COMP <GO>
BWB vs CIVB // FREE CASH FLOW YIELD
Bridgewater Bancshares Inc. (NASDAQ) VS. Civista Bancshares Inc. (NASDAQ) • 15-METRIC TALLY: BWB 2
— CIVB 4
▲ FREE CASH FLOW YIELD LEADER: CIVB
LAST: $20.34 (-0.24%) • MKT CAP: $567.2M
fcf-yield
3.87%
LAST: $28.47 (+1.03%) • MKT CAP: $592.0M
fcf-yield
7.11%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (BWB VS. CIVB)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | BWB | CIVB | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 8.90% | 8.50% | +0.40 | BWB | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield ACTIVE | 3.87% | 7.11% | -3.24 | CIVB | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | 68.00% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | -0.50% | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 2.00% | -2.00 | CIVB | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 4/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 43.6 | 62.6 | -19.01 | CIVB | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 11.4x | 11.9x | -0.50 | BWB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $567.2M | $592.0M | -$24.9M | CIVB | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | BWB REV | CIVB REV | BWB GROSS % | CIVB GROSS % | BWB FCF | CIVB FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $19.0M | — | — | $22.0M | $42.1M |
| FY 2024 | $0 | $19.1M | — | — | $42.3M | $44.1M |
| FY 2023 | $0 | $30.4M | — | — | $30.0M | $62.7M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
BWB // BETA —
CIVB // BETA —