CIVB
Civista Bancshares, Inc.
Banks - Regional
Market Cap$517M
5Y Perf.+64.0%
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Stock Comparison
CIVB vs MVBF
Revenue, margins, valuation, and 5-year total return — side by side.
MVBF
MVB Financial Corp.
Banks - Regional
Market Cap$339M
5Y Perf.+83.5%
CIVB vs MVBF — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | CIVB | MVBF |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $517M | $339M |
| Revenue (TTM) | $255M | $270M |
| Net Income (TTM) | $46M | $27M |
| Gross Margin | 66.4% | 71.7% |
| Operating Margin | 21.7% | 13.6% |
| Forward P/E | 8.8x | 15.2x |
| Total Debt | $284M | $77M |
| Cash & Equiv. | $77M | $244M |
CIVB vs MVBF — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
CIVB
MVBF
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Civista Bancshares,… (CIVB) | 100 | 164.0 | +64.0% |
| MVB Financial Corp. (MVBF) | 100 | 183.5 | +83.5% |
Price return only. Dividends and distributions are not included.
Quick Verdict: CIVB vs MVBF
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: CIVB leads in 4 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. MVB Financial Corp. is the stronger pick specifically for growth and revenue expansion and capital preservation and lower volatility. As sector peers, any of these can serve as alternatives in the same allocation.
CIVB
Civista Bancshares, Inc.
The Banking Pick
CIVB carries the broadest edge in this set and is the clearest fit for income & stability and long-term compounding.
- Dividend streak 10 yrs, beta 0.89, yield 2.7%
- 163.4% 10Y total return vs MVBF's 135.5%
- Beta 0.89, yield 2.7%, current ratio 4.32x
Best for: income & stability and long-term compounding
MVBF
MVB Financial Corp.
The Banking Pick
MVBF is the clearest fit if your priority is growth exposure and sleep-well-at-night.
- Rev growth 19.0%, EPS growth 34.6%
- Lower volatility, beta 0.84, Low D/E 23.2%, current ratio 0.09x
- NIM 3.2% vs CIVB's 3.2%
Best for: growth exposure and sleep-well-at-night
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | MVBF | 19.0% NII/revenue growth vs CIVB's 5.4% |
| Value | CIVB | Lower P/E (8.8x vs 15.2x) |
| Quality / Margins | CIVB | Efficiency ratio 0.4% vs MVBF's 0.6% (lower = leaner) |
| Stability / Safety | MVBF | Beta 0.84 vs CIVB's 0.89, lower leverage |
| Dividends | CIVB | 2.7% yield, 10-year raise streak, vs MVBF's 2.5% |
| Momentum (1Y) | MVBF | +53.4% vs CIVB's +12.7% |
| Efficiency (ROA) | CIVB | Efficiency ratio 0.4% vs MVBF's 0.6% |
CIVB vs MVBF — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2019
CIVB vs MVBF — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLCIVBLAGGINGMVBF
MVBFMVB Financial Corp.
2leads
CIVBCivista Bancshares, I…
4leads
6 Total Categories
CATEGORYLEADERvs MVBFMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
CIVB4/5
Valuation MetricsMultiples, price ratios, and targets
CIVB4/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
MVBF6/9
Total Returns1Y, 3Y, 5Y total returns with dividends
CIVB5/6
Risk & VolatilityBeta, volatility, and downside exposure
MVBF2/2
Analyst OutlookRatings, price targets, and dividends
CIVB2/2
Income & Cash Flow (Last 12 Months)
CIVB leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
MVBF and CIVB operate at a comparable scale, with $270M and $255M in trailing revenue. CIVB is the more profitable business, keeping 18.1% of every revenue dollar as net income compared to MVBF's 10.0%.
| Metric | CIVBCivista Bancshare… | MVBFMVB Financial Cor… |
|---|---|---|
| RevenueTrailing 12 months | $255M | $270M |
| EBITDAEarnings before interest/tax | $56M | $39M |
| Net IncomeAfter-tax profit | $46M | $27M |
| Free Cash FlowCash after capex | $17M | $2M |
| Gross MarginGross profit ÷ Revenue | +66.4% | +71.7% |
| Operating MarginEBIT ÷ Revenue | +21.7% | +13.6% |
| Net MarginNet income ÷ Revenue | +18.1% | +10.0% |
| FCF MarginFCF ÷ Revenue | +17.3% | +0.8% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -3.2% | -55.6% |
CIVB leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
CIVB leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
At 9.5x trailing earnings, CIVB trades at a 26% valuation discount to MVBF's 12.8x P/E. On an enterprise value basis, MVBF's 4.7x EV/EBITDA is more attractive than CIVB's 13.1x.
