Civista Bancshares, Inc. (CIVB) vs Kearny Financial Corp. (KRNY)
A side-by-side comparison of Civista Bancshares, Inc. and Kearny Financial Corp. 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 KRNY
growth of $100 · dividends reinvested · last 10yCIVB vs KRNY: by the numbers
- •KRNY is the larger company ($580M vs $556M market cap).
- •CIVB trades at the lower trailing earnings multiple (9.91 vs 16.17 P/E), one valuation lens rather than an overall verdict.
- •CIVB converts more revenue to profit (24.20% vs 10.45% net margin).
- •CIVB grew revenue faster over the past five years (11.24% vs 6.28% CAGR).
- •KRNY pays the higher dividend yield (4.75% vs 2.65%).
Metrics side by side
Valuation
| Metric | CIVB | KRNY |
|---|---|---|
| P/E ratio | 9.91 | 16.17 |
| Forward P/E | 9.42 | 11.71 |
| PEG ratio | 1.74 | N/A |
| P/S ratio | 2.48 | 1.67 |
| P/B ratio | 0.98 | 0.76 |
Profitability
| Metric | CIVB | KRNY |
|---|---|---|
| Operating margin | 21.66% | 13.66% |
| Net margin | 24.20% | 10.45% |
| ROE | 9.59% | 4.73% |
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.
Kearny Financial Corp.: 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 | KRNY |
|---|---|---|
| Dividend yield | 2.65% | 4.75% |
| Payout ratio | 26.30% | 77.19% |
Growth (annualized)
| Metric | CIVB | KRNY |
|---|---|---|
| Revenue CAGR (5Y) | 11.24% | 6.28% |
| EPS CAGR (5Y) | 5.71% | -5.51% |
| Total return CAGR (5Y) | 4.69% | -1.00% |
Frequently asked
- Which has the lower trailing P/E, CIVB or KRNY?
- CIVB has the lower trailing P/E: CIVB trades at 9.91 and KRNY at 16.17. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, CIVB or KRNY?
- Over the past five years, CIVB grew revenue faster — CIVB at a 11.24% CAGR versus KRNY at 6.28%.
- Does CIVB or KRNY pay a bigger dividend?
- CIVB yields 2.65% and KRNY yields 4.75% based on trailing dividends and the latest price.
- Is CIVB or KRNY more profitable?
- CIVB runs the higher net margin — CIVB at 24.20% versus KRNY at 10.45%.
- How have CIVB and KRNY total returns compared?
- Over the past 10 years, CIVB delivered 8.78% and KRNY delivered 0.04% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Civista Bancshares & Kearny Financial 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.