CIVB Quote, Financials, Valuation and Earnings

Citizens & Northern has a net margin of 21.84% compared to Civista Bancshares's net margin of 23.77%. Civista Bancshares's return on equity of 8.53% beat Citizens & Northern's return on equity of 8.45%.

Civista Bancshares has a consensus price target of $23.83, signalling upside risk potential of 18.81%. On the other hand Citizens & Northern has an analysts' consensus of $21.00 which suggests that it could grow by 13.7%. Given that Civista Bancshares has higher upside potential than Citizens & Northern, analysts believe Civista Bancshares is more attractive than Citizens & Northern.

Civista Bancshares has a beta of 0.819, which suggesting that the stock is 18.084% less volatile than S&P 500. In comparison Citizens & Northern has a beta of 0.483, suggesting its less volatile than the S&P 500 by 51.662%.

Civista Bancshares has a quarterly dividend of $0.16 per share corresponding to a yield of 3.19%. Citizens & Northern offers a yield of 6.06% to investors and pays a quarterly dividend of $0.28 per share. Civista Bancshares pays 22.34% of its earnings as a dividend. Citizens & Northern pays out 64.47% 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 $38.3M, which are larger than Citizens & Northern quarterly revenues of $26.8M. Civista Bancshares's net income of $8.4M is higher than Citizens & Northern's net income of $6.4M. Notably, Civista Bancshares's price-to-earnings ratio is 9.98x while Citizens & Northern's PE ratio is 12.83x. 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 2.06x versus 2.71x for Citizens & Northern. Usually stocks with elevated PS ratios are considered overvalued.

Evans Bancorp has a net margin of 21.84% compared to Civista Bancshares's net margin of 16.32%. Civista Bancshares's return on equity of 8.53% beat Evans Bancorp's return on equity of 10.61%.

Civista Bancshares has a consensus price target of $23.83, signalling upside risk potential of 18.81%. On the other hand Evans Bancorp has an analysts' consensus of $50.05 which suggests that it could grow by 17.49%. Given that Civista Bancshares has higher upside potential than Evans Bancorp, analysts believe Civista Bancshares is more attractive than Evans Bancorp.

Civista Bancshares has a beta of 0.819, which suggesting that the stock is 18.084% less volatile than S&P 500. In comparison Evans Bancorp has a beta of 0.927, suggesting its less volatile than the S&P 500 by 7.33%.

Civista Bancshares has a quarterly dividend of $0.16 per share corresponding to a yield of 3.19%. Evans Bancorp offers a yield of 3.1% to investors and pays a quarterly dividend of $0.66 per share. Civista Bancshares pays 22.34% of its earnings as a dividend. Evans Bancorp pays out 29.45% 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 $38.3M, which are larger than Evans Bancorp quarterly revenues of $18M. Civista Bancshares's net income of $8.4M is higher than Evans Bancorp's net income of $2.9M. Notably, Civista Bancshares's price-to-earnings ratio is 9.98x while Evans Bancorp's PE ratio is 12.79x. 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 2.06x versus 2.81x for Evans Bancorp. Usually stocks with elevated PS ratios are considered overvalued.

Park National has a net margin of 21.84% compared to Civista Bancshares's net margin of 27.77%. Civista Bancshares's return on equity of 8.53% beat Park National's return on equity of 11.8%.

Civista Bancshares has a consensus price target of $23.83, signalling upside risk potential of 18.81%. On the other hand Park National has an analysts' consensus of $181.00 which suggests that it could grow by 5.04%. 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 0.819, which suggesting that the stock is 18.084% less volatile than S&P 500. In comparison Park National has a beta of 0.739, suggesting its less volatile than the S&P 500 by 26.053%.

Civista Bancshares has a quarterly dividend of $0.16 per share corresponding to a yield of 3.19%. Park National offers a yield of 2.46% to investors and pays a quarterly dividend of $1.56 per share. Civista Bancshares pays 22.34% of its earnings as a dividend. Park National pays out 54.41% 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 $38.3M, which are smaller than Park National quarterly revenues of $137.6M. Civista Bancshares's net income of $8.4M is lower than Park National's net income of $38.2M. Notably, Civista Bancshares's price-to-earnings ratio is 9.98x while Park National's PE ratio is 20.39x. 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 2.06x versus 5.63x for Park National. Usually stocks with elevated PS ratios are considered overvalued.

Tompkins Financial has a net margin of 21.84% compared to Civista Bancshares's net margin of 24.66%. Civista Bancshares's return on equity of 8.53% beat Tompkins Financial's return on equity of 9.88%.

Civista Bancshares has a consensus price target of $23.83, signalling upside risk potential of 18.81%. On the other hand Tompkins Financial has an analysts' consensus of $83.00 which suggests that it could grow by 24.78%. 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 0.819, which suggesting that the stock is 18.084% less volatile than S&P 500. In comparison Tompkins Financial has a beta of 0.735, suggesting its less volatile than the S&P 500 by 26.471%.

Civista Bancshares has a quarterly dividend of $0.16 per share corresponding to a yield of 3.19%. Tompkins Financial offers a yield of 3.67% to investors and pays a quarterly dividend of $0.62 per share. Civista Bancshares pays 22.34% of its earnings as a dividend. Tompkins Financial pays out 363.09% of its earnings as a dividend. Civista Bancshares's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future, but Tompkins Financial's is not.

Civista Bancshares quarterly revenues are $38.3M, which are smaller than Tompkins Financial quarterly revenues of $75.6M. Civista Bancshares's net income of $8.4M is lower than Tompkins Financial's net income of $18.6M. Notably, Civista Bancshares's price-to-earnings ratio is 9.98x while Tompkins Financial's PE ratio is 14.37x. 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 2.06x versus 3.28x for Tompkins Financial. Usually stocks with elevated PS ratios are considered overvalued.