Head to Head Analysis: Sberbank of Russia (OTCMKTS:SBRCY) and Civista Bancshares (NASDAQ:CIVB)

Sberbank of Russia (OTCMKTS:SBRCY) and Civista Bancshares (NASDAQ:CIVB) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their risk, earnings, analyst recommendations, valuation, profitability, dividends and institutional ownership.

Dividends

Sberbank of Russia pays an annual dividend of $0.85 per share and has a dividend yield of 163.5%. Civista Bancshares pays an annual dividend of $0.64 per share and has a dividend yield of 4.5%. Civista Bancshares pays out 27.5% of its earnings in the form of a dividend. Civista Bancshares has increased its dividend for 13 consecutive years.

Earnings & Valuation

This table compares Sberbank of Russia and Civista Bancshares’ top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Sberbank of Russia	$49.52 billion	0.06	$16.97 billion	N/A	N/A
Civista Bancshares	$219.90 million	1.01	$42.96 million	$2.33	6.05

Sberbank of Russia has higher revenue and earnings than Civista Bancshares.

Analyst Ratings

This is a summary of current ratings for Sberbank of Russia and Civista Bancshares, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Sberbank of Russia	0	0	0	0	N/A
Civista Bancshares	0	3	1	0	2.25

Civista Bancshares has a consensus price target of $17.75, suggesting a potential upside of 25.89%. Given Civista Bancshares’ higher possible upside, analysts clearly believe Civista Bancshares is more favorable than Sberbank of Russia.

Risk & Volatility

Sberbank of Russia has a beta of 1.56, indicating that its stock price is 56% more volatile than the S&P 500. Comparatively, Civista Bancshares has a beta of 0.81, indicating that its stock price is 19% less volatile than the S&P 500.

Profitability

This table compares Sberbank of Russia and Civista Bancshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Sberbank of Russia	40.80%	21.45%	2.97%
Civista Bancshares	16.38%	10.23%	0.97%

Insider and Institutional Ownership

0.1% of Sberbank of Russia shares are owned by institutional investors. Comparatively, 52.1% of Civista Bancshares shares are owned by institutional investors. 3.0% of Civista Bancshares shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Summary

Sberbank of Russia beats Civista Bancshares on 8 of the 14 factors compared between the two stocks.

About Sberbank of Russia

Sberbank of Russia, together with its subsidiaries, provides corporate and retail banking products and services to individuals, small businesses, corporate clients, and financial institutions. The company offers deposit products; pension accounts; payment, transfer, brokerage, and asset management services; car, housing, education, and consumer loans; mortgages; debit and credit cards, and overdraft service; and refinancing products. It also provides derivative, financial instrument, foreign currency, precious metal, corporate structured, and commodities and securities products, as well as debt and capital markets funding, documentary, and other commission services. In addition, it offers life, property, bank card, accident, liability, trust management, investment and universal life, travel, and mutual investment funds insurance products, as well as individual pension plans and corporate pension programs. Additionally, the company provides business bank accounts, platform for exporters and importers, merchant acquiring and international trading services, and corporate cards for small businesses; and loans, investment products and capital markets services, fund investment services, and banking services for corporate clients. It also provides trade finance, interbank lending, currency risk hedging, and treasury services; deposits, custody services, and electronic trading systems; and settlement and cash collection services to financial institutions. As of December 31, 2020, the company operated 11 Regional banks and 14,162 branches in Russia. The company also has operations in 18 countries internationally. Sberbank of Russia was founded in 1841 and is headquartered in Moscow, Russia.

About Civista Bancshares

Civista Bancshares, Inc. operates as the financial holding company for Civista Bank that provides community banking services. It collects a range of customer deposits; and offers commercial and agriculture, commercial and residential real estate, farm real estate, real estate construction, consumer, and other loans, as well as letters of credit. The company also holds and manages securities portfolio; leases general equipment; and provides captive insurance products. It operates in North Central, West Central, South Western Ohio, South Eastern Indiana, and Northern Kentucky. The company was formerly known as First Citizens Banc Corp and changed its name to Civista Bancshares, Inc. in May 2015. Civista Bancshares, Inc. was founded in 1884 and is headquartered in Sandusky, Ohio.