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BSRR vs CIVB

BSRR
Sierra Bancorp
NEUTRAL
Price
$34.61
Market Cap
$466.6M
Sector
Financial Services
AI Confidence
80%
CIVB
Civista Bancshares, Inc.
NEUTRAL
Price
$23.47
Market Cap
$486.9M
Sector
Financial Services
AI Confidence
55%

Valuation

P/E Ratio
BSRR
11.13
CIVB
8.89
Forward P/E
BSRR
9.17
CIVB
8.21
P/B Ratio
BSRR
1.24
CIVB
0.9
P/S Ratio
BSRR
3.13
CIVB
2.88
EV/EBITDA
BSRR
--
CIVB
--

Profitability

Gross Margin
BSRR
0.0%
CIVB
0.0%
Operating Margin
BSRR
42.68%
CIVB
34.57%
Profit Margin
BSRR
28.37%
CIVB
27.32%
ROE
BSRR
11.72%
CIVB
9.92%
ROA
BSRR
1.14%
CIVB
1.1%

Growth

Revenue Growth
BSRR
13.2%
CIVB
15.3%
Earnings Growth
BSRR
32.3%
CIVB
-1.4%

Financial Health

Debt/Equity
BSRR
--
CIVB
--
Current Ratio
BSRR
--
CIVB
--
Quick Ratio
BSRR
--
CIVB
--

Dividends

Dividend Yield
BSRR
3.02%
CIVB
3.11%
Payout Ratio
BSRR
32.15%
CIVB
25.76%

AI Verdict

BSRR NEUTRAL

BSRR shows neutral fundamentals based on deterministic rules. Financial strength is weak (F-Score 3/9). Mixed signals with both opportunities and risks present.

Strengths
Attractive valuation with P/E of 11.1
Undervalued vs Graham Number ($44.13)
Strong profitability (28.4% margin)
Risks
Weak financial trend (Piotroski F-Score: 3/9)
CIVB NEUTRAL

CIVB shows bullish fundamentals based on deterministic rules. Financial strength is weak (F-Score 3/9). Key strengths include strong valuation and growth metrics. Price trades at a 27.0% premium to fair value estimate ($18.48), limiting near-term upside from a valuation perspective.

Strengths
Attractive valuation with P/E of 8.9
Undervalued vs Graham Number ($39.45)
Strong profitability (27.3% margin)
Risks
Weak financial trend (Piotroski F-Score: 3/9)
Price trades at a 27.0% premium to fair value estimate ($18.48), limiting near-term upside from a valuation perspective.

Compare Another Pair

BSRR vs CIVB: Head-to-Head Comparison

This page compares Sierra Bancorp (BSRR) and Civista Bancshares, Inc. (CIVB) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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