Community Investors Bancorp, Inc.

OTCPK:CIBN Stock Report

Market Cap: US$12.7m

Community Investors Bancorp Valuation

Is CIBN undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

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

Below Fair Value: CIBN ($16) is trading below our estimate of fair value ($19.05)

Significantly Below Fair Value: CIBN is trading below fair value, but not by a significant amount.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for CIBN?

Key metric: As CIBN is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for CIBN. This is calculated by dividing CIBN's market cap by their current earnings.
What is CIBN's PE Ratio?
PE Ratio11.1x
EarningsUS$1.14m
Market CapUS$12.71m

Price to Earnings Ratio vs Peers

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

The above table shows the PE ratio for CIBN vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average54.3x
FIBH First Bancshares (Bellevue OH)
9.8xn/aUS$13.1m
TDCB Third Century Bancorp
10.4xn/aUS$11.2m
SNNF Seneca Financial
15xn/aUS$12.2m
GLBZ Glen Burnie Bancorp
182xn/aUS$17.3m
CIBN Community Investors Bancorp
11.1xn/aUS$12.7m

Price-To-Earnings vs Peers: CIBN is good value based on its Price-To-Earnings Ratio (11.1x) compared to the peer average (54.3x).

Price to Earnings Ratio vs Industry

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

4 CompaniesPrice / EarningsEstimated GrowthMarket Cap
FRCB First Republic Bank
0.02xn/aUS$27.98m
BKGM BankGuam Holding
1xn/aUS$18.48m
SBNY Signature Bank
0.002xn/aUS$2.18m
BCBH.F Caribbean Investment Holdings
0.00001xn/aUS$132.00
No more companies available in this PE range
CIBN 11.1xIndustry Avg. 12.8xNo. of Companies78PE0612182430+
4 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: CIBN is good value based on its Price-To-Earnings Ratio (11.1x) compared to the US Banks industry average (12.8x).

Price to Earnings Ratio vs Fair Ratio

What is CIBN'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.

CIBN PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio11.1x
Fair PE Ration/a

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

Analyst Price Targets

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

Analyst Forecast: Insufficient data to show price forecast.

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