Bankwell Financial Group, Inc. (BWFG) vs Civista Bancshares, Inc. (CIVB)
A side-by-side comparison of Bankwell Financial Group, 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 — BWFG vs CIVB
growth of $100 · dividends reinvested · last 10yBWFG vs CIVB: by the numbers
- •CIVB is the larger company ($558M vs $530M market cap).
- •CIVB trades at the lower trailing earnings multiple (9.94 vs 12.38 P/E), one valuation lens rather than an overall verdict.
- •CIVB converts more revenue to profit (24.20% vs 19.78% net margin).
- •BWFG grew revenue faster over the past five years (21.58% vs 11.24% CAGR).
- •CIVB pays the higher dividend yield (2.65% vs 1.21%).
Metrics side by side
Valuation
| Metric | BWFG | CIVB |
|---|---|---|
| P/E ratio | 12.38 | 9.94 |
| Forward P/E | 11.52 | 9.45 |
| PEG ratio | 0.29 | 1.74 |
| P/S ratio | 2.45 | 2.49 |
| P/B ratio | 1.64 | 0.98 |
Profitability
| Metric | BWFG | CIVB |
|---|---|---|
| Operating margin | 26.96% | 21.66% |
| Net margin | 19.78% | 24.20% |
| ROE | 13.25% | 9.59% |
Bankwell Financial Group, 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 | BWFG | CIVB |
|---|---|---|
| Dividend yield | 1.21% | 2.65% |
| Payout ratio | 14.90% | 26.30% |
Growth (annualized)
| Metric | BWFG | CIVB |
|---|---|---|
| Revenue CAGR (5Y) | 21.58% | 11.24% |
| EPS CAGR (5Y) | 43.04% | 5.71% |
| Total return CAGR (5Y) | 20.07% | 4.69% |
Frequently asked
- Which has the lower trailing P/E, BWFG or CIVB?
- CIVB has the lower trailing P/E: BWFG trades at 12.38 and CIVB at 9.94. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, BWFG or CIVB?
- Over the past five years, BWFG grew revenue faster — BWFG at a 21.58% CAGR versus CIVB at 11.24%.
- Does BWFG or CIVB pay a bigger dividend?
- BWFG yields 1.21% and CIVB yields 2.65% based on trailing dividends and the latest price.
- Is BWFG or CIVB more profitable?
- CIVB runs the higher net margin — BWFG at 19.78% versus CIVB at 24.20%.
- How have BWFG and CIVB total returns compared?
- Over the past 10 years, BWFG delivered 13.12% and CIVB delivered 8.78% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Bankwell Financial & 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.