Civista Bancshares (CIVB) & First NBC Bank (FNBCQ) Head-To-Head Review

Civista Bancshares (NASDAQ:CIVB) and First NBC Bank (OTCMKTS:FNBCQ) are both finance companies, but which is the better business? We will contrast the two businesses based on the strength of their valuation, dividends, earnings, analyst recommendations, profitability, institutional ownership and risk.

Profitability

This table compares Civista Bancshares and First NBC Bank’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Civista Bancshares 16.63% 10.70% 1.39%
First NBC Bank N/A N/A N/A

Analyst Ratings

This is a breakdown of recent ratings and target prices for Civista Bancshares and First NBC Bank, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Civista Bancshares 0 1 2 0 2.67
First NBC Bank 0 0 0 0 N/A

Civista Bancshares currently has a consensus price target of $28.50, suggesting a potential upside of 24.89%. Given Civista Bancshares’ higher probable upside, analysts clearly believe Civista Bancshares is more favorable than First NBC Bank.

Valuation & Earnings

This table compares Civista Bancshares and First NBC Bank’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Civista Bancshares $91.81 million 3.88 $14.14 million $1.85 12.34
First NBC Bank N/A N/A N/A N/A N/A

Civista Bancshares has higher revenue and earnings than First NBC Bank.

Volatility and Risk

Civista Bancshares has a beta of 0.81, indicating that its share price is 19% less volatile than the S&P 500. Comparatively, First NBC Bank has a beta of 1.8, indicating that its share price is 80% more volatile than the S&P 500.

Dividends

Civista Bancshares pays an annual dividend of $0.44 per share and has a dividend yield of 1.9%. First NBC Bank pays an annual dividend of $0.12 per share and has a dividend yield of 240.0%. Civista Bancshares pays out 23.8% of its earnings in the form of a dividend. Civista Bancshares has raised its dividend for 3 consecutive years.

Institutional & Insider Ownership

51.3% of Civista Bancshares shares are owned by institutional investors. 3.5% of Civista Bancshares shares are owned by company insiders. Comparatively, 8.4% of First NBC Bank shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Summary

Civista Bancshares beats First NBC Bank on 8 of the 12 factors compared between the two stocks.

Civista Bancshares Company Profile

Civista Bancshares, Inc. operates as the financial holding company for Civista Bank that engages in the community banking business in Ohio. The company accepts noninterest-bearing and interest-bearing demand deposits, and certificates of deposit. It offers commercial, commercial and residential real estate mortgage, real estate construction, and consumer loans. The company also provides trust and third party insurance services. It operates branch banking offices in Sandusky, Norwalk, Berlin Heights, Huron, Port Clinton, Castalia, New Washington, Shelby, Willard, Greenwich, Plymouth, Shiloh, Akron, Dublin, Plain City, Russells Point, Urbana, West Liberty, Quincy, and Dayton communities of Ohio, as well as loan production offices in Mayfield Heights, and Westlake, Ohio. 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 based in Sandusky, Ohio.

First NBC Bank Company Profile

First NBC Bank Holding Company operates as the bank holding company for First NBC Bank that provides a range of financial services for businesses, institutions, and individuals. The company's deposit products include savings deposits, money market accounts, negotiable order of withdrawal accounts, and certificates of deposit. Its loan portfolio comprises construction, commercial and consumer real estate, commercial and industrial, and consumer loans. The company also offers trust services, credit cards, and wire transfers. As of August 15, 2016, it operated 39 full service banking offices in New Orleans metropolitan area, Mississippi Gulf Coast, and the Florida panhandle. First NBC Bank Holding Company was founded in 2006 and is headquartered in New Orleans, Louisiana. On May 11, 2017, First NBC Bank Holding Company filed a voluntary petition for reorganization under Chapter 11 in the US Bankruptcy Court for the Eastern District of Louisiana.

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