Civista Bancshares, Inc. (CIVB) vs Home Bancorp, Inc. (HBCP)
A side-by-side comparison of Civista Bancshares, Inc. and Home 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 HBCP
growth of $100 · dividends reinvested · last 10yCIVB vs HBCP: by the numbers
- •CIVB is the larger company ($557M vs $530M market cap).
- •CIVB trades at the lower trailing earnings multiple (9.92 vs 11.26 P/E), one valuation lens rather than an overall verdict.
- •CIVB converts more revenue to profit (24.20% vs 22.22% net margin).
- •HBCP grew revenue faster over the past five years (11.68% vs 11.24% CAGR).
- •CIVB pays the higher dividend yield (2.65% vs 1.86%).
Metrics side by side
Valuation
| Metric | CIVB | HBCP |
|---|---|---|
| P/E ratio | 9.92 | 11.26 |
| Forward P/E | 9.43 | 11.29 |
| PEG ratio | 1.74 | 0.72 |
| P/S ratio | 2.48 | 2.52 |
| P/B ratio | 0.98 | 1.17 |
Profitability
| Metric | CIVB | HBCP |
|---|---|---|
| Operating margin | 21.66% | 28.04% |
| Net margin | 24.20% | 22.22% |
| ROE | 9.59% | 10.31% |
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.
Home 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 | HBCP |
|---|---|---|
| Dividend yield | 2.65% | 1.86% |
| Payout ratio | 26.30% | 20.90% |
Growth (annualized)
| Metric | CIVB | HBCP |
|---|---|---|
| Revenue CAGR (5Y) | 11.24% | 11.68% |
| EPS CAGR (5Y) | 5.71% | 15.70% |
| Total return CAGR (5Y) | 4.69% | 14.13% |
Frequently asked
- Which has the lower trailing P/E, CIVB or HBCP?
- CIVB has the lower trailing P/E: CIVB trades at 9.92 and HBCP at 11.26. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, CIVB or HBCP?
- Over the past five years, HBCP grew revenue faster — CIVB at a 11.24% CAGR versus HBCP at 11.68%.
- Does CIVB or HBCP pay a bigger dividend?
- CIVB yields 2.65% and HBCP yields 1.86% based on trailing dividends and the latest price.
- Is CIVB or HBCP more profitable?
- CIVB runs the higher net margin — CIVB at 24.20% versus HBCP at 22.22%.
- How have CIVB and HBCP total returns compared?
- Over the past 10 years, CIVB delivered 8.78% and HBCP delivered 11.85% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Civista Bancshares & Home 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.