| Metric | CIVBCivista Bancshare… | MVBFMVB Financial Cor… |
|---|---|---|
| Market CapShares × price | $517M | $339M |
| Enterprise ValueMkt cap + debt − cash | $724M | $172M |
| Trailing P/EPrice ÷ TTM EPS | 9.46x | 12.81x |
| Forward P/EPrice ÷ next-FY EPS est. | 8.85x | 15.23x |
| PEG RatioP/E ÷ EPS growth rate | 1.66x | — |
| EV / EBITDAEnterprise value multiple | 13.11x | 4.67x |
| Price / SalesMarket cap ÷ Revenue | 2.03x | 1.25x |
| Price / BookPrice ÷ Book value/share | 0.80x | 1.04x |
| Price / FCFMarket cap ÷ FCF | 11.72x | 160.42x |
CIVB leads this category, winning 4 of 6 comparable metrics.
Profitability & Efficiency
MVBF leads this category, winning 6 of 9 comparable metrics.
Profitability & Efficiency
CIVB delivers a 10.0% return on equity — every $100 of shareholder capital generates $10 in annual profit, vs $8 for MVBF. MVBF carries lower financial leverage with a 0.23x debt-to-equity ratio, signaling a more conservative balance sheet compared to CIVB's 0.52x. On the Piotroski fundamental quality scale (0–9), MVBF scores 7/9 vs CIVB's 6/9, reflecting strong financial health.
| Metric | CIVBCivista Bancshare… | MVBFMVB Financial Cor… |
|---|---|---|
| ROE (TTM)Return on equity | +10.0% | +8.5% |
| ROA (TTM)Return on assets | +1.1% | +0.8% |
| ROICReturn on invested capital | +5.0% | +7.0% |
| ROCEReturn on capital employed | +2.3% | +8.2% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 7 |
| Debt / EquityFinancial leverage | 0.52x | 0.23x |
| Net DebtTotal debt minus cash | $207M | -$167M |
| Cash & Equiv.Liquid assets | $77M | $244M |
| Total DebtShort + long-term debt | $284M | $77M |
| Interest CoverageEBIT ÷ Interest expense | 0.67x | 0.54x |
MVBF leads this category, winning 6 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
CIVB leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in CIVB five years ago would be worth $12,143 today (with dividends reinvested), compared to $7,234 for MVBF. Over the past 12 months, MVBF leads with a +53.4% total return vs CIVB's +12.7%. The 3-year compound annual growth rate (CAGR) favors CIVB at 23.4% vs MVBF's 18.2% — a key indicator of consistent wealth creation.
| Metric | CIVBCivista Bancshare… | MVBFMVB Financial Cor… |
|---|---|---|
| YTD ReturnYear-to-date | +15.8% | +4.3% |
| 1-Year ReturnPast 12 months | +12.7% | +53.4% |
| 3-Year ReturnCumulative with dividends | +87.9% | +65.3% |
| 5-Year ReturnCumulative with dividends | +21.4% | -27.7% |
| 10-Year ReturnCumulative with dividends | +163.4% | +135.5% |
| CAGR (3Y)Annualised 3-year return | +23.4% | +18.2% |
CIVB leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
MVBF leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
MVBF is the less volatile stock with a 0.84 beta — it tends to amplify market swings less than CIVB's 0.89 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | CIVBCivista Bancshare… | MVBFMVB Financial Cor… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.86x | 0.83x |
| 52-Week HighHighest price in past year | $28.31 | $29.59 |
| 52-Week LowLowest price in past year | $18.95 | $17.13 |
| % of 52W HighCurrent price vs 52-week peak | +88.2% | +89.2% |
| RSI (14)Momentum oscillator 0–100 | 59.3 | 50.8 |
| Avg Volume (50D)Average daily shares traded | 84K | 34K |
MVBF leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
CIVB leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates CIVB as "Buy" and MVBF as "Buy". Consensus price targets imply 13.7% upside for MVBF (target: $30) vs 8.1% for CIVB (target: $27). For income investors, CIVB offers the higher dividend yield at 2.71% vs MVBF's 2.52%.
