Civista Bancshares, Inc. (CIVB) vs Donegal Group Inc. (DGICB)
A side-by-side comparison of Civista Bancshares, Inc. and Donegal Group 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 — CIVB vs DGICB
growth of $100 · dividends reinvested · last 10yCIVB vs DGICB: by the numbers
- •CIVB is the larger company ($556M vs $547M market cap).
- •DGICB trades at the lower trailing earnings multiple (8.51 vs 9.91 P/E), one valuation lens rather than an overall verdict.
- •CIVB converts more revenue to profit (24.20% vs 7.38% net margin).
- •CIVB grew revenue faster over the past five years (11.24% vs 3.86% CAGR).
- •DGICB pays the higher dividend yield (3.89% vs 2.65%).
Metrics side by side
Valuation
| Metric | CIVB | DGICB |
|---|---|---|
| P/E ratio | 9.91 | 8.51 |
| Forward P/E | 9.42 | 9.36 |
| PEG ratio | 1.74 | 2.39 |
| P/S ratio | 2.48 | 0.57 |
| P/B ratio | 0.98 | 0.82 |
Profitability
| Metric | CIVB | DGICB |
|---|---|---|
| Operating margin | 21.66% | 9.10% |
| Net margin | 24.20% | 7.38% |
| ROE | 9.59% | 10.67% |
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.
Donegal 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.
Dividends
| Metric | CIVB | DGICB |
|---|---|---|
| Dividend yield | 2.65% | 3.89% |
| Payout ratio | 26.30% | 34.34% |
Growth (annualized)
| Metric | CIVB | DGICB |
|---|---|---|
| Revenue CAGR (5Y) | 11.24% | 3.86% |
| EPS CAGR (5Y) | 5.71% | 4.28% |
| Total return CAGR (5Y) | 4.69% | 7.50% |
Frequently asked
- Which has the lower trailing P/E, CIVB or DGICB?
- DGICB has the lower trailing P/E: CIVB trades at 9.91 and DGICB at 8.51. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, CIVB or DGICB?
- Over the past five years, CIVB grew revenue faster — CIVB at a 11.24% CAGR versus DGICB at 3.86%.
- Does CIVB or DGICB pay a bigger dividend?
- CIVB yields 2.65% and DGICB yields 3.89% based on trailing dividends and the latest price.
- Is CIVB or DGICB more profitable?
- CIVB runs the higher net margin — CIVB at 24.20% versus DGICB at 7.38%.
- How have CIVB and DGICB total returns compared?
- Over the past 10 years, CIVB delivered 8.78% and DGICB delivered 2.95% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Civista Bancshares & Donegal 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.