Civista Bancshares (NASDAQ:CIVB) and SANTA CRUZ CNTY/SH SH (OTCMKTS:SCZC) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their institutional ownership, risk, earnings, dividends, valuation, profitability and analyst recommendations.
Insider & Institutional Ownership
53.9% of Civista Bancshares shares are held by institutional investors. Comparatively, 7.8% of SANTA CRUZ CNTY/SH SH shares are held by institutional investors. 3.5% of Civista Bancshares shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.
This table compares Civista Bancshares and SANTA CRUZ CNTY/SH SH’s 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||3.51||$14.14 million||$1.85||11.16|
|SANTA CRUZ CNTY/SH SH||$33.83 million||3.77||$11.38 million||N/A||N/A|
Civista Bancshares has higher revenue and earnings than SANTA CRUZ CNTY/SH SH.
Civista Bancshares pays an annual dividend of $0.44 per share and has a dividend yield of 2.1%. SANTA CRUZ CNTY/SH SH pays an annual dividend of $0.30 per share and has a dividend yield of 0.6%. 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. Civista Bancshares is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
This table compares Civista Bancshares and SANTA CRUZ CNTY/SH SH’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|SANTA CRUZ CNTY/SH SH||34.32%||N/A||N/A|
This is a summary of current ratings and recommmendations for Civista Bancshares and SANTA CRUZ CNTY/SH SH, as provided by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|SANTA CRUZ CNTY/SH SH||0||0||0||0||N/A|
Civista Bancshares presently has a consensus target price of $26.00, suggesting a potential upside of 25.97%. Given Civista Bancshares’ higher possible upside, equities analysts clearly believe Civista Bancshares is more favorable than SANTA CRUZ CNTY/SH SH.
Volatility and Risk
Civista Bancshares has a beta of 0.75, meaning that its share price is 25% less volatile than the S&P 500. Comparatively, SANTA CRUZ CNTY/SH SH has a beta of 0.43, meaning that its share price is 57% less volatile than the S&P 500.
Civista Bancshares beats SANTA CRUZ CNTY/SH SH on 12 of the 15 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; and Lawrenceburg, Aurora, West Harrison, Milan, Osgood, and Versailles, as well as loan production offices in Mayfield Heights, and Westlake, Ohio; and Fort Mitchell, 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.
SANTA CRUZ CNTY/SH SH Company Profile
Santa Cruz County Bank provides a range of commercial and personal banking services to residents and businesses in Santa Cruz County, California. Its primary deposit products include checking, savings, and term certificate accounts. The company also offers lending products, including commercial, multi-family, agricultural, municipal, installment, business term, and SBA and USDA government guaranteed loans, as well as loans supported by single-family residential real estate, lines of credit, commercial real estate financing, and credit cards. In addition, it provides merchant, mobile banking, and remote deposit capture services, as well as online services comprising bill payment and cash management. The company operates through five full service banking offices in Aptos, Capitola, Santa Cruz, Scotts Valley, and Watsonville; and two free standing ATM and night depositories in Santa Cruz and Aptos. Santa Cruz County Bank was incorporated in 2003 and is headquartered in Santa Cruz, California.
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