Civista vs Kearny Financial

This page compares Civista and Kearny Financial, examining their business models, financial performance, and market context in clear, accessible terms. You will find neutral insights that help readers understand how each organisation positions itself within the financial sector, without favour or speculation. Educational content, not financial advice.

Comparison Snapshot

Key Financial Metrics

CIVB

Metric

KRNY

$465.57M

Market Cap

$510.14M

5.89%

Potential Profit

-3.15%

Buy

Analyst Rating

Buy

Investment Analysis

Civista

CIVB

Pros

Civista Bancshares reported strong Q3 2025 results, with earnings per share of $0.68 surpassing forecasts by 13.33%.
The company achieved a 53% year-over-year increase in net income for Q3 2025, demonstrating robust profitability growth.
The pending merger with Farmers Savings Bank is expected to enhance Civista's market position and operational scale.

Considerations

Despite strong earnings, Civista's stock price declined slightly by 0.74%, reflecting broader market headwinds.
The stock trades at a P/E ratio of 8.5x, which is above its estimated fair value, possibly limiting near-term valuation upside.
Operating as a small-cap community bank, Civista faces exposure to regional economic cyclicality and interest rate fluctuations.

Kearny Financial

KRNY

Pros

Kearny Financial has a consistent community banking focus with diversified loan portfolios including commercial and residential real estate.
The company has shown steady revenue growth driven by an expanding deposit base and improved net interest income.
Operational efficiencies and conservative credit risk management have strengthened Kearny’s profitability margins recently.

Considerations

Kearny Financial’s growth is constrained by its exposure to regional competition and limited geographic footprint.
The bank remains sensitive to Federal Reserve rate movements, which can pressure net interest margins in varying rate environments.
Execution risks persist around loan portfolio quality amid potential economic headwinds and regulatory constraints.

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.

Kearny Financial (KRNY)

Kearny Financial Corp. serves as the holding company for Kearny Bank, a savings bank chartered in New Jersey. The bank's core business involves attracting deposits from the public to fund its lending and investment activities. Its loan portfolio is diversified, including multi-family and non-residential mortgages, commercial business loans, and residential mortgages. This focus on lending is complemented by a portfolio of investment securities, which includes government agency securities and corporate bonds. With a network of 43 retail branches across northern and central New Jersey, as well as Brooklyn and Staten Island in New York, Kearny Financial has a significant presence in its regional market. This local focus allows it to build deep community ties, although performance can be influenced by regional economic trends. As with any investment, past performance is not indicative of future results.

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Civista vs Kearny Financial

Comparison Snapshot

Investment Analysis

Civista

Pros

Considerations

Kearny Financial

Pros

Considerations

About The Companies

Buy CIVB or KRNY in Nemo

Zero Commission

Trusted & Regulated

6% Interest on Cash

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Frequently asked questions

Comparison Snapshot

About The Companies

Civista vs Kearny Financial

Comparison Snapshot

Investment Analysis

Civista

Pros

Considerations

Kearny Financial

Pros

Considerations

About The Companies

Buy CIVB or KRNY in Nemo

Zero Commission

Trusted & Regulated

6% Interest on Cash

Discover More Comparisons

Civista vs Allspring Income Opportunities Fund

Civista vs Blue Ridge Bankshares

Civista vs Greenlight Re

Frequently asked questions

What is the main purpose of comparing Civista and Kearny Financial side by side?

How should I interpret a company’s earnings per share in this context?

What does net income growth indicate for Civista in Q3 2025?

How should I view Civista’s P/E ratio in relation to its fair value?

What role does a pending merger play in evaluating Civista?

What are the main profitability drivers for Kearny Financial?

What risks are highlighted for Kearny Financial?

How does regional economics affect small-cap banks like Civista and Kearny?

Why are interest rate movements important when comparing banks?

How should I use this page to form a neutral view of the two stocks?

What is the educational disclaimer I should note about this comparison?

Comparison Snapshot

About The Companies