CIVB vs FBIZ: stock comparison and AI forecast
Civista Bancshares, Inc. (CIVB) and First Business Financial Services, Inc. (FBIZ) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
CIVB Civista Bancshares, Inc.
- Market Cap
- $603M
- P/E Ratio
- 11.1x
- Size
- small-cap
- AI Forecast
FBIZ First Business Financial Services, Inc.
- Price
- $75.40 +34.2% · 6M
- Market Cap
- $631M
- P/E Ratio
- 11.1x
- Size
- small-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Key facts
- CIVB and FBIZ have similar market capitalizations ($603M and $631M).
- CIVB trades at 11.1 times trailing earnings, FBIZ at 11.1 times.
- FBIZ turns 33.5% of its revenue into net income, against 27.3% for CIVB.
- FBIZ carries 9.98 times debt per unit of equity, against 9.36 times for CIVB.
- CIVB yields 2.33% in dividends and FBIZ 1.76%.
- Both companies share the SEC industry classification State Commercial Banks.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | CIVB | FBIZ |
|---|---|---|
| Market Cap | $603M | $631M |
| P/E Ratio | 11.06x | 11.09x |
| P/B Ratio | 1.49x | 1.56x |
| Dividend Yield | 2.33% | 1.76% |
| EPS | $2.62 | $6.80 |
| Book Value/Share | $19.44 | $48.35 |
| Revenue/Share | $8.82 | $20.54 |
| FCF/Share | – | $8.11 |
Profitability & Margins
| Metric | CIVB | FBIZ |
|---|---|---|
| ROE | 10.9% | 14.3% |
| ROA | – | 1.3% |
| Net Margin | 27.3% | 33.5% |
| EBT Margin | 40.6% | 38.9% |
| Tax Rate | 17.2% | 13.7% |
Financial Health
| Metric | CIVB | FBIZ |
|---|---|---|
| D/E Ratio | 9.36x | 9.98x |
| Financial Leverage | – | 10.98x |
Cash Flow
| Metric | CIVB | FBIZ |
|---|---|---|
| Operating Cash Flow | $58M | $68M |
| Free Cash Flow | – | $68M |
| Capital Spending | – | -$640K |
| OCF Growth YoY | 15.2% | 1.4% |
| FCF Growth YoY | – | 1.4% |
| FCF/Sales | – | 39.5% |
| CapEx/Sales | – | 0.4% |
Operational Efficiency
| Metric | CIVB | FBIZ |
|---|---|---|
| Asset Turnover | – | 0.04x |
| Fixed Assets Turnover | 4.9x | 39.6x |
Income Statement
| Metric | CIVB | FBIZ |
|---|---|---|
| Total Revenue | $183M | $172M |
| Net Income | $44M | $58M |
Dividend & Shareholder Information
| Metric | CIVB | FBIZ |
|---|---|---|
| Dividends Per Share | $0.68 | $1.33 |
| Payout Ratio | 25.9% | 19.6% |
| Shares Outstanding | 21M | 8M |
| Net Income Growth | 11.7% | 12.2% |
| EPS Growth | 15.4% | 12.2% |
CIVB vs FBIZ: stock comparison and AI forecast
Which is bigger, CIVB or FBIZ?
CIVB and FBIZ have similar market capitalizations ($603M and $631M).
Which is cheaper on earnings, CIVB or FBIZ?
CIVB trades at 11.1 times trailing earnings, FBIZ at 11.1 times.
Which one does Intratio's AI model rank higher, CIVB or FBIZ?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
More comparisons
This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.