COMP <GO>
SFST vs CIVB // ALTMAN Z-SCORE & DEBT/EQUITY
Southern First Bancshares Inc. (NASDAQ) VS. Civista Bancshares Inc. (NASDAQ) • 15-METRIC TALLY: SFST 1
— CIVB 6
■ METRIC PARITY
LAST: $60.87 (-0.18%) • MKT CAP: $576.5M
balance-sheet
—
LAST: $28.47 (+1.03%) • MKT CAP: $592.0M
balance-sheet
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (SFST VS. CIVB)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | SFST | CIVB | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 8.20% | 8.50% | -0.30 | CIVB | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 5.18% | 7.11% | -1.93 | 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 ACTIVE | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 4/9 | +1.00 | SFST | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 42.8 | 62.6 | -19.79 | CIVB | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 17.7x | 11.9x | +5.80 | CIVB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $576.5M | $592.0M | -$15.5M | CIVB | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | SFST REV | CIVB REV | SFST GROSS % | CIVB GROSS % | SFST FCF | CIVB FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $19.0M | — | — | $29.9M | $42.1M |
| FY 2024 | $0 | $19.1M | — | — | $24.8M | $44.1M |
| FY 2023 | $0 | $30.4M | — | — | $17.7M | $62.7M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
SFST // BETA —
CIVB // BETA —