How does CIBH's PE Ratio compare to its peers?

CIBH is good value based on its Price-To-Earnings Ratio (8.9x) compared to the peer average (36x).

How does CIBH's PE Ratio compare vs other companies in the US Banks Industry?

CIBH is good value based on its Price-To-Earnings Ratio (8.9x) compared to the US Banks industry average (12.4x).

What is CIBH's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate CIBH's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of CIBH when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

CIBH ($26.52) is trading above our estimate of [[fair value]] ($22.64)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

CIBH Stock Overview

Operates as the bank holding company for CIBM Bank that provides commercial banking services to individual and business customers in Illinois, Indiana, and Wisconsin. More details

CIBH fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	4/6
Financial Health	6/6
Dividends	0/6

Rewards

Price-To-Earnings ratio (8.9x) is below the US market (18.3x)

Earnings grew by 46.6% over the past year

Risk Analysis

Earnings have declined by 11.9% per year over past 5 years

Volatile share price over the past 3 months compared to the US market

Does not have a meaningful market cap ($37M)

Shareholders have been diluted in the past year

My Notes

Capture your thoughts, links and company narrative

CIB Marine Bancshares, Inc. Competitors

BankGuam Holding

OTCPK:BKGM

US$18.5m

Oakworth Capital

OTCPK:OAKC

US$155.7m

FineMark Holdings

OTCPK:FNBT

US$324.2m

Touchmark Bancshares

OTCPK:TMAK

US$36.9m

Price History & Performance

Summary of share price highs, lows and changes for CIB Marine Bancshares
Historical stock prices
Current Share Price	US$26.52
52 Week High	US$29.00
52 Week Low	US$17.10
Beta	0.27
1 Month Change	-5.29%
3 Month Change	33.85%
1 Year Change	24.80%
3 Year Change	-27.44%
5 Year Change	26.29%
Change since IPO	221.45%

Recent updates

Shareholder Returns

	CIBH	US Banks	US Market
7D	-3.6%	-3.4%	-2.4%
1Y	24.8%	29.1%	23.4%

Return vs Industry: CIBH underperformed the US Banks industry which returned 29.1% over the past year.

Return vs Market: CIBH exceeded the US Market which returned 23.4% over the past year.

Price Volatility

Is CIBH's price volatile compared to industry and market?
CIBH volatility
CIBH Average Weekly Movement	10.7%
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	16.8%
10% least volatile stocks in US Market	3.1%

Stable Share Price: CIBH's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: CIBH's weekly volatility (11%) has been stable over the past year, but is still higher than 75% of US stocks.

About the Company

Founded	Employees	CEO	Website
1985	170	J. Chaffin	www.cibmarine.com

CIB Marine Bancshares, Inc. operates as the bank holding company for CIBM Bank that provides commercial banking services to individual and business customers in Illinois, Indiana, and Wisconsin. It provides deposit accounts comprising checking, savings, and time deposits. The company offers a range of loan products, such as commercial, commercial real estate, commercial and residential construction, government guaranteed, one-to-four family residential real estate, home equity, and consumer loans, as well as commercial and standby letters of credit.

CIB Marine Bancshares, Inc. Fundamentals Summary

How do CIB Marine Bancshares's earnings and revenue compare to its market cap?
CIBH fundamental statistics
Market cap	US$36.86m
Earnings (TTM)	US$4.15m
Revenue (TTM)	US$34.08m

8.9x

P/E Ratio

0.5x

P/B Ratio

Is CIBH overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CIBH income statement (TTM)
Revenue	US$34.08m
Cost of Revenue	US$0
Gross Profit	US$34.08m
Other Expenses	US$29.93m
Earnings	US$4.15m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	2.98
Gross Margin	100.00%
Net Profit Margin	12.17%
Debt/Equity Ratio	36.4%

How did CIBH perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/22 06:54
End of Day Share Price	2024/12/19 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

CIB Marine Bancshares, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution

CIB Marine Bancshares OTCPK:CIBH Stock Report