Civista Bancshares (NASDAQ:CIVB – Get Free Report) and 1st Source (NASDAQ:SRCE – Get Free Report) are both small-cap finance companies, but which is the better business? We will compare the two businesses based on the strength of their analyst recommendations, dividends, earnings, risk, valuation, institutional ownership and profitability.
Valuation and Earnings
This table compares Civista Bancshares and 1st Source”s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Civista Bancshares | $254.95 million | 1.97 | $46.21 million | $2.72 | 8.90 |
| 1st Source | $600.00 million | 2.86 | $158.28 million | $6.52 | 10.93 |
Dividends
Civista Bancshares pays an annual dividend of $0.72 per share and has a dividend yield of 3.0%. 1st Source pays an annual dividend of $1.72 per share and has a dividend yield of 2.4%. Civista Bancshares pays out 26.5% of its earnings in the form of a dividend. 1st Source pays out 26.4% 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 raised its dividend for 4 consecutive years and 1st Source has raised its dividend for 38 consecutive years.
Volatility and Risk
Civista Bancshares has a beta of 0.67, suggesting that its stock price is 33% less volatile than the S&P 500. Comparatively, 1st Source has a beta of 0.59, suggesting that its stock price is 41% less volatile than the S&P 500.
Profitability
This table compares Civista Bancshares and 1st Source’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Civista Bancshares | 19.73% | 10.70% | 1.26% |
| 1st Source | 26.66% | 12.39% | 1.77% |
Institutional & Insider Ownership
52.1% of Civista Bancshares shares are owned by institutional investors. Comparatively, 74.5% of 1st Source shares are owned by institutional investors. 1.6% of Civista Bancshares shares are owned by company insiders. Comparatively, 20.2% of 1st Source shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.
Analyst Ratings
This is a breakdown of current ratings and recommmendations for Civista Bancshares and 1st Source, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Civista Bancshares | 0 | 3 | 3 | 1 | 2.71 |
| 1st Source | 0 | 3 | 1 | 1 | 2.60 |
Civista Bancshares currently has a consensus price target of $26.60, indicating a potential upside of 9.83%. 1st Source has a consensus price target of $77.00, indicating a potential upside of 8.09%. Given Civista Bancshares’ stronger consensus rating and higher probable upside, research analysts clearly believe Civista Bancshares is more favorable than 1st Source.
Summary
1st Source beats Civista Bancshares on 12 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 1st Source
1st Source Corporation operates as the bank holding company for 1st Source Bank that provides commercial and consumer banking services, trust and wealth advisory services, and insurance products to individual and business clients. Its consumer banking services include checking and savings accounts; certificates of deposit; individual retirement accounts; online and mobile banking products; consumer loans, real estate mortgage loans, and home equity lines of credit; and financial planning, financial literacy, and other consultative services, as well as debit and credit cards. The company also offers commercial, small business, agricultural, and real estate loans for general corporate purposes, including financing for industrial and commercial properties, equipment, inventories, accounts receivables, and renewable energy and acquisition financing; and commercial leasing, treasury management, and retirement planning services. In addition, it provides trust, investment, agency, and custodial services comprising administration of estates and personal trusts, as well as management of investment accounts for individuals, employee benefit plans, and charitable foundations. Further, the company offers equipment loan and lease products for construction equipment, new and pre-owned aircraft, auto and light trucks, and medium and heavy duty trucks; and finances construction equipment, aircrafts, medium and heavy duty trucks, step vans, vocational work trucks, motor coaches, shuttle buses, funeral cars, automobiles, and other equipment. Additionally, it provides corporate and personal property, casualty, and individual and group health and life insurance products and services. 1st Source Corporation was founded in 1863 and is headquartered in South Bend, Indiana.
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