CIBN Stock Overview

Operates as a thrift holding company for First Federal Community Bank of Bucyrus, provides banking and financial services to individual and corporate customers in northern Ohio. More details

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

Rewards

Price-To-Earnings ratio (10.7x) is below the US market (18.7x)

Earnings grew by 68.8% over the past year

Risk Analysis

Shares are highly illiquid

Earnings have declined by 17.9% per year over past 5 years

Does not have a meaningful market cap ($14M)

My Notes

Capture your thoughts, links and company narrative

Community Investors Bancorp, Inc. Competitors

Glen Burnie Bancorp

NasdaqCM:GLBZ

US$13.7m

Logansport Financial

OTCPK:LOGN

US$17.5m

First Community

OTCPK:FCCT

US$14.1m

Greenville Federal Financial

OTCPK:GVFF

US$14.6m

Price History & Performance

Summary of share price highs, lows and changes for Community Investors Bancorp
Historical stock prices
Current Share Price	US$17.20
52 Week High	US$25.00
52 Week Low	US$12.60
Beta	0.29
1 Month Change	-1.71%
3 Month Change	7.50%
1 Year Change	22.86%
3 Year Change	-4.44%
5 Year Change	-7.53%
Change since IPO	260.00%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	CIBN	US Banks	US Market
7D	-3.9%	2.1%	0.2%
1Y	22.9%	46.5%	22.0%

Return vs Industry: CIBN underperformed the US Banks industry which returned 43.9% over the past year.

Return vs Market: CIBN matched the US Market which returned 22.4% over the past year.

Price Volatility

Is CIBN's price volatile compared to industry and market?
CIBN volatility
CIBN Average Weekly Movement	n/a
Banks Industry Average Movement	3.9%
Market Average Movement	6.1%
10% most volatile stocks in US Market	18.6%
10% least volatile stocks in US Market	3.1%

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

Volatility Over Time: Insufficient data to determine CIBN's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1887	n/a	Steven Crall	www.ffcb.com

Community Investors Bancorp, Inc. operates as a thrift holding company for First Federal Community Bank of Bucyrus, provides banking and financial services to individual and corporate customers in northern Ohio. The company offers deposit accounts, including checking, savings, money market, christmas club, health savings, certificates of deposit, and individual retirement account, as well as ohio homebuyer plus program. It also provides lending products, such as personal consumer loans, home equity loans, home equity line of credit, auto and RV loans, mortgage, and construction loans; business loans comprising business loans, lines of credit, term loans, agriculture loans, secured loans, credit cards, commercial investment real estate, and equipment finance.

Community Investors Bancorp, Inc. Fundamentals Summary

How do Community Investors Bancorp's earnings and revenue compare to its market cap?
CIBN fundamental statistics
Market cap	US$13.66m
Earnings (TTM)	US$1.27m
Revenue (TTM)	US$12.42m

10.7x

P/E Ratio

0.7x

P/B Ratio

Is CIBN overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CIBN income statement (TTM)
Revenue	US$12.42m
Cost of Revenue	US$0
Gross Profit	US$12.42m
Other Expenses	US$11.15m
Earnings	US$1.27m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	1.60
Gross Margin	100.00%
Net Profit Margin	10.25%
Debt/Equity Ratio	291.2%

How did CIBN perform over the long term?

See historical performance and comparison

Dividends

2.3%

Current Dividend Yield

25%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/02/07 14:29
End of Day Share Price	2025/02/05 00:00
Earnings	2024/12/31
Annual Earnings	2024/06/30

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.

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 Github.

Analyst Sources

Community Investors Bancorp, 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.