CIVB vs MA: Which Is the Better Dividend Stock?
As of Oct 18, 2026, MA (Mastercard Incorporated) screens as the stronger dividend stock, winning 6 of 8 head-to-head metrics. CIVB offers the higher yield at 2.68%, MA has the higher dividend-safety score, and CIVB looks like the better value (its fair-value estimate is 34% above its share price).
Key facts: CIVB vs MA
Data as of · Source: SmarterDividends data
- As of Oct 18, 2026, Civista Bancshares, Inc. (CIVB) has the higher forward dividend yield at 2.68%, versus 0.56% for Mastercard Incorporated (MA).
- As of Oct 18, 2026, SmarterDividends grades CIVB's dividend safety A (86/100) and MA's A (89/100).
- By SmarterDividends' count as of Oct 18, 2026, CIVB has raised its dividend for 13 consecutive years and MA for 14.
- As of Oct 18, 2026, CIVB pays out 26% of its earnings as dividends and MA pays out 18%.
- As of Oct 18, 2026, CIVB's fair-value estimate is 34% above its share price and MA's fair-value estimate is 23% below its share price, so CIVB looks like the better value of the two on SmarterDividends' blended model.
Cite this page
SmarterDividends, "CIVB vs MA: Dividend Yield, Safety & Value Compared," updated Oct 18, 2026, https://smarterdividends.com/compare/civb-vs-ma
| Metric | CIVB | MA |
|---|---|---|
| Forward yield | 2.68% | 0.56% |
| Annual dividend | $0.72 | $3.48 |
| Payout ratio | 26% | 18% |
| Years of growth | 13 yr | 14 yr |
| 5-yr dividend growth | 9.1% | 13.7% |
| 5-yr total return | 14% | 96% |
| Dividend safety score | 86 (A) | 89 (A) |
| Fair value estimate | $35.94 | $474.95 |
| Upside to fair value | +34% | -23% |
| Frequency | quarterly | quarterly |
| Market cap | $558.3M | $540.9B |
| P/E ratio | 10.0 | 34.0 |
Higher yield
CIVB
2.68%
Safer dividend
MA
Grade A
Faster growth
MA
13.7%
Better value
CIVB
+34% upside
CIVB vs MA — FAQ
Is CIVB or MA a better dividend stock?
On the data, MA wins more head-to-head categories (6 vs 2). CIVB offers the higher yield (2.68%), while MA has the stronger dividend-safety score. The right pick depends on whether you prioritise income, safety or value.
Which has a higher dividend yield, CIVB or MA?
CIVB has the higher forward dividend yield at 2.68%, versus 0.56% for MA.
Is CIVB or MA safer?
MA has the higher dividend-safety score (89/100 vs 86/100), reflecting stronger payout coverage and dividend-growth history.
Is CIVB or MA better value right now?
As of Oct 18, 2026, CIVB looks like the better value: its fair-value estimate is 34% above its share price (undervalued). For MA, its fair-value estimate is 23% below its share price.
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See more dividend stock comparisons · data refreshes daily · for informational purposes only, not investment advice.