COMP <GO>
CIVB vs FBIZ // NET PROFIT MARGIN
Civista Bancshares Inc. (NASDAQ) VS. First Business Financial Services Inc. (NASDAQ) • 15-METRIC TALLY: CIVB 1
— FBIZ 6
■ METRIC PARITY
LAST: $28.47 (+1.03%) • MKT CAP: $592.0M
net-margins
68.00%
LAST: $73.76 (+1.39%) • MKT CAP: $617.2M
net-margins
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CIVB VS. FBIZ)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CIVB | FBIZ | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 8.50% | 13.50% | -5.00 | FBIZ | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 7.11% | 9.90% | -2.79 | FBIZ | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin ACTIVE | 68.00% | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | -0.50% | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.00% | 1.57% | +0.43 | CIVB | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 5/9 | -1.00 | FBIZ | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 62.6 | 72.6 | -10.05 | FBIZ | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 11.9x | 11.4x | +0.50 | FBIZ | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $592.0M | $617.2M | -$25.2M | FBIZ | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CIVB REV | FBIZ REV | CIVB GROSS % | FBIZ GROSS % | CIVB FCF | FBIZ FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $19.0M | $0 | — | — | $42.1M | $61.1M |
| FY 2024 | $19.1M | $0 | — | — | $44.1M | $57.3M |
| FY 2023 | $30.4M | $0 | — | — | $62.7M | $52.3M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CIVB // BETA —
FBIZ // BETA —