PAR vs CIVB

Comparison between Par Technology Corp (PAR, Company) and Civista Bancshares Inc (CIVB, Company).

PAR is from the Technology sector, while CIVB is from the Financial Services sector.

5-Year PerformanceCIVB has outperformed PAR, delivering a return of +7.0% compared to -25.2%

PAR vs CIVB - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	PAR(COMPANY)	CIVB(COMPANY)
Market Cap	$556M	$555M
Max Drawdown	88.42%	90.89%
Sharpe Ratio	-1.90	0.77
5Y Beta	1.43	0.66
Industry	Software - Application	Banks - Regional
P/E Ratio	-7.20	9.65
Forward P/E	9.27	9.53
PEG Ratio	-0.00	0.31
Dividend Yield	N/A	2.58%
5Y Dividends CAGR	N/A	8.76%
5Y EPS CAGR	2.39%	18.98%
Debt to Equity	51.37%	0.00%
Free Cash Flow Yield	-5.37%	9.10%
P/S Ratio	1.17	3.11
P/B Ratio	0.68	1.00

Market Cap

Winner

PAR

$556M

CIVB

$555M

Max Drawdown

Winner

PAR

88.42%

CIVB

90.89%

Sharpe Ratio

PAR

-1.90

Winner

CIVB

0.77

5Y Beta

PAR

1.43

Winner

CIVB

0.66

Industry

PAR

Software - Application

CIVB

Banks - Regional

P/E Ratio

Winner

PAR

-7.20

CIVB

9.65

Forward P/E

Winner

PAR

9.27

CIVB

9.53

PEG Ratio

Winner

PAR

-0.00

CIVB

0.31

Dividend Yield

PAR

N/A

CIVB

2.58%

5Y Dividends CAGR

PAR

N/A

CIVB

8.76%

5Y EPS CAGR

PAR

2.39%

Winner

CIVB

18.98%

Debt to Equity

PAR

51.37%

Winner

CIVB

0.00%

Free Cash Flow Yield

PAR

-5.37%

Winner

CIVB

9.10%

P/S Ratio

Winner

PAR

1.17

CIVB

3.11

P/B Ratio

Winner

PAR

0.68

CIVB

1.00

PAR vs CIVB - Historical Returns

Returns include dividend reinvestment.

Period	PAR	CIVB
1 month	-4.06%	+10.88%
3 months	-5.99%	+23.84%
6 months	-59.61%	+14.47%
1 year	-76.58%	+23.03%
5 years(CAGR)	-25.20%	+6.99%
10 years(CAGR)	+12.26%	+11.26%
Max(CAGR)	+6.26%	+4.36%

PAR

-4.06%

Winner

CIVB

+10.88%

PAR

-5.99%

Winner

CIVB

+23.84%

PAR

-59.61%

Winner

CIVB

+14.47%

PAR

-76.58%

Winner

CIVB

+23.03%

5Y(CAGR)

PAR

-25.20%

Winner

CIVB

+6.99%

10Y(CAGR)

Winner

PAR

+12.26%

CIVB

+11.26%

Max(CAGR)

Winner

PAR

+6.26%

CIVB

+4.36%

PAR vs CIVB - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	PAR	CIVB
2026	-58.30%	+26.19%
2025	-49.27%	+12.54%
2024	+70.23%	+19.02%
2023	+64.05%	-11.16%
2022	-50.95%	-8.50%
2021	-12.39%	+41.05%
2020	+98.83%	-25.07%
2019	+39.85%	+43.00%
2018	+136.41%	-19.48%
2017	+70.00%	+15.14%
2016	-13.35%	+66.47%
2015	+12.73%	+28.12%
2014	+14.95%	+59.93%
2013	+9.44%	+23.96%
2012	+23.12%	+32.89%
2011	-34.11%	+1.56%
2010	-5.46%	-14.41%
2009	+0.70%	-23.15%
2008	-26.97%	-53.83%
2007	-13.37%	-24.22%
2006	-51.23%	+6.60%
2005	+146.76%	-14.43%
2004	+44.39%	-16.04%
2003	+16.30%	+22.69%
2002	+165.39%	+13.73%
2001	+38.66%	+14.08%
2000	-62.94%	N/A
1999	+5.56%	N/A

PAR vs CIVB Drawdown Comparison

The maximum drawdown for PAR was -88.42%, occurring on Nov 25, 2008. Recovery took 3301 trading sessions.

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

The current PAR drawdown is -83.20%.

Rank	PAR	CIVB
#1	-88.42% Jul 22, 2005 - Aug 31, 2018	-87.15% Apr 28, 2003 - Feb 3, 2017
#2	-86.68% Feb 22, 2021 - Apr 10, 2026	-53.27% Jun 6, 2018 - Jun 7, 2021
#3	-72.99% Feb 8, 2000 - Oct 18, 2002	-42.06% Nov 23, 2021 - May 2, 2025
#4	-69.20% Jan 29, 2020 - Aug 6, 2020	-24.00% Oct 12, 2001 - Aug 22, 2002
#5	-44.14% Dec 3, 2002 - Dec 2, 2003	-22.85% Jul 3, 2025 - Feb 4, 2026
#6	-37.19% Aug 31, 2018 - Feb 13, 2019	-21.11% Jan 31, 2001 - Jul 9, 2001
#7	-32.11% Apr 5, 2004 - Jan 25, 2005	-16.43% Feb 14, 2017 - Oct 10, 2017
#8	-25.21% Jun 10, 2019 - Nov 8, 2019	-11.49% Feb 5, 2026 - Apr 24, 2026
#9	-22.66% Feb 25, 2019 - May 28, 2019	-11.33% Nov 29, 2017 - Mar 6, 2018
#10	-19.81% Sep 28, 2020 - Nov 11, 2020	-11.27% Oct 10, 2017 - Nov 29, 2017
#11	-16.28% Nov 19, 1999 - Jan 19, 2000	-9.89% Jun 7, 2021 - Aug 11, 2021
#12	-15.49% Jan 20, 2021 - Feb 2, 2021	-8.45% Aug 27, 2001 - Oct 9, 2001
#13	-13.90% Mar 5, 2004 - Apr 1, 2004	-8.42% May 15, 2025 - Jul 2, 2025
#14	-12.12% Dec 17, 2020 - Jan 14, 2021	-7.97% Mar 7, 2018 - May 22, 2018
#15	-11.69% Jun 17, 2005 - Jul 12, 2005	-7.21% Aug 11, 2021 - Oct 5, 2021

Correlation

Correlation between PAR and CIVB is 0.65 which considered as a moderate positive correlation - the stocks show some tendency to move together.

0.65

-101

Dividend Comparison (2001 - 2026)

PAR vs CIVB dividend yield comparison.

Year	PAR	CIVB
2026	0.00%	1.32%
2025	0.00%	3.06%
2024	0.00%	3.04%
2023	0.00%	3.31%
2022	0.00%	2.54%
2021	0.00%	2.13%
2020	0.00%	2.51%
2019	1.01%	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%