Bridgewater Bancshares, Inc. (BWBBP) vs Civista Bancshares, Inc. (CIVB)
A side-by-side comparison of Bridgewater Bancshares, Inc. and Civista Bancshares, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — BWBBP vs CIVB
growth of $100 · dividends reinvested · last 5yBWBBP vs CIVB: by the numbers
- •BWBBP is the larger company ($560M vs $557M market cap).
- •CIVB trades at the lower trailing earnings multiple (9.93 vs 10.52 P/E), one valuation lens rather than an overall verdict.
- •CIVB converts more revenue to profit (24.20% vs 22.07% net margin).
- •BWBBP grew revenue faster over the past five years (15.26% vs 11.24% CAGR).
- •BWBBP pays the higher dividend yield (7.59% vs 2.65%).
Metrics side by side
Valuation
| Metric | BWBBP | CIVB |
|---|---|---|
| P/E ratio | 10.52 | 9.93 |
| Forward P/E | 10.53 | 9.44 |
| PEG ratio | 1.05 | 1.74 |
| P/S ratio | 2.19 | 2.48 |
| P/B ratio | 1.16 | 0.98 |
Profitability
| Metric | BWBBP | CIVB |
|---|---|---|
| Operating margin | 13.20% | 21.66% |
| Net margin | 22.07% | 24.20% |
| ROE | 10.28% | 9.59% |
Bridgewater Bancshares, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Civista Bancshares, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | BWBBP | CIVB |
|---|---|---|
| Dividend yield | 7.59% | 2.65% |
| Payout ratio | 79.83% | 26.30% |
Growth (annualized)
| Metric | BWBBP | CIVB |
|---|---|---|
| Revenue CAGR (5Y) | 15.26% | 11.24% |
| EPS CAGR (5Y) | 10.00% | 5.71% |
| Total return CAGR (5Y) | 0.96% | 4.69% |
Frequently asked
- Which has the lower trailing P/E, BWBBP or CIVB?
- CIVB has the lower trailing P/E: BWBBP trades at 10.52 and CIVB at 9.93. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, BWBBP or CIVB?
- Over the past five years, BWBBP grew revenue faster — BWBBP at a 15.26% CAGR versus CIVB at 11.24%.
- Does BWBBP or CIVB pay a bigger dividend?
- BWBBP yields 7.59% and CIVB yields 2.65% based on trailing dividends and the latest price.
- Is BWBBP or CIVB more profitable?
- CIVB runs the higher net margin — BWBBP at 22.07% versus CIVB at 24.20%.
- How have BWBBP and CIVB total returns compared?
- Over the past 5 years, BWBBP delivered 0.96% and CIVB delivered 4.69% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Bridgewater Bancshares & Civista Bancshares appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.