ATLCP vs CIVB

Comparison between Atlanticus Holdings Corp (ATLCP, Company) and Civista Bancshares Inc (CIVB, Company).

Both ATLCP and CIVB are from the Financial Services sector.

5-Year PerformanceATLCP has outperformed CIVB, delivering a return of +8.3% compared to +8.1%

ATLCP vs CIVB - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	ATLCP(COMPANY)	CIVB(COMPANY)
Market Cap	$613M	$606M
Max Drawdown	37.48%	90.89%
Sharpe Ratio	1.23	1.65
5Y Beta	0.11	0.63
Industry	Credit Services	Banks - Regional
P/E Ratio	3.20	10.52
Forward P/E	N/A	9.53
PEG Ratio	N/A	0.33
Dividend Yield	N/A	2.39%
5Y Dividends CAGR	N/A	8.76%
5Y EPS CAGR	N/A	18.98%
Debt to Equity	N/A	0.00%
Free Cash Flow Yield	N/A	8.34%
P/S Ratio	N/A	3.31
P/B Ratio	N/A	1.07

Market Cap

Winner

ATLCP

$613M

CIVB

$606M

Max Drawdown

Winner

ATLCP

37.48%

CIVB

90.89%

Sharpe Ratio

ATLCP

1.23

Winner

CIVB

1.65

5Y Beta

Winner

ATLCP

0.11

CIVB

0.63

Industry

ATLCP

Credit Services

CIVB

Banks - Regional

P/E Ratio

Winner

ATLCP

3.20

CIVB

10.52

Forward P/E

ATLCP

N/A

CIVB

9.53

PEG Ratio

ATLCP

N/A

CIVB

0.33

Dividend Yield

ATLCP

N/A

CIVB

2.39%

5Y Dividends CAGR

ATLCP

N/A

CIVB

8.76%

5Y EPS CAGR

ATLCP

N/A

CIVB

18.98%

Debt to Equity

ATLCP

N/A

CIVB

0.00%

Free Cash Flow Yield

ATLCP

N/A

CIVB

8.34%

P/S Ratio

ATLCP

N/A

CIVB

3.31

P/B Ratio

ATLCP

N/A

CIVB

1.07

ATLCP vs CIVB - Historical Returns

Returns include dividend reinvestment.

Period	ATLCP	CIVB
1 month	+1.10%	+0.21%
3 months	+4.51%	+16.75%
6 months	+4.35%	+22.21%
1 year	+19.87%	+54.00%
5 years(CAGR)	+8.28%	+8.13%
10 years(CAGR)	N/A	+10.24%
Max(CAGR)	+8.25%	+4.60%

Winner

ATLCP

+1.10%

CIVB

+0.21%

ATLCP

+4.51%

Winner

CIVB

+16.75%

ATLCP

+4.35%

Winner

CIVB

+22.21%

ATLCP

+19.87%

Winner

CIVB

+54.00%

5Y(CAGR)

Winner

ATLCP

+8.28%

CIVB

+8.13%

10Y(CAGR)

ATLCP

N/A

CIVB

+10.24%

Max(CAGR)

Winner

ATLCP

+8.25%

CIVB

+4.60%

ATLCP vs CIVB - Annual Returns (2001 - 2026)

Returns include dividend reinvestment.

Year	ATLCP	CIVB
2026	+5.43%	+34.77%
2025	+13.94%	+12.54%
2024	+9.54%	+19.02%
2023	+40.70%	-11.16%
2022	-24.98%	-8.50%
2021	+6.18%	+41.05%
2020	N/A	-25.07%
2019	N/A	+43.00%
2018	N/A	-19.48%
2017	N/A	+15.14%
2016	N/A	+66.47%
2015	N/A	+28.12%
2014	N/A	+59.93%
2013	N/A	+23.96%
2012	N/A	+32.89%
2011	N/A	+1.56%
2010	N/A	-14.41%
2009	N/A	-23.15%
2008	N/A	-53.83%
2007	N/A	-24.22%
2006	N/A	+6.60%
2005	N/A	-14.43%
2004	N/A	-16.04%
2003	N/A	+22.69%
2002	N/A	+13.73%
2001	N/A	+14.08%

ATLCP vs CIVB Drawdown Comparison

The maximum drawdown for ATLCP was -30.60%, occurring on Mar 17, 2023. Recovery took 421 trading sessions.

