CIVB vs. VIGI

Last updated Jul 3, 2026

CIVB (Civista Bancshares, Inc.) is a stock, while VIGI (Vanguard International Dividend Appreciation ETF) is Dividend fund tracking the S&P Global Ex-U.S. Dividend Growers Index. Over the past 10 years, CIVB returned 10.59%/yr vs 7.94%/yr for VIGI. At a 0.31 correlation, their price movements are largely independent.

Performance

CIVB vs. VIGI - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Civista Bancshares, Inc. (CIVB) and Vanguard International Dividend Appreciation ETF (VIGI). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, CIVB achieves a 29.97% return, which is significantly higher than VIGI's 5.09% return. Over the past 10 years, CIVB has outperformed VIGI with an annualized return of 10.59%, while VIGI has yielded a comparatively lower 7.94% annualized return.

CIVB

• 1D: -1.86%
• 1M: 10.22%
• 6M: 29.97%
• YTD: 29.97%
• 1Y: 18.50%
• 3Y*: 22.04%
• 5Y*: 8.07%
• 10Y*: 10.59%

VIGI

• 1D: 1.46%
• 1M: 1.43%
• 6M: 5.09%
• YTD: 5.09%
• 1Y: 7.75%
• 3Y*: 10.39%
• 5Y*: 4.85%
• 10Y*: 7.94%

*Multi-year figures are annualized to reflect compound growth (CAGR)

CIVB vs. VIGI - Yearly Performance Comparison

	2026 (YTD)	2025	2024	2023	2022	2021	2020	2019	2018	2017
CIVB Civista Bancshares, Inc.	29.97%	9.10%	18.71%	-13.16%	-7.53%	42.42%	-24.88%	40.56%	-19.74%	14.54%
VIGI Vanguard International Dividend Appreciation ETF	5.09%	16.88%	2.73%	16.30%	-16.79%	12.51%	14.66%	27.53%	-11.50%	27.97%

Correlation

The correlation between CIVB and VIGI is 0.32, which is low. Their price movements are largely independent, making them effective diversification partners.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.32
Correlation (3Y) Calculated over the trailing 3-year period	0.34
Correlation (5Y) Calculated over the trailing 5-year period	0.32
Correlation (10Y) Calculated over the trailing 10-year period	0.31
Correlation (All Time) Calculated using the full available price history since Mar 2, 2016	0.31

Return for Risk

CIVB vs. VIGI — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

CIVB

CIVB Risk / Return Rank: 62
CIVB Sharpe Ratio Rank: 66
CIVB Sortino Ratio Rank: 59
CIVB Omega Ratio Rank: 61
CIVB Calmar Ratio Rank: 63
CIVB Martin Ratio Rank: 62

VIGI

VIGI Risk / Return Rank: 20
VIGI Sharpe Ratio Rank: 20
VIGI Sortino Ratio Rank: 19
VIGI Omega Ratio Rank: 19
VIGI Calmar Ratio Rank: 19
VIGI Martin Ratio Rank: 23

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

CIVB vs. VIGI - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for Civista Bancshares, Inc. (CIVB) and Vanguard International Dividend Appreciation ETF (VIGI). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.

	CIVB	VIGI	Difference
Sharpe ratio: Return per unit of total volatility	0.65	0.60	+0.05
Sortino ratio: Return per unit of downside risk	1.05	0.93	+0.12
Omega ratio: Gain probability vs. loss probability	1.15	1.11	+0.03
Calmar ratio: Return relative to maximum drawdown	0.81	0.73	+0.08
Martin ratio: Return relative to average drawdown	1.69	2.57	-0.87

CIVB vs. VIGI - Sharpe Ratio Comparison

The current CIVB Sharpe Ratio is 0.65, which is comparable to the VIGI Sharpe Ratio of 0.60. The chart below compares the historical Sharpe Ratios of CIVB and VIGI, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

CIVB vs. VIGI - Drawdown Comparison

The maximum CIVB drawdown since its inception was -87.20%, which is greater than VIGI's maximum drawdown of -31.01%. Use the drawdown chart below to compare losses from any high point for CIVB and VIGI.

Drawdown Indicators

	CIVB	VIGI	Difference
Max Drawdown Largest peak-to-trough decline	-87.20%	-31.01%	-56.19%
Max Drawdown (1Y) Largest decline over 1 year	-22.85%	-10.64%	-12.21%
Max Drawdown (3Y) Largest decline over 3 years	-27.07%	-14.50%	-12.57%
Max Drawdown (5Y) Largest decline over 5 years	-42.06%	-28.80%	-13.26%
Max Drawdown (10Y) Largest decline over 10 years	-53.27%	-31.01%	-22.26%
Current Drawdown Current decline from peak	-1.86%	-0.14%	-1.72%
Average Drawdown Average peak-to-trough decline	-35.84%	-6.14%	-29.70%
Ulcer Index Depth and duration of drawdowns from previous peaks	10.94%	3.03%	+7.91%

Volatility

CIVB vs. VIGI - Volatility Comparison

Civista Bancshares, Inc. (CIVB) has a higher volatility of 8.02% compared to Vanguard International Dividend Appreciation ETF (VIGI) at 3.56%. This indicates that CIVB's price experiences larger fluctuations and is considered to be riskier than VIGI based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	CIVB	VIGI	Difference
Volatility (1M) Calculated over the trailing 1-month period	8.02%	3.56%	+4.46%
Volatility (6M) Calculated over the trailing 6-month period	17.88%	10.42%	+7.46%
Volatility (1Y) Calculated over the trailing 1-year period	28.98%	12.99%	+15.99%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	30.65%	14.48%	+16.17%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	36.89%	15.74%	+21.15%

Dividends

CIVB vs. VIGI - Dividend Comparison

CIVB's dividend yield for the trailing twelve months is around 2.46%, more than VIGI's 2.10% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
CIVB Civista Bancshares, Inc.	2.46%	3.06%	3.04%	3.31%	2.54%	2.13%	2.51%	1.75%	1.84%	1.14%	1.13%	1.56%
VIGI Vanguard International Dividend Appreciation ETF	2.10%	2.14%	1.93%	1.92%	2.06%	7.02%	1.29%	1.83%	1.99%	1.75%	1.05%	0.00%

Frequently Asked Questions

Can I hold both CIVB and VIGI in my portfolio?

CIVB and VIGI have a correlation of 0.32, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, CIVB or VIGI?

CIVB has higher volatility (8.02%) compared to VIGI (3.56%). In terms of maximum drawdown, CIVB dropped -87.20% vs VIGI's -31.01%.

Which has better risk-adjusted returns?

CIVB currently has the higher Sharpe Ratio (0.65 vs 0.60), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.