CIB Marine Bancshares, Inc. Logo

CIB Marine Bancshares, Inc.

CIBH

(2.0)
Stock Price

27,78 USD

0.38% ROA

4.03% ROE

8.26x PER

Market Cap.

26.105.100,00 USD

31.71% DER

0% Yield

5.96% NPM

CIB Marine Bancshares, Inc. Stock Analysis

CIB Marine Bancshares, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

CIB Marine Bancshares, Inc. Fundamental Stock Analysis
# Analysis Rating
1 PBV

With a remarkably low PBV ratio (0.31x), the stock offers substantial upside potential at a bargain price.

2 ROE

The stock's ROE falls within an average range (2.55%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

3 ROA

The stock's ROA (0.28%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

4 DER

The stock maintains a fair debt to equity ratio (66%), indicating a reasonable balance between the money it owes and the ownership it possesses.

5 Assets Growth

With a track record of continuous revenue growth in the last three years, this company offers a promising investment opportunity

6 Graham Number

The company's Graham number suggests that its stock price is underestimated, implying that it may present a compelling investment opportunity.

7 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (251) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

8 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

9 Net Profit Growth

Over the past five years, this company's net profit has failed to exhibit any growth, indicating a stagnant financial performance and making it a less favorable choice for potential investors.

10 Dividend Growth

The company's dividend growth has been flat for the past three years, raising concerns for potential investors seeking reliable returns.

11 Dividend

The company's lack of dividends in the past three years may concern investors seeking regular income.

CIB Marine Bancshares, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

CIB Marine Bancshares, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Sell
4 Stoch RSI Buy

CIB Marine Bancshares, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

CIB Marine Bancshares, Inc. Revenue
Year Revenue Growth
2001 104.901.000
2002 123.199.000 14.85%
2003 122.303.000 -0.73%
2004 37.693.000 -224.47%
2005 45.287.000 16.77%
2006 36.461.000 -24.21%
2007 25.677.000 -42%
2008 27.798.000 7.63%
2009 17.384.000 -59.91%
2010 22.677.000 23.34%
2011 22.163.000 -2.32%
2012 20.156.000 -9.96%
2013 16.289.000 -23.74%
2014 19.681.000 17.23%
2015 20.579.000 4.36%
2016 27.352.000 24.76%
2017 28.131.000 2.77%
2018 29.190.000 3.63%
2019 29.457.000 0.91%
2020 43.983.000 33.03%
2021 38.334.000 -14.74%
2022 29.384.000 -30.46%
2023 29.124.000 -0.89%
2023 46.132.000 36.87%
2024 75.824.000 39.16%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

CIB Marine Bancshares, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2001 0
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

CIB Marine Bancshares, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2001 31.112.000
2002 38.543.000 19.28%
2003 45.691.000 15.64%
2004 28.771.000 -58.81%
2005 25.696.000 -11.97%
2006 20.484.000 -25.44%
2007 18.167.000 -12.75%
2008 16.375.000 -10.94%
2009 15.659.000 -4.57%
2010 12.856.000 -21.8%
2011 12.804.000 -0.41%
2012 2.506.000 -410.93%
2013 11.668.000 78.52%
2014 13.508.000 13.62%
2015 15.193.000 11.09%
2016 18.063.000 15.89%
2017 17.609.000 -2.58%
2018 17.458.000 -0.86%
2019 19.485.000 10.4%
2020 25.551.000 23.74%
2021 23.178.000 -10.24%
2022 17.254.000 -34.33%
2023 18.200.000 5.2%
2023 19.498.000 6.66%
2024 18.800.000 -3.71%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

CIB Marine Bancshares, Inc. EBITDA
Year EBITDA Growth
2001 158.673.000
2002 116.490.000 -36.21%
2003 -43.156.000 369.93%
2004 26.581.000 262.36%
2005 24.612.000 -8%
2006 31.725.000 22.42%
2007 28.857.000 -9.94%
2008 716.000 -3930.31%
2009 37.400.000 98.09%
2010 -7.944.000 570.8%
2011 451.000 1861.42%
2012 -1.043.000 143.24%
2013 2.574.000 140.52%
2014 4.010.000 35.81%
2015 3.392.000 -18.22%
2016 9.274.000 63.42%
2017 10.267.000 9.67%
2018 12.469.000 17.66%
2019 3.982.000 -213.13%
2020 13.428.000 70.35%
2021 9.209.000 -45.81%
2022 9.221.000 0.13%
2023 11.672.000 21%
2023 -530.000 2302.26%
2024 -876.000 39.5%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

