CIVB vs MSBI: stock comparison and AI forecast
Civista Bancshares, Inc. (CIVB) and Midland States Bancorp, Inc. (MSBI) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
CIVB Civista Bancshares, Inc.
- Market Cap
- $586M
- P/E Ratio
- 10.4x
- Size
- small-cap
- AI Forecast
MSBI Midland States Bancorp, Inc.
- Market Cap
- $657M
- P/E Ratio
- –
- 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
- MSBI is 1.1 times larger than CIVB by market capitalization ($657M against $586M).
- CIVB turns 27.3% of its revenue into net income, against -16.2% for MSBI.
- MSBI carries 11.83 times debt per unit of equity, against 9.36 times for CIVB.
- MSBI yields 4.23% in dividends and CIVB 2.48%.
- Both companies share the SEC industry classification State Commercial Banks.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | CIVB | MSBI |
|---|---|---|
| Market Cap | $586M | $657M |
| P/E Ratio | 10.39x | – |
| P/B Ratio | 1.45x | 1.24x |
| Dividend Yield | 2.48% | 4.23% |
| EPS | $2.71 | $-4.59 |
| Book Value/Share | $19.44 | $25.54 |
| Revenue/Share | $9.00 | $21.02 |
| FCF/Share | – | $3.63 |
Profitability & Margins
| Metric | CIVB | MSBI |
|---|---|---|
| ROE | 10.9% | -13.3% |
| ROA | – | -1.0% |
| Net Margin | 27.3% | -16.2% |
| EBT Margin | 43.2% | -10.7% |
| Tax Rate | 17.4% | -50.7% |
Financial Health
| Metric | CIVB | MSBI |
|---|---|---|
| D/E Ratio | 9.36x | 11.83x |
| Financial Leverage | – | 12.83x |
Cash Flow
| Metric | CIVB | MSBI |
|---|---|---|
| Operating Cash Flow | $66M | $78M |
| Free Cash Flow | – | $76M |
| Capital Spending | – | -$2M |
| OCF Growth YoY | 18.1% | -63.1% |
| FCF Growth YoY | – | -43.0% |
| FCF/Sales | – | 17.3% |
| CapEx/Sales | – | 0.5% |
Operational Efficiency
| Metric | CIVB | MSBI |
|---|---|---|
| Asset Turnover | – | 0.06x |
| Fixed Assets Turnover | 5.1x | 5.3x |
Income Statement
| Metric | CIVB | MSBI |
|---|---|---|
| Total Revenue | $187M | $437M |
| Net Income | $44M | -$71M |
Dividend & Shareholder Information
| Metric | CIVB | MSBI |
|---|---|---|
| Dividends Per Share | $0.70 | $1.34 |
| Payout Ratio | 25.8% | – |
| Shares Outstanding | 21M | 21M |
| Net Income Growth | 4.7% | -237.9% |
| EPS Growth | -5.6% | -568.4% |
CIVB vs MSBI: stock comparison and AI forecast
Which is bigger, CIVB or MSBI?
MSBI is 1.1 times larger than CIVB by market capitalization ($657M against $586M).
Which one does Intratio's AI model rank higher, CIVB or MSBI?
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.
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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.