Business First Bancshares vs Civista Bancshares
BFST and CIVB side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How BFST and CIVB compare
Business First Bancshares is the larger company, worth 1.8 times as much as Civista Bancshares ($1.1B against $595M).
On earnings, Civista Bancshares is cheaper: it trades at 10.3× trailing earnings, against 11.4× for Business First Bancshares.
Business First Bancshares grew revenue faster over the last twelve months (4.1% versus 2.7% for Civista Bancshares).
Business First Bancshares keeps more of each dollar of sales as profit, with a net margin of 805% compared with 302% at Civista Bancshares.
Both pay dividends: Business First Bancshares yields 2.3% and Civista Bancshares 2.5%.
Business First Bancshares scores higher on the StockData Score (13 against 11 for Civista Bancshares), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | BFST | CIVB |
|---|---|---|
| Size and price | ||
| Market cap | $1.1B | $595M |
| Share price | $32.27 | $28.62 |
| Change, 1 year | 28.2% | 30.7% |
| Change, 5 years | 15.9% | 15.0% |
| Beta (5Y) | 0.77 | 0.59 |
| Employees | 842 | 526 |
| StockData Score | ||
| Total score | 13 (better) | 11 |
| Valuation score | 3 (better) | 2 |
| Growth score | 0 | 1 (better) |
| Performance score | 4 | 4 |
| Health score | 3 (better) | 2 |
| Dividend score | 3 (better) | 2 |
| Valuation | ||
| P/E | 11.4× | 10.3× (better) |
| P/S | 90.9× | 31.3× (better) |
| P/B | 1.0× (better) | 1.1× |
| PEG | 1.80 (better) | 20.11 |
| Fair value | $32.38 | $28.32 |
| Margin of safety | 0.34% (better) | −1.1% |
| Growth | ||
| Revenue growth (TTM) | 4.1% (better) | 2.7% |
| Revenue growth, 5Y average | 14.8% (better) | 2.3% |
| Net income growth (TTM) | 20.8% | 31.4% (better) |
| EPS growth (TTM) | 12.4% (better) | 3.7% |
| EPS growth, 5Y average | 11.2% (better) | 5.7% |
| Profitability | ||
| Net margin | 805% (better) | 302% |
| Return on equity | 10.0% | 11.0% (better) |
| Financial health | ||
| Altman Z-score | 0.14 | 0.19 (better) |
| Piotroski F-score | 5 (better) | 4 |
| Dividends and buybacks | ||
| Dividend yield | 2.3% | 2.5% (better) |
| Payout ratio | 19.7% | 25.2% |
| Years of dividend growth | 9 | – |
| Dividend growth, 5Y average | 7.3% | – |
| Buyback yield | – | 0.43% |
| Shareholder yield | 2.3% | 2.9% (better) |
| Ownership | ||
| Held by institutions | 58.0% | 65.6% |
| Held by insiders | 5.0% | 1.3% |
| Insider net buying, 12 months | −$7.1M | $16.8K (better) |
| Short interest, % of float | 3.5% | 3.0% |
Go deeper
- BFST stock overview
- BFST income statement
- BFST valuation and score
- CIVB stock overview
- CIVB income statement
- CIVB valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.