| Metric | CIVBCivista Bancshare… | MVBFMVB Financial Cor… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $27.00 | $30.00 |
| # AnalystsCovering analysts | 8 | 7 |
| Dividend YieldAnnual dividend ÷ price | +2.7% | +2.5% |
| Dividend StreakConsecutive years of raises | 10 | 0 |
| Dividend / ShareAnnual DPS | $0.68 | $0.66 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.0% | +3.0% |
CIVB leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
CIVB leads in 4 of 6 categories (Income & Cash Flow, Valuation Metrics). MVBF leads in 2 (Profitability & Efficiency, Risk & Volatility).
Best OverallCivista Bancshares, Inc. (CIVB)Leads 4 of 6 categories
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CIVB vs MVBF: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is CIVB or MVBF a better buy right now?
For growth investors, MVB Financial Corp.
(MVBF) is the stronger pick with 19. 0% revenue growth year-over-year, versus 5. 4% for Civista Bancshares, Inc. (CIVB). Civista Bancshares, Inc. (CIVB) offers the better valuation at 9. 5x trailing P/E (8. 8x forward), making it the more compelling value choice. Analysts rate Civista Bancshares, Inc. (CIVB) a "Buy" — based on 8 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — CIVB or MVBF?
On trailing P/E, Civista Bancshares, Inc.
(CIVB) is the cheapest at 9. 5x versus MVB Financial Corp. at 12. 8x. On forward P/E, Civista Bancshares, Inc. is actually cheaper at 8. 8x.
03Which is the better long-term investment — CIVB or MVBF?
Over the past 5 years, Civista Bancshares, Inc.
(CIVB) delivered a total return of +21. 4%, compared to -27. 7% for MVB Financial Corp. (MVBF). Over 10 years, the gap is even starker: CIVB returned +163. 5% versus MVBF's +133. 0%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — CIVB or MVBF?
By beta (market sensitivity over 5 years), MVB Financial Corp.
(MVBF) is the lower-risk stock at 0. 83β versus Civista Bancshares, Inc. 's 0. 86β — meaning CIVB is approximately 4% more volatile than MVBF relative to the S&P 500. On balance sheet safety, MVB Financial Corp. (MVBF) carries a lower debt/equity ratio of 23% versus 52% for Civista Bancshares, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — CIVB or MVBF?
By revenue growth (latest reported year), MVB Financial Corp.
(MVBF) is pulling ahead at 19. 0% versus 5. 4% for Civista Bancshares, Inc. (CIVB). On earnings-per-share growth, the picture is similar: MVB Financial Corp. grew EPS 34. 6% year-over-year, compared to 31. 3% for Civista Bancshares, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — CIVB or MVBF?
Civista Bancshares, Inc.
(CIVB) is the more profitable company, earning 18. 1% net margin versus 10. 0% for MVB Financial Corp. — meaning it keeps 18. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: CIVB leads at 21. 7% versus 13. 6% for MVBF. At the gross margin level — before operating expenses — MVBF leads at 71. 7%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is CIVB or MVBF more undervalued right now?
On forward earnings alone, Civista Bancshares, Inc.
(CIVB) trades at 8. 8x forward P/E versus 15. 2x for MVB Financial Corp. — 6. 4x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for MVBF: 13. 7% to $30. 00.
08Which pays a better dividend — CIVB or MVBF?
All stocks in this comparison pay dividends.
Civista Bancshares, Inc. (CIVB) offers the highest yield at 2. 7%, versus 2. 5% for MVB Financial Corp. (MVBF).
09Is CIVB or MVBF better for a retirement portfolio?
For long-horizon retirement investors, MVB Financial Corp.
(MVBF) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 83), 2. 5% yield, +133. 0% 10Y return). Both have compounded well over 10 years (MVBF: +133. 0%, CIVB: +163. 5%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between CIVB and MVBF?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: CIVB is a small-cap deep-value stock; MVBF is a small-cap high-growth stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(CIVB: 5.4% · MVBF: 19.0%)Net Margin>
%
(CIVB: 18.1% · MVBF: 10.0%)P/E Ratio<
x
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