The maximum drawdown for CIVB was -87.15%, occurring on Oct 7, 2011. Recovery took 3458 trading sessions.

The current CIVB drawdown is -0.82%.

Rank	ATLCP	CIVB
#1	-30.60% Apr 4, 2022 - Dec 6, 2023	-87.15% Apr 28, 2003 - Feb 3, 2017
#2	-12.64% Mar 6, 2026 - Jun 2, 2026	-53.27% Jun 6, 2018 - Jun 7, 2021
#3	-10.85% Mar 15, 2024 - Nov 13, 2024	-42.06% Nov 23, 2021 - May 2, 2025
#4	-7.69% Dec 15, 2023 - Mar 11, 2024	-24.00% Oct 12, 2001 - Aug 22, 2002
#5	-6.84% Dec 2, 2024 - Aug 26, 2025	-22.85% Jul 3, 2025 - Feb 4, 2026
#6	-5.13% Jan 25, 2022 - Apr 4, 2022	-21.11% Jan 31, 2001 - Jul 9, 2001
#7	-4.63% Sep 23, 2025 - Jan 13, 2026	-16.43% Feb 14, 2017 - Oct 10, 2017
#8	-3.32% Jun 5, 2026 - Jun 24, 2026	-11.49% Feb 5, 2026 - Apr 24, 2026
#9	-2.64% Jun 2, 2026 - Jun 5, 2026	-11.33% Nov 29, 2017 - Mar 6, 2018
#10	-2.07% Sep 2, 2021 - Dec 2, 2021	-11.27% Oct 10, 2017 - Nov 29, 2017
#11	-1.54% Feb 27, 2026 - Mar 6, 2026	-9.89% Jun 7, 2021 - Aug 11, 2021
#12	-1.42% Jun 14, 2021 - Jul 6, 2021	-8.45% Aug 27, 2001 - Oct 9, 2001
#13	-1.21% Dec 8, 2023 - Dec 13, 2023	-8.42% May 15, 2025 - Jul 2, 2025
#14	-1.18% Jul 2, 2026 - Jul 9, 2026	-7.97% Mar 7, 2018 - May 22, 2018
#15	-1.14% Nov 13, 2024 - Nov 19, 2024	-7.21% Aug 11, 2021 - Oct 5, 2021

Correlation

Correlation between ATLCP and CIVB is 0.60 which considered as a moderate positive correlation - the stocks show some tendency to move together.

0.60

-101

Dividend Comparison (2001 - 2026)

ATLCP vs CIVB dividend yield comparison.

Year	ATLCP	CIVB
2026	3.89%	1.24%
2025	7.94%	3.06%
2024	8.31%	3.04%
2023	8.37%	3.31%
2022	10.90%	2.54%
2021	3.86%	2.13%
2020	0.00%	2.51%
2019	0.00%	1.75%
2018	0.00%	1.84%
2017	0.00%	1.14%
2016	0.00%	1.13%
2015	0.00%	1.56%
2014	0.00%	1.85%
2013	0.00%	2.30%
2012	0.00%	2.29%
2011	0.00%	0.74%
2009	0.00%	5.38%
2008	0.00%	15.19%
2007	0.00%	7.97%
2006	0.00%	5.69%
2005	0.00%	5.74%
2004	0.00%	4.63%
2003	0.00%	3.67%
2002	0.00%	5.48%
2001	0.00%	4.66%