthorn Bancshares | $111.97 million | 2.37 | $23.80 million | $3.82 | 10.07 |
Civista Bancshares has higher revenue and earnings than Hawthorn Bancshares. Civista Bancshares is trading at a lower price-to-earnings ratio than Hawthorn Bancshares, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares Civista Bancshares and Hawthorn Bancshares’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Civista Bancshares | 20.79% | 10.65% | 1.35% |
| Hawthorn Bancshares | 22.77% | 15.15% | 1.42% |
Dividends
Civista Bancshares pays an annual dividend of $0.72 per share and has a dividend yield of 2.7%. Hawthorn Bancshares pays an annual dividend of $0.84 per share and has a dividend yield of 2.2%. Civista Bancshares pays out 26.7% of its earnings in the form of a dividend. Hawthorn Bancshares pays out 22.0% 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 4 consecutive years and Hawthorn Bancshares has increased its dividend for 5 consecutive years.
Volatility and Risk
Civista Bancshares has a beta of 0.65, indicating that its share price is 35% less volatile than the S&P 500. Comparatively, Hawthorn Bancshares has a beta of 0.45, indicating that its share price is 55% less volatile than the S&P 500.
Analyst Ratings
This is a breakdown of recent ratings and target prices for Civista Bancshares and Hawthorn Bancshares, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Civista Bancshares | 0 | 3 | 3 | 0 | 2.50 |
| Hawthorn Bancshares | 0 | 0 | 1 | 0 | 3.00 |
Civista Bancshares presently has a consensus price target of $30.25, suggesting a potential upside of 11.71%. Given Civista Bancshares’ higher probable upside, analysts plainly believe Civista Bancshares is more favorable than Hawthorn Bancshares.
Summary
Hawthorn Bancshares beats Civista Bancshares on 9 of the 17 factors compared between the two stocks.
About Civista Bancshares
Civista Bancshares, Inc. operates as the financial holding company for Civista Bank that provides community banking services. It collects a range of customer deposits; and offers commercial and agriculture, commercial and residential real estate, farm real estate, real estate construction, consumer, and other loans, as well as letters of credit. The company also holds and manages securities portfolio; leases general equipment; and provides captive insurance products. It operates in North Central, West Central, South Western Ohio, South Eastern Indiana, and Northern Kentucky. The company was formerly known as First Citizens Banc Corp and changed its name to Civista Bancshares, Inc. in May 2015. Civista Bancshares, Inc. was founded in 1884 and is headquartered in Sandusky, Ohio.
About Hawthorn Bancshares
Hawthorn Bancshares, Inc. operates as the bank holding company for Hawthorn Bank that provides various banking services in the United States. It accepts checking, savings, money market, individual retirement, and other time deposit accounts, as well as certificates of deposit. The company also offers commercial and industrial, single payment personal, installment, commercial and residential real estate, and consumer loans, as well as equipment, operating, and small business administration loans; and debit and credit cards. In addition, it provides trust services that include estate planning, investment, and asset management services; and cash management, safety deposit box, brokerage, and Internet banking services. Hawthorn Bancshares, Inc. was founded in 1865 and is headquartered in Jefferson City, Missouri.
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