How comparing works here
How do I compare two companies?
Type the tickers into the box above — up to five at once. Every row is read from the companies' own annual filings, so a comparison shows the same measure computed the same way for each of them rather than whatever each company chose to highlight.
Can I compare an ETF with a stock?
Yes, and the table changes to suit. Two funds are compared on cost, income, spread and record, because revenue growth and debt mean nothing for a fund. A fund against a company shows only what both of them have.
Side by side
Compare
Put up to 4 companies, funds, commodities or coins next to each other — health, valuation, growth and performance.
Every row is computed the same way for every column, from each company's own annual filing, so a comparison is not a collection of whichever figures each of them chose to put in a press release. Funds are compared on what a fund is actually judged on: cost, income, spread and record.
Relative performance
Rebased so every symbol starts at 0%
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Side by side
Latest annual figures from each company's filings
| Metric | CIVBCIVISTA BANCSHARES, INC. | AMBZAmerican Business Bank | GCBCGREENE COUNTY BANCORP INC | FBIZFIRST BUSINESS FINANCIAL SERVICES, INC. | Median of the restexcluding CIVB |
|---|---|---|---|---|---|
| Type | Company | Company | Company | Company | |
| Price | $28.29▲ 0.14 (0.50%) | $69.90▲ 0.00 (0.00%) | $35.61▼ 0.40 (1.11%) | $72.43▼ 0.07 (0.10%) | |
| Health scoreComposite of profitability, growth, debt and accounting quality. | 6.0/10 | 8.7/10 | 8.0/10 | 8.0/10 | 8.0/10 |
| Market value | $437.9M | $620.3M | $606.3M | $603.0M | |
| Revenue | $19.0M | $156.1M | — | — | |
| Profit | $46.2M | $54.2M | $41.0M | $50.3M | |
| Revenue growthChange in sales versus the prior year. | -0.5% | 18.3% | — | — | 18.3% |
| Gross marginShare of sales left after the direct cost of producing them. | — | — | — | — | — |
| Operating marginShare of sales left after running the business, before interest and tax. | — | — | — | — | — |
| Profit marginProfit kept from each dollar of sales. | 242.9% | 34.7% | — | — | 34.7% |
| Free cash flow marginCash left after capital spending, as a share of sales. | 221.4% | 44.7% | — | — | 44.7% |
| Return on equityProfit against the owners' stake in the company. | 8.5% | 13.2% | 14.8% | 13.5% | 13.5% |
| Return on invested capital (approx.)Operating profit after tax against equity plus debt, less cash. Cash here excludes short-term investments, so this runs low for cash-rich companies. | — | — | — | — | — |
| P/E ratioPrice paid per dollar of annual profit. | 9.48x | 11.44x | 14.78x | 11.98x | 11.98x |
| EV / EBITDA (approx.)Market value plus debt less cash, against operating profit before depreciation. Cash excludes short-term investments, so this runs high for cash-rich companies. | — | — | — | — | — |
| Price to book | 0.81x | 1.51x | 2.18x | 1.62x | 1.62x |
| Debt to equityTotal liabilities compared with owners' stake. | 6.98x | 9.72x | 10.46x | 9.99x | 9.99x |
| Piotroski F-ScoreNine checks of financial strength. Higher is stronger. | 4/6 | 6/6 | 5/5 | 5/5 | 5.0 |
| Bankruptcy riskAltman Z-Score zone. | n/a for banks | not reported | n/a for banks | n/a for banks |
How CIVB compares with the others
- CIVB's profit margin of 242.9% is higher than the other company selected (34.7%).
- Its revenue grew more slowly than the other company selected: -0.5% against 18.3%.
- It trades at a lower P/E than the median of the other companies selected: 9.5x against 12.0x.
- Its liabilities are lower relative to equity than the median of the other companies selected: 7.0x against 10.0x.
Measured against the other companies entered, from each one's latest annual filing. A difference describes the companies; it does not rank them.