COMP <GO>
CIVB vs V // DIVIDEND YIELD & FCF PAYOUT SAFETY
Civista Bancshares Inc. (NASDAQ) VS. Visa Inc. (NYSE) • 15-METRIC TALLY: CIVB 4
— V 5
▲ DIVIDEND YIELD & FCF PAYOUT SAFETY LEADER: CIVB
LAST: $28.98 (+2.66%) • MKT CAP: $587.0M
dividend-safety
2.00%
LAST: $425.51 (+2.88%) • MKT CAP: $738.98B
dividend-safety
0.63%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (CIVB VS. V)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | CIVB | V | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 8.50% | 32.30% | -23.80 | V | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | 28.9x | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 7.11% | 2.90% | +4.21 | CIVB | /fcf-yield <GO> |
| Operating Margin | — | 60.00% | — | TIE | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 50.10% | +17.90 | CIVB | /net-margins <GO> |
| Revenue Growth (YoY) | -0.50% | 11.30% | -11.80 | V | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety ACTIVE | 2.00% | 0.63% | +1.37 | CIVB | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | 9.09 | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 9/9 | -5.00 | V | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 60.6 | 67.7 | -7.10 | V | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | 1.06 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 11.9x | 34.0x | -22.10 | CIVB | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $587.0M | $738.98B | -$738.40B | V | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | CIVB REV | V REV | CIVB GROSS % | V GROSS % | CIVB FCF | V FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $19.0M | $40.00B | — | — | $42.1M | $21.26B |
| FY 2024 | $19.1M | $35.93B | — | — | $44.1M | $18.33B |
| FY 2023 | $30.4M | $32.65B | — | — | $62.7M | $19.29B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
CIVB // BETA —
V // BETA 1.06