Civista Bancshares (NASDAQ:CIVB – Get Free Report) and Orion Digital (NASDAQ:ORIO – Get Free Report) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their analyst recommendations, institutional ownership, earnings, valuation, profitability, risk and dividends.
Risk and Volatility
Civista Bancshares has a beta of 0.66, meaning that its stock price is 34% less volatile than the S&P 500. Comparatively, Orion Digital has a beta of 2.53, meaning that its stock price is 153% more volatile than the S&P 500.
Earnings and Valuation
This table compares Civista Bancshares and Orion Digital”s top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Civista Bancshares | $254.95 million | 2.16 | $46.21 million | $2.70 | 9.83 |
| Orion Digital | $49.11 million | 0.46 | -$6.11 million | ($0.50) | -1.88 |
Civista Bancshares has higher revenue and earnings than Orion Digital. Orion Digital is trading at a lower price-to-earnings ratio than Civista Bancshares, indicating that it is currently the more affordable of the two stocks.
Institutional & Insider Ownership
52.1% of Civista Bancshares shares are held by institutional investors. Comparatively, 14.8% of Orion Digital shares are held by institutional investors. 1.6% of Civista Bancshares shares are held by company insiders. Comparatively, 12.3% of Orion Digital shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.
Profitability
This table compares Civista Bancshares and Orion Digital’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% |
| Orion Digital | -24.49% | -6.17% | -2.56% |
Analyst Ratings
This is a summary of current ratings and price targets for Civista Bancshares and Orion Digital, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Civista Bancshares | 0 | 3 | 3 | 0 | 2.50 |
| Orion Digital | 1 | 1 | 0 | 0 | 1.50 |
Civista Bancshares currently has a consensus target price of $30.25, indicating a potential upside of 13.98%. Given Civista Bancshares’ stronger consensus rating and higher probable upside, research analysts plainly believe Civista Bancshares is more favorable than Orion Digital.
Summary
Civista Bancshares beats Orion Digital on 12 of the 14 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 Orion Digital
Mogo Inc. operates as a financial technology company in Canada and internationally. The company provides digital solutions to the consumers to get in control of their financial health. It offers Mogo app to access a digital spending account with Mogo Visa Platinum Prepaid Card; MogoCrypto that enables the buying and selling of bitcoin; MogoProtect, a free ID fraud protection and monthly credit score monitoring; MogoMortgage, a digital mortgage experience; and MogoMoney that provides access to personal loans. The company also offers Mogo Trade, a free stock trading platform with real-time stock quotes and funding; and Mogo Ventures to manage its existing investments in strategic partners and companies. In addition, it operates Carta, a digital payments software platform that enable financial technology companies, banks, and corporations to issue payment products to consumers via multiple channels, including physical, virtual, and tokenized cards, as well as payment switching and routing services. Mogo Inc. was founded in 2003 and is headquartered in Vancouver, Canada.
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