Civista Bancshares (NASDAQ:CIVB – Get Free Report) and Banco Santander Brasil (NYSE:BSBR – Get Free Report) are both finance companies, but which is the better investment? We will contrast the two companies based on the strength of their dividends, institutional ownership, analyst recommendations, valuation, profitability, earnings and risk.
Insider and Institutional Ownership
52.1% of Civista Bancshares shares are held by institutional investors. Comparatively, 14.5% of Banco Santander Brasil shares are held by institutional investors. 1.6% of Civista Bancshares shares are held by insiders. Comparatively, 0.1% of Banco Santander Brasil shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.
Valuation and Earnings
This table compares Civista Bancshares and Banco Santander Brasil”s gross 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 | 2.25 | $46.21 million | $2.70 | 10.22 |
| Banco Santander Brasil | $42.52 billion | 0.50 | $2.29 billion | N/A | N/A |
Banco Santander Brasil has higher revenue and earnings than Civista Bancshares.
Profitability
This table compares Civista Bancshares and Banco Santander Brasil’s 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% |
| Banco Santander Brasil | 7.06% | 10.49% | 1.04% |
Analyst Ratings
This is a summary of current ratings and price targets for Civista Bancshares and Banco Santander Brasil, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Civista Bancshares | 0 | 3 | 3 | 0 | 2.50 |
| Banco Santander Brasil | 2 | 2 | 0 | 0 | 1.50 |
Civista Bancshares currently has a consensus target price of $30.25, suggesting a potential upside of 9.60%. Banco Santander Brasil has a consensus target price of $6.00, suggesting a potential upside of 4.53%. Given Civista Bancshares’ stronger consensus rating and higher probable upside, analysts clearly believe Civista Bancshares is more favorable than Banco Santander Brasil.
Dividends
Civista Bancshares pays an annual dividend of $0.72 per share and has a dividend yield of 2.6%. Banco Santander Brasil pays an annual dividend of $0.27 per share and has a dividend yield of 4.7%. Civista Bancshares pays out 26.7% of its earnings in the form of a dividend. Civista Bancshares has increased its dividend for 4 consecutive years.
Risk & Volatility
Civista Bancshares has a beta of 0.66, indicating that its share price is 34% less volatile than the S&P 500. Comparatively, Banco Santander Brasil has a beta of 0.55, indicating that its share price is 45% less volatile than the S&P 500.
Summary
Civista Bancshares beats Banco Santander Brasil on 11 of the 15 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 Banco Santander Brasil
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Banco Santander (Brasil) S.A., together with its subsidiaries, provides various banking products and services to individuals, small and medium enterprises, and corporate customers in Brazil and internationally. The company operates through Commercial Banking and Global Wholesale Banking segments. It offers local loans, commercial financing options, development bank funds, and cash management services; export and import financing, guarantees, structuring of asset services. In addition, the company provides financing and advisory services for infrastructure projects and capital markets instruments, as well as offers equity transactions and mergers and acquisitions services. Further, it offers foreign exchange products, derivatives, and investments to institutional investors, corporate clients, and individuals. Additionally, the company provides research services, as well as offers brokerage services for corporate, institutional, and individual investors. Furthermore, it provides deposits and other bank funding instruments, and debit and credit cards. The company provides financial services and products to its customers through multichannel distribution network comprising branches, mini-branches, ATMs, call centers, Internet banking, and mobile banking. Banco Santander (Brasil) S.A. was incorporated in 1985 and is headquartered in São Paulo, Brazil. The company operates as a subsidiary of Banco Santander, S.A.
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