Civista Banc (NASDAQ:CIVB) and ACNB (NASDAQ:ACNB) Stock Comparison

Civista Bancshares (NASDAQ:CIVB – Get Rating) and ACNB (NASDAQ:ACNB – Get Rating) are both small cap finance companies, but which business is superior? We’ll compare the two companies based on their dividend strength, analyst recommendations, earnings, risk, profitability, valuation, and institutional ownership.

Risk and Volatility

Civista Bancshares has a beta of 0.87, indicating that its stock price is 13% less volatile than the S&P 500. In comparison, ACNB has a beta of 0.21, indicating that its stock price is 79% less volatile than the S&P 500.


This table compares the net margins, return on equity and return on assets of Civista Bancshares and ACNB.

Net margins Return on equity return on assets
Actions Civista Bench 29.29% 10.87% 1.29%
ACNB 27.49% 10.13% 0.98%

Analyst Recommendations

This is a breakdown of recent ratings and price targets for Cavista Bancshares and ACNB, as reported by

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Actions Civista Bench 0 1 1 0 2.50
ACNB 0 0 0 0 N / A

Civista Bancshares currently has a consensus target price of $25.00, suggesting a potential upside of 15.42%. Considering the likely higher upside of Civista Bancshares, stock analysts clearly believe that Civista Bancshares is more favorable than ACNB.

Institutional and insider ownership

53.0% of Civista Bancshares shares are held by institutional investors. By comparison, 23.4% of ACNB’s shares are held by institutional investors. 3.1% of Civista Bancshares shares are held by insiders of the company. By comparison, 3.8% of ACNB’s stock is held by company insiders. Strong institutional ownership is an indication that endowments, large fund managers, and hedge funds believe a company will outperform the market over the long term.

Benefits and evaluation

This table compares the revenue, earnings per share and valuation of Cavista Bancshares and ACNB.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Actions Civista Bench $133.19 million 2.37 $40.55 million $2.53 8.56
ACNB $100.85 million 2.84 $27.83 million $3.10 10.61

Civista Bancshares has higher revenues and profits than ACNB. Civista Bancshares trades at a lower price-to-earnings ratio than ACNB, indicating that it is currently the more affordable of the two stocks.


Civista Bancshares pays an annual dividend of $0.56 per share and has a dividend yield of 2.6%. ACNB pays an annual dividend of $1.04 per share and has a dividend yield of 3.2%. Civista Bancshares pays 22.1% of its profits as a dividend. ACNB pays 33.5% of its profits as a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings over the next few years. Civista Bancshares has increased its dividend for 11 consecutive years and ACNB has increased its dividend for 1 consecutive year.


Civista Bancshares beats ACNB on 11 of the 16 factors compared between the two stocks.

About Civista Bancshares

(Get a rating)

Civista Bancshares, Inc. operates as a financial holding company for Civista Bank which provides community banking services. The company collects a range of customer deposits; and offers commercial and agricultural, commercial and residential loans, agricultural real estate, construction, consumer and other loans, and letters of credit. It also buys securities; and provides trust and liability insurance services. The company operates bank branches in communities across Ohio including Sandusky, Norwalk, Berlin Heights, Huron, Port Clinton, Castalia, New Washington, Shelby, Willard, Greenwich, Plymouth, Shiloh, Akron, Dublin, Plain City, Urbana , Russells Point, West Liberty, Quincy, Dayton and Beachwood; and Indiana communities including Lawrenceburg, Aurora, West Harrison, Milan, Osgood, and Versailles. It also operates loan origination offices in Westlake, Ohio; and Fort Mitchell, Kentucky. The company was formerly known as First Citizens Banc Shares and changed its name to Cavista Bancshares, Inc. in May 2015. Cavista Bancshares, Inc. was founded in 1884 and is headquartered in Sandusky, Ohio.

About CANB

(Get a rating)

ACNB Corporation, a financial holding company, provides banking, insurance and financial services to individuals, businesses and governments in the United States. The company offers checking, savings and money market deposit accounts, as well as term deposits and debit cards. It also provides commercial lending products, such as commercial mortgages, real estate development and construction loans, accounts receivable and inventory financing, as well as agricultural and government loans; consumer lending products, including home equity loans and lines of credit, auto and recreational vehicle loans, manufactured home loans and personal lines of credit; and mortgage programs include personal residential mortgages and residential construction and investment mortgages. In addition, the Company provides other services related to testamentary trusts, life insurance trusts, charitable remainder trusts, guardianships, powers of attorney, custodial accounts, and investment management and advisory accounts; and retail brokerage services. Also, it acts as a fiduciary to invest, protect, manage and distribute financial assets. Additionally, the company offers property and casualty, health, life and disability insurance products to commercial and individual customers; and online, telephone and mobile banking, as well as ATM services. As of December 31, 2021, it operated through a network of 19 community banking offices located in Pennsylvania, including 12 offices in Adams County, five offices in York County, one office in Cumberland County and one office in County of Franklin; five community banking offices located in Frederick County; six community banking offices located in Carroll County, Maryland; and loan offices located in Lancaster and York, Pennsylvania, and Hunt Valley, Maryland. The company was founded in 1857 and is based in Gettysburg, Pennsylvania.

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