China CITIC Bank (OTCMKTS:CHCJY – Get Free Report) and Civista Bancshares (NASDAQ:CIVB – Get Free Report) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their analyst recommendations, institutional ownership, risk, earnings, profitability, valuation and dividends.
Earnings and Valuation
This table compares China CITIC Bank and Civista Bancshares”s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| China CITIC Bank | $49.07 billion | 1.02 | $9.82 billion | $3.45 | 5.96 |
| Civista Bancshares | $182.43 million | 3.11 | $46.21 million | $2.70 | 10.11 |
Volatility and Risk
China CITIC Bank has a beta of 0.31, meaning that its share price is 69% less volatile than the S&P 500. Comparatively, Civista Bancshares has a beta of 0.65, meaning that its share price is 35% less volatile than the S&P 500.
Dividends
China CITIC Bank pays an annual dividend of $0.87 per share and has a dividend yield of 4.2%. Civista Bancshares pays an annual dividend of $0.72 per share and has a dividend yield of 2.6%. China CITIC Bank pays out 25.2% of its earnings in the form of a dividend. Civista Bancshares pays out 26.7% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Civista Bancshares has increased its dividend for 4 consecutive years. China CITIC Bank is clearly the better dividend stock, given its higher yield and lower payout ratio.
Insider & Institutional Ownership
52.1% of Civista Bancshares shares are owned by institutional investors. 1.6% of Civista Bancshares shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.
Analyst Recommendations
This is a breakdown of recent ratings and price targets for China CITIC Bank and Civista Bancshares, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| China CITIC Bank | 0 | 1 | 0 | 0 | 2.00 |
| Civista Bancshares | 0 | 3 | 3 | 0 | 2.50 |
Civista Bancshares has a consensus price target of $30.25, suggesting a potential upside of 10.85%. Given Civista Bancshares’ stronger consensus rating and higher probable upside, analysts clearly believe Civista Bancshares is more favorable than China CITIC Bank.
Profitability
This table compares China CITIC Bank and Civista Bancshares’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| China CITIC Bank | 20.81% | 8.54% | 0.72% |
| Civista Bancshares | 20.79% | 10.65% | 1.35% |
Summary
Civista Bancshares beats China CITIC Bank on 11 of the 17 factors compared between the two stocks.
About China CITIC Bank
China CITIC Bank Corporation Limited provides various banking products and services in the People's Republic of China and internationally. The company operates in segments, such as Corporate Banking, Retail Banking, and Financial Market business. It accepts deposits; offers corporate and personal loans; and provides securities agency, remittance and settlement, and guarantee services, as well as investment banking and international services. The company also engages in the capital markets operations and inter-bank operations, including inter-bank money market transactions, repurchase transactions, investments, and trading in debt instruments; and derivatives and forex trading. In addition, it offers asset management, finance leasing, wealth management, ageing finance, private banking, credit card, payroll, and other non-banking financial services. The company serves corporations, government agencies, and non-financial institutions; and individual customers and micro and small enterprises. The company operates tier-one branches, tier-two branches, and sub-branches; self-service banks; and self-service terminals, as well as smart teller machines. The company was founded in 1987 and is headquartered in Beijing, the People's Republic of China. China CITIC Bank Corporation Limited operates as a subsidiary of CITIC Financial Holdings Co., Ltd.
About Civista Bancshares
Civista Bancshares, Inc. operates as the financial holding company for Civista Bank that provides community banking services. It collects a range of customer deposits; and offers commercial and agriculture, commercial and residential real estate, farm real estate, real estate construction, consumer, and other loans, as well as letters of credit. The company also holds and manages securities portfolio; leases general equipment; and provides captive insurance products. It operates in North Central, West Central, South Western Ohio, South Eastern Indiana, and Northern Kentucky. 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 headquartered in Sandusky, Ohio.
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