Civista vs Blue Ridge Bankshares

This page compares Civista and Blue Ridge Bankshares, outlining how each bank approaches its business model, financial performance, and market context. It presents strategy, profitability indicators, and competitive landscape in clear terms. The aim is to inform without directing actions. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

CIVB

Metric

BRBS

$465.57M

Market Cap

$399.81M

5.89%

Potential Profit

N/A

Buy

Analyst Rating

N/A

Investment Analysis

Civista

CIVB

Pros

Civista Bancshares reported a 53% year-over-year increase in net income in Q3 2025, reflecting strong profitability growth.
The company surpassed EPS and revenue forecasts in Q3 2025, with earnings per share of $0.68 and revenue of $44.1 million.
A pending merger with Farmers Savings Bank is expected to enhance Civista's market position and growth prospects.

Considerations

Despite strong earnings, Civista’s stock price declined slightly recently, indicating possible market skepticism or broader sector pressure.
The stock is trading above its fair value based on its price-to-earnings ratio of 8.5x, which may limit near-term upside.
Wall Street consensus is mostly a hold rating, suggesting cautious investor sentiment and moderate expectations.

Blue Ridge Bankshares

BRBS

Pros

Blue Ridge Bankshares offers diversified banking services across multiple segments including commercial banking, mortgage, and consumer lending.
The company has a strong regional presence with operations in numerous Virginia and North Carolina locations.
Established since 1893, Blue Ridge Bankshares benefits from a long-standing operational history and customer relationships.

Considerations

Blue Ridge Bankshares’ stock price remains relatively low and shows limited recent volatility, indicating potential challenges in growth momentum.
The bank operates in a highly competitive regional banking market, which may pressure margins and growth.
Exposure to interest rate fluctuations and regional economic conditions may increase financial performance volatility.

About The Companies

Civista (CIVB)

Civista Bancshares, Inc. is a financial holding company operating primarily through its subsidiary, Civista Bank. It delivers a comprehensive suite of financial services, including full-service banking, commercial lending, and mortgages, to communities across Ohio, Indiana, and Kentucky. The company's core business involves gathering customer deposits and extending loans, but it also diversifies its operations. Through its Civista Leasing & Financing division, it engages in equipment leasing and financing. Additionally, its Civista Wealth Management arm provides personalised investment management, financial planning, and trust services to individuals, families, and businesses. This multi-faceted approach allows it to cater to a wide range of financial needs within its regional markets. As with any investment, it's important to remember that the value can go down as well as up, and returns are not guaranteed.

Blue Ridge Bankshares (BRBS)

Blue Ridge Bankshares, Inc. is a bank holding company that operates primarily through its main subsidiary, Blue Ridge Bank. The firm provides a comprehensive range of financial services to a varied customer base that includes consumers, businesses, professionals, and local municipalities. Its operations are divided into key segments like commercial banking and mortgage banking. Through its bank, the company offers standard retail and commercial products such as checking and savings accounts, various types of loans including commercial, residential, and home equity, as well as online and mobile banking. Additionally, its financial group provides wealth management services, including investment advice, estate planning, and trust administration. This structure allows the company to serve diverse financial needs, from day-to-day banking to long-term financial planning. As with any financial institution, its performance can be influenced by economic conditions and interest rate changes.

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Comparison Snapshot