Civista Bancshares (NASDAQ:CIVB) and Banco Santander Brasil (NYSE:BSBR) Critical Contrast

Civista Bancshares (NASDAQ:CIVB) and Banco Santander Brasil (NYSE:BSBR) are both finance companies, but which is the better business? We will contrast the two businesses based on the strength of their institutional ownership, analyst recommendations, dividends, earnings, profitability, risk and valuation.

Analyst Recommendations

This is a summary of recent ratings for Civista Bancshares and Banco Santander Brasil, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Civista Bancshares	0	3	3	0	2.50
Banco Santander Brasil	2	2	0	0	1.50

Civista Bancshares currently has a consensus price target of $30.25, indicating a potential upside of 9.60%. Banco Santander Brasil has a consensus price target of $6.00, indicating a potential upside of 4.53%. Given Civista Bancshares’ stronger consensus rating and higher probable upside, equities research analysts plainly believe Civista Bancshares is more favorable than Banco Santander Brasil.

Dividends

Civista Bancshares pays an annual dividend of $0.72 per share and has a dividend yield of 2.6%. Banco Santander Brasil pays an annual dividend of $0.27 per share and has a dividend yield of 4.7%. Civista Bancshares pays out 26.7% of its earnings in the form of a dividend. Civista Bancshares has increased its dividend for 4 consecutive years.

Insider & Institutional Ownership

52.1% of Civista Bancshares shares are owned by institutional investors. Comparatively, 14.5% of Banco Santander Brasil shares are owned by institutional investors. 1.6% of Civista Bancshares shares are owned by insiders. Comparatively, 0.1% of Banco Santander Brasil shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Valuation & Earnings

This table compares Civista Bancshares and Banco Santander Brasil”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Civista Bancshares	$254.95 million	2.25	$46.21 million	$2.70	10.22
Banco Santander Brasil	$42.52 billion	0.50	$2.29 billion	N/A	N/A

Banco Santander Brasil has higher revenue and earnings than Civista Bancshares.

Risk & Volatility

Civista Bancshares has a beta of 0.66, suggesting that its stock price is 34% less volatile than the S&P 500. Comparatively, Banco Santander Brasil has a beta of 0.55, suggesting that its stock price is 45% less volatile than the S&P 500.

Profitability

This table compares Civista Bancshares and Banco Santander Brasil’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Civista Bancshares	20.79%	10.65%	1.35%
Banco Santander Brasil	7.06%	10.49%	1.04%

Summary

Civista Bancshares beats Banco Santander Brasil on 11 of the 15 factors compared between the two stocks.

About Civista Bancshares

Civista Bancshares, Inc. operates as the financial holding company for Civista Bank that provides community banking services. It collects a range of customer deposits; and offers commercial and agriculture, commercial and residential real estate, farm real estate, real estate construction, consumer, and other loans, as well as letters of credit. The company also holds and manages securities portfolio; leases general equipment; and provides captive insurance products. It operates in North Central, West Central, South Western Ohio, South Eastern Indiana, and Northern Kentucky. The company was formerly known as First Citizens Banc Corp and changed its name to Civista Bancshares, Inc. in May 2015. Civista Bancshares, Inc. was founded in 1884 and is headquartered in Sandusky, Ohio.

About Banco Santander Brasil

Banco Santander (Brasil) S.A., together with its subsidiaries, provides various banking products and services to individuals, small and medium enterprises, and corporate customers in Brazil and internationally. The company operates through Commercial Banking and Global Wholesale Banking segments. It offers local loans, commercial financing options, development bank funds, and cash management services; export and import financing, guarantees, structuring of asset services. In addition, the company provides financing and advisory services for infrastructure projects and capital markets instruments, as well as offers equity transactions and mergers and acquisitions services. Further, it offers foreign exchange products, derivatives, and investments to institutional investors, corporate clients, and individuals. Additionally, the company provides research services, as well as offers brokerage services for corporate, institutional, and individual investors. Furthermore, it provides deposits and other bank funding instruments, and debit and credit cards. The company provides financial services and products to its customers through multichannel distribution network comprising branches, mini-branches, ATMs, call centers, Internet banking, and mobile banking. Banco Santander (Brasil) S.A. was incorporated in 1985 and is headquartered in São Paulo, Brazil. The company operates as a subsidiary of Banco Santander, S.A.