CIB Marine Bancshares, Inc. Gross Profit
Year Gross Profit Growth
2001 104.901.000
2002 123.199.000 14.85%
2003 122.303.000 -0.73%
2004 37.693.000 -224.47%
2005 45.287.000 16.77%
2006 36.461.000 -24.21%
2007 25.677.000 -42%
2008 27.798.000 7.63%
2009 17.384.000 -59.91%
2010 22.677.000 23.34%
2011 22.163.000 -2.32%
2012 20.156.000 -9.96%
2013 16.289.000 -23.74%
2014 19.681.000 17.23%
2015 20.579.000 4.36%
2016 27.352.000 24.76%
2017 28.131.000 2.77%
2018 29.190.000 3.63%
2019 29.457.000 0.91%
2020 43.983.000 33.03%
2021 38.334.000 -14.74%
2022 29.384.000 -30.46%
2023 29.124.000 -0.89%
2023 46.132.000 36.87%
2024 58.236.000 20.78%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

CIB Marine Bancshares, Inc. Net Profit
Year Net Profit Growth
2001 25.729.000
2002 8.807.000 -192.14%
2003 -137.648.000 106.4%
2004 -17.347.000 -693.5%
2005 -11.661.000 -48.76%
2006 -9.278.000 -25.68%
2007 -13.771.000 32.63%
2008 -34.399.000 59.97%
2009 13.725.000 350.63%
2010 -17.253.000 179.55%
2011 -5.424.000 -218.09%
2012 1.367.000 496.78%
2013 -1.354.000 200.96%
2014 302.000 548.34%
2015 -605.000 149.92%
2016 4.071.000 114.86%
2017 26.954.000 84.9%
2018 3.340.000 -707.01%
2019 2.043.000 -63.49%
2020 8.184.000 75.04%
2021 6.672.000 -22.66%
2022 3.726.000 -79.07%
2023 912.000 -308.55%
2023 880.000 -3.64%
2024 15.136.000 94.19%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

CIB Marine Bancshares, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2001 22
2002 7 -200%
2003 -113 106.25%
2004 -14 -700%
2005 -10 -55.56%
2006 -8 -28.57%
2007 -11 36.36%
2008 -28 60.71%
2009 11 354.55%
2010 -14 178.57%
2011 -4 -250%
2012 1 0%
2013 -1 100%
2014 0 0%
2015 -1 0%
2016 3 100%
2017 22 86.36%
2018 1 -2100%
2019 2 0%
2020 7 83.33%
2021 6 -20%
2022 3 -150%
2023 1 0%
2023 1 0%
2024 11 100%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

CIB Marine Bancshares, Inc. Free Cashflow
Year Free Cashflow Growth
2001 21.080.000
2002 -154.965.000 113.6%
2003 273.354.000 156.69%
2004 656.490.000 58.36%
2005 -2.822.000 23363.29%
2006 -11.786.000 76.06%
2007 -80.432.000 85.35%
2008 -2.961.000 -2616.38%
2009 -4.593.000 35.53%
2010 8.952.000 151.31%
2011 7.324.000 -22.23%
2012 603.000 -1114.59%
2012 1.317.000 54.21%
2013 -1.637.000 180.45%
2014 2.004.000 181.69%
2015 -4.639.000 143.2%
2016 5.352.000 186.68%
2017 4.344.000 -23.2%
2018 10.017.000 56.63%
2019 -5.551.000 280.45%
2020 -11.196.000 50.42%
2021 40.449.000 127.68%
2022 9.148.000 -342.16%
2023 -2.664.000 443.39%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

CIB Marine Bancshares, Inc. Operating Cashflow
Year Operating Cashflow Growth
2001 21.080.000
2002 -154.965.000 113.6%
2003 273.354.000 156.69%
2004 17.500.000 -1462.02%
2005 -2.822.000 720.13%
2006 -5.832.000 51.61%
2007 -854.000 -582.9%
2008 -2.618.000 67.38%
2009 -4.487.000 41.65%
2010 9.739.000 146.07%
2011 7.484.000 -30.13%
2012 690.000 -984.64%
2012 1.653.000 58.26%
2013 -960.000 272.19%
2014 2.416.000 139.74%
2015 -4.213.000 157.35%
2016 5.644.000 174.65%
2017 4.834.000 -16.76%
2018 10.772.000 55.12%
2019 -4.932.000 318.41%
2020 -10.214.000 51.71%
2021 40.673.000 125.11%
2022 9.671.000 -320.57%
2023 -2.677.000 461.26%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

