CIVB vs HSBC: Which Is the Better Dividend Stock?
As of Oct 18, 2026, CIVB and HSBC are closely matched. HSBC offers the higher yield at 3.97%, CIVB has the higher dividend-safety score, and HSBC looks like the better value (its fair-value estimate is 44% above its share price).
Key facts: CIVB vs HSBC
Data as of · Source: SmarterDividends data
- As of Oct 18, 2026, HSBC Holdings plc (HSBC) has the higher forward dividend yield at 3.97%, versus 2.68% for Civista Bancshares, Inc. (CIVB).
- As of Oct 18, 2026, SmarterDividends grades CIVB's dividend safety A (86/100) and HSBC's B (72/100).
- By SmarterDividends' count as of Oct 18, 2026, CIVB has raised its dividend for 13 consecutive years and HSBC for 0.
- As of Oct 18, 2026, CIVB pays out 26% of its earnings as dividends and HSBC pays out 54%.
- As of Oct 18, 2026, CIVB's fair-value estimate is 34% above its share price and HSBC's fair-value estimate is 44% above its share price, so HSBC looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "CIVB vs HSBC: Dividend Yield, Safety & Value Compared," updated Oct 18, 2026, https://smarterdividends.com/compare/civb-vs-hsbc
| Metric | CIVB | HSBC |
|---|---|---|
| Forward yield | 2.68% | 3.97% |
| Annual dividend | $0.72 | $3.75 |
| Payout ratio | 26% | 54% |
| Years of growth | 13 yr | 0 yr |
| 5-yr dividend growth | 9.1% | -13.8% |
| 5-yr total return | 14% | 242% |
| Dividend safety score | 86 (A) | 72 (B) |
| Fair value estimate | $35.94 | $135.99 |
| Upside to fair value | +34% | +44% |
| Frequency | quarterly | quarterly |
| Market cap | $558.3M | $323.4B |
| P/E ratio | 10.0 | 13.5 |
Higher yield
HSBC
3.97%
Safer dividend
CIVB
Grade A
Faster growth
CIVB
9.1%
Better value
HSBC
+44% upside
CIVB vs HSBC — FAQ
Is CIVB or HSBC a better dividend stock?
CIVB and HSBC are closely matched. HSBC has the higher yield; CIVB scores better on safety.
Which has a higher dividend yield, CIVB or HSBC?
HSBC has the higher forward dividend yield at 3.97%, versus 2.68% for CIVB.
Is CIVB or HSBC safer?
CIVB has the higher dividend-safety score (86/100 vs 72/100), reflecting stronger payout coverage and dividend-growth history.
Is CIVB or HSBC better value right now?
As of Oct 18, 2026, HSBC looks like the better value: its fair-value estimate is 44% above its share price (undervalued). For CIVB, its fair-value estimate is 34% above its share price.
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