Civista Bancshares, Inc. (CIVB) vs Greene County Bancorp, Inc. (GCBC)
A side-by-side comparison of Civista Bancshares, Inc. and Greene County Bancorp, 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 GCBC
growth of $100 · dividends reinvested · last 10yCIVB vs GCBC: by the numbers
- •GCBC is the larger company ($584M vs $557M market cap).
- •CIVB trades at the lower trailing earnings multiple (9.93 vs 14.24 P/E), one valuation lens rather than an overall verdict.
- •GCBC converts more revenue to profit (28.14% vs 24.20% net margin).
- •GCBC grew revenue faster over the past five years (16.48% vs 11.24% CAGR).
- •CIVB pays the higher dividend yield (2.65% vs 1.19%).
Metrics side by side
Valuation
| Metric | CIVB | GCBC |
|---|---|---|
| P/E ratio | 9.93 | 14.24 |
| Forward P/E | 9.44 | N/A |
| PEG ratio | 1.74 | 1.26 |
| P/S ratio | 2.48 | 4.01 |
| P/B ratio | 0.98 | 2.10 |
Profitability
| Metric | CIVB | GCBC |
|---|---|---|
| Operating margin | 21.66% | 32.12% |
| Net margin | 24.20% | 28.14% |
| ROE | 9.59% | 14.77% |
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.
Greene County Bancorp, 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 | GCBC |
|---|---|---|
| Dividend yield | 2.65% | 1.19% |
| Payout ratio | 26.30% | 17.01% |
Growth (annualized)
| Metric | CIVB | GCBC |
|---|---|---|
| Revenue CAGR (5Y) | 11.24% | 16.48% |
| EPS CAGR (5Y) | 5.71% | 11.32% |
| Total return CAGR (5Y) | 4.69% | 15.98% |
Frequently asked
- Which has the lower trailing P/E, CIVB or GCBC?
- CIVB has the lower trailing P/E: CIVB trades at 9.93 and GCBC at 14.24. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, CIVB or GCBC?
- Over the past five years, GCBC grew revenue faster — CIVB at a 11.24% CAGR versus GCBC at 16.48%.
- Does CIVB or GCBC pay a bigger dividend?
- CIVB yields 2.65% and GCBC yields 1.19% based on trailing dividends and the latest price.
- Is CIVB or GCBC more profitable?
- GCBC runs the higher net margin — CIVB at 24.20% versus GCBC at 28.14%.
- How have CIVB and GCBC total returns compared?
- Over the past 10 years, CIVB delivered 8.78% and GCBC delivered 16.87% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Civista Bancshares & Greene County Bancorp 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.