OTCPK:CIBN

Stock Analysis Report

Community Investors Bancorp

Executive Summary

Community Investors Bancorp, Inc. operates as the bank holding company for First Federal Community Bank of Bucyrus that provides personal and commercial banking services in Ohio.

Snowflake

Fundamentals

Flawless balance sheet and slightly overvalued.

Risks

  • Community Investors Bancorp's last earnings update was 465 days ago.
  • Community Investors Bancorp is not covered by any analysts.

Share Price & News

How has Community Investors Bancorp's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:CIBN

3.3%

US Banks

2.1%

US Market


1 Year Return

8.0%

OTCPK:CIBN

-13.8%

US Banks

-0.04%

US Market

CIBN outperformed the Banks industry which returned -13.8% over the past year.

CIBN outperformed the Market in United States of America which returned -0% over the past year.


Share holder returns

CIBNIndustryMarket
7 Day0%3.3%2.1%
30 Day-1.6%-7.0%-3.2%
90 Day-0.9%-2.3%2.8%
1 Year10.3%8.0%-11.3%-13.8%2.2%-0.04%
3 Year36.6%28.5%42.5%32.7%41.5%32.3%
5 Year115.8%96.2%54.2%37.6%55.0%37.8%

Price Volatility Vs. Market

How volatile is Community Investors Bancorp's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Community Investors Bancorp undervalued based on future cash flows and its price relative to the stock market?

14.72x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Community Investors Bancorp's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Community Investors Bancorp's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Community Investors Bancorp is overvalued based on earnings compared to the US Banks industry average.

Community Investors Bancorp is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Community Investors Bancorp, we can't assess if its growth is good value.


Price Based on Value of Assets

Community Investors Bancorp is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Community Investors Bancorp expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

1.8%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Community Investors Bancorp has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

  • Examine Community Investors Bancorp's financial health to determine how well-positioned it is against times of financial stress by looking at its level of debt over time and how much cash it has left.
  • While we do not consider unaudited financials to be a reliable enough to include in our analysis, you can access them on the OTC Markets Website. If you are looking for more of a qualitative research into the company, you can access Community Investors Bancorp's filings and announcements here.
  • Explore growth companies in the Banks industry.

Past Performance

How has Community Investors Bancorp performed over the past 5 years?

55.8%

Last years earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Insufficient data to establish if Community Investors Bancorp's year on year earnings growth rate was positive over the past 5 years.

Unable to compare Community Investors Bancorp's 1-year earnings growth to the 5-year average due to insufficient past data.

Community Investors Bancorp's earnings growth has exceeded the US Banks industry average in the past year (55.8% vs 33.1%).


Return on Equity

Community Investors Bancorp has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Community Investors Bancorp used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Community Investors Bancorp improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Community Investors Bancorp's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Community Investors Bancorp has an acceptable proportion of non-loan assets held.

Community Investors Bancorp has a sufficient allowance for bad loans.

Community Investors Bancorp's liabilities are made up of primarily low risk sources of funding.

Community Investors Bancorp's level of assets compared to its equity is moderate (i.e. an appropriate level of borrowing to fund lending).

Loans at Community Investors Bancorp are broadly funded by customer deposits.

Community Investors Bancorp has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Community Investors Bancorp's current dividend yield, its reliability and sustainability?

2.04%

Current Dividend Yield


Upcoming Dividend Payment

Purchase Community Investors Bancorp before the 'Buy Limit' to receive their next dividend payment.


Dividend Yield and Payments Analysis

Community Investors Bancorp's pays a higher dividend yield than the bottom 25% of dividend payers in United States of America (1.49%).

Community Investors Bancorp's dividend is below the markets top 25% of dividend payers in United States of America (3.82%).

Dividends per share have been volatile in the past 10 years (annual drop of over 20%).

Dividends per share have fallen over the past 10 years.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Community Investors Bancorp has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Community Investors Bancorp's salary, the management and board of directors tenure and is there insider trading?

14.0yrs

Average management tenure


CEO

Brad Murtiff 0

2.7yrs

Tenure

0

Mr. Bradley P. Murtiff served as Vice President and Regional Executive of First Federal Community Bank at Community Investors Bancorp, Inc. Mr. Murtiff serves as a Director of First Federal Community Bank  ...


Management Age and Tenure

14.0yrs

Average Tenure

63yo

Average Age

The average tenure for the Community Investors Bancorp management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

20.6yrs

Average Tenure

69.5yo

Average Age

The average tenure for the Community Investors Bancorp board of directors is over 10 years, this suggests they are a seasoned and experienced board.


Insider Trading

No 3 month open market individual insider trading information.


Recent Insider Transactions

BuyUS$247,90028 Dec 18
James Smail
EntityIndividual
Shares14,979
Max PriceUS$16.70

Ownership Breakdown


Management Team

  • Phil Gerber (66yo)

    Director

    • Tenure: 15.8yrs
    • Compensation: US$126.45k
  • Tom Kalb (63yo)

    VP & CFO

    • Tenure: 15.0yrs
  • Lynn Brewer (60yo)

    VP & COO

    • Tenure: 13.1yrs
  • Brad Murtiff

    President

    • Tenure: 2.7yrs
  • Eric Savidge

    VP & Regional Executive Officer

    • Tenure: 0.0yrs

Board Members

  • Dave Auck (75yo)

    Vice Chairman of the Board

    • Tenure: 24.6yrs
  • Phil Gerber (66yo)

    Director

    • Tenure: 15.8yrs
    • Compensation: US$126.45k
  • John Mizick (77yo)

    Honorary Director

    • Tenure: 0.0yrs
  • Michael Romanoff (69yo)

    Director and Director of First Federal Community Bank

    • Tenure: 20.6yrs
  • Brent Fissel (64yo)

    Director and Director of First Federal Community Bank

    • Tenure: 24.9yrs
  • Philip Harris (70yo)

    Chairman of the Board

    • Tenure: 7.8yrs
  • Dawn Ratliff

    Vice Chairman of the Board

    • Tenure: 0.0yrs
  • Roger Miller

    Director

    • Tenure: 0.0yrs
  • Brad Murtiff

    President

    • Tenure: 2.7yrs
  • Jason McMullen

    Director

    • Tenure: 0.0yrs

Company Information

Community Investors Bancorp, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Community Investors Bancorp, Inc.
  • Ticker: CIBN
  • Exchange: OTCPK
  • Founded: 1888
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$14.043m
  • Shares outstanding: 795.19k
  • Website: https://www.ffcb.com

Location

  • Community Investors Bancorp, Inc.
  • 119 South Sandusky Avenue
  • PO Box 766
  • Bucyrus
  • Ohio
  • 44820
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CIBNOTCPK (Pink Sheets LLC)YesCommon StockUSUSDFeb 1995

Biography

Community Investors Bancorp, Inc. operates as the bank holding company for First Federal Community Bank of Bucyrus that provides personal and commercial banking services in Ohio. It accepts checking and sa ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/23 23:34
End of Day Share Price2019/08/19 00:00
Earnings2018/03/31
Annual Earnings2017/06/30


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.