` CIVB (Civista Bancshares Inc) vs TFC (Truist Financial Corp) Comparison - Alpha Spread

CIVB
vs
TFC

Over the past 12 months, CIVB has outperformed TFC, delivering a return of +32% compared to the TFC's +12% growth.

Smart Verdict
AI-Powered

Not Sure Which Stock Wins?
Let AI Decide.
CIVB
TFC
One-click summary across all key metrics.
Ranked results with clear takeaways.
No spreadsheets, no guesswork.
One-click summary across all key metrics.
Ranked results with clear takeaways.
No spreadsheets, no guesswork.
Start AI Comparison
Valuation
Growth
Profitability
Solvency
Comparing Valuation
Running a multi-layered valuation analysis to compare how attractive each stock is.
Comparing Growth
Financial growth, forecasts, volatility, and historical drawdowns.
Comparing Profitability
Margins, returns on capital, and the consistency of profitability.
Comparing Solvency
Debt levels, liquidity, interest coverage, and bankruptcy risk.
Summarizing...
We need a little more time to summarize the results

Valuation Comparison

CIVB Intrinsic Value
HIDDEN
Show
TFC Intrinsic Value
HIDDEN
Show
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Civista Bancshares Inc
NASDAQ:CIVB
21.43 USD
Truist Financial Corp
NYSE:TFC
45.43 USD
Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
CIVB vs TFC

CIVB
TFC
Add Stock
Revenue
www.alphaspread.com
Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Civista Bancshares Inc
Revenue
Truist Financial Corp
Revenue

All metrics are calculated based on data from the last 10 years.

Profitability Comparison

Free Cash Flow
CIVB vs TFC

CIVB
TFC
Add Stock
Free Cash Flow
www.alphaspread.com
Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Civista Bancshares Inc
NASDAQ:CIVB
FCF is not applicable for financial companies
Truist Financial Corp
NYSE:TFC
FCF is not applicable for financial companies
What is Free Cash Flow?

Gross Margin

CIVB
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Civista Bancshares Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Operating Margin

CIVB
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Civista Bancshares Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Net Margin

CIVB
21.1%
TFC
34%

FCF Margin

CIVB
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Civista Bancshares Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROE

CIVB
10.7%
TFC
7.4%

ROA

CIVB
1%
TFC
0.9%

ROIC

CIVB
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Civista Bancshares Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROCE

CIVB
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
Civista Bancshares Inc
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Solvency Comparison

Balance Sheet Comparison

Stocks Performance

Stocks Performance
CIVB vs TFC

Loading

Performance Gap
CIVB vs TFC

Performance Gap Between CIVB and TFC
HIDDEN
Show

Performance By Year
CIVB vs TFC

Loading
CIVB
TFC
Add Stock
Not Sure Which Stock Wins?
Let AI Decide
One-click summary across all key metrics.
Ranked results with clear takeaways.
No spreadsheets, no guesswork.
Start AI Comparison
Compare CIVB to other stocks
Unlock Full Access to Alpha Spread
Create Free Account