Civista Bancshares Inc (CIVB)vsU.S. Bancorp (USB)
CIVB
Civista Bancshares Inc
$22.51
-0.09%
FINANCIAL SERVICES · Cap: $453.33M
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 15478% more annual revenue ($26.35B vs $169.17M). USB leads profitability with a 28.7% profit margin vs 27.3%. CIVB appears more attractively valued with a PEG of 1.37. USB earns a higher WallStSmart Score of 75/100 (B).
CIVB
Strong Buy67
out of 100
Grade: B-
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-32.3%
Fair Value
$17.95
Current Price
$22.51
$4.56 premium
Margin of Safety
+75.8%
Fair Value
$214.00
Current Price
$51.89
$162.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 34.6%
Keeps 27 of every $100 in revenue as profit
15.3% revenue growth
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.3%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Earnings expanding 24.7% YoY
Areas to Watch
Smaller company, higher risk/reward
Earnings declined 1.4%
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : CIVB
The strongest argument for CIVB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 27.3% and operating margin at 34.6%. Revenue growth of 15.3% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 39.3%.
Bear Case : CIVB
The primary concerns for CIVB are Market Cap, EPS Growth.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
CIVB profiles as a growth stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 1.04 — expect wider price swings.
CIVB is growing revenue faster at 15.3% — sustainability is the question.
USB generates stronger free cash flow (2.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (75/100 vs 67/100), backed by strong 28.7% margins. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Civista Bancshares Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Civista Bancshares, Inc. is Civista Bank's financial holding company providing community banking services. The company is headquartered in Sandusky, Ohio.
Visit Website →U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
Compare with Other BANKS - REGIONAL Stocks
Want to dig deeper into these stocks?