CIB Marine Bancshares, Inc. Capital Expenditure
Year Capital Expenditure Growth
2001 0
2002 0 0%
2003 0 0%
2004 -638.990.000 100%
2005 0 0%
2006 5.954.000 100%
2007 79.578.000 92.52%
2008 343.000 -23100.58%
2009 106.000 -223.58%
2010 787.000 86.53%
2011 160.000 -391.88%
2012 87.000 -83.91%
2012 336.000 74.11%
2013 677.000 50.37%
2014 412.000 -64.32%
2015 426.000 3.29%
2016 292.000 -45.89%
2017 490.000 40.41%
2018 755.000 35.1%
2019 619.000 -21.97%
2020 982.000 36.97%
2021 224.000 -338.39%
2022 523.000 57.17%
2023 -13.000 4123.08%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

CIB Marine Bancshares, Inc. Equity
Year Equity Growth
2001 229.825.000
2002 247.563.000 7.17%
2003 108.523.000 -128.12%
2004 92.892.000 -16.83%
2005 79.182.000 -17.31%
2006 71.613.000 -10.57%
2007 60.306.000 -18.75%
2008 14.802.000 -307.42%
2009 84.695.000 82.52%
2010 68.753.000 -23.19%
2011 64.222.000 -7.06%
2012 67.629.000 5.04%
2013 66.195.000 -2.17%
2014 67.533.000 1.98%
2015 65.586.000 -2.97%
2016 69.523.000 5.66%
2017 97.066.000 28.38%
2018 91.035.000 -6.62%
2019 93.404.000 2.54%
2020 103.704.000 9.93%
2021 91.780.000 -12.99%
2022 83.503.000 -9.91%
2023 83.615.000 0.13%
2023 85.075.000 1.72%
2024 89.008.000 4.42%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

CIB Marine Bancshares, Inc. Assets
Year Assets Growth
2001 2.942.018.000
2002 3.650.705.000 19.41%
2003 3.186.237.000 -14.58%
2004 1.385.908.000 -129.9%
2005 1.138.428.000 -21.74%
2006 997.584.000 -14.12%
2007 1.005.787.000 0.82%
2008 906.396.000 -10.97%
2009 709.857.000 -27.69%
2010 589.033.000 -20.51%
2011 503.976.000 -16.88%
2012 475.129.000 -6.07%
2013 460.153.000 -3.25%
2014 501.918.000 8.32%
2015 571.233.000 12.13%
2016 653.559.000 12.6%
2017 662.394.000 1.33%
2018 721.259.000 8.16%
2019 703.791.000 -2.48%
2020 750.982.000 6.28%
2021 745.393.000 -0.75%
2022 752.997.000 1.01%
2023 787.244.000 4.35%
2023 899.889.000 12.52%
2024 901.634.000 0.19%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

CIB Marine Bancshares, Inc. Liabilities
Year Liabilities Growth
2001 2.712.193.000
2002 3.403.142.000 20.3%
2003 3.077.714.000 -10.57%
2004 1.293.016.000 -138.03%
2005 1.059.246.000 -22.07%
2006 925.971.000 -14.39%
2007 945.481.000 2.06%
2008 891.594.000 -6.04%
2009 625.162.000 -42.62%
2010 520.280.000 -20.16%
2011 439.754.000 -18.31%
2012 271.000 -162170.85%
2013 393.958.000 99.93%
2014 434.385.000 9.31%
2015 505.647.000 14.09%
2016 584.036.000 13.42%
2017 565.328.000 -3.31%
2018 630.224.000 10.3%
2019 610.387.000 -3.25%
2020 647.278.000 5.7%
2021 653.613.000 0.97%
2022 669.494.000 2.37%
2023 703.629.000 4.85%
2023 814.814.000 13.65%
2024 812.626.000 -0.27%

CIB Marine Bancshares, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
42.64
Net Income per Share
2.54
Price to Earning Ratio
8.26x
Price To Sales Ratio
0.45x
POCF Ratio
56.96
PFCF Ratio
52.21
Price to Book Ratio
0.32
EV to Sales
0.59
EV Over EBITDA
-47.67
EV to Operating CashFlow
67.78
EV to FreeCashFlow
67.78
Earnings Yield
0.12
FreeCashFlow Yield
0.02
Market Cap
0,03 Bil.
Enterprise Value
0,03 Bil.
Graham Number
61.28
Graham NetNet
-500

Income Statement Metrics

Net Income per Share
2.54
Income Quality
0.14
ROE
0.04
Return On Assets
0
Return On Capital Employed
0.01
Net Income per EBT
0.58
EBT Per Ebit
0.89
Ebit per Revenue
0.11
Effective Tax Rate
0.42

Margins

Sales, General, & Administrative to Revenue
0.17
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
0.92
Operating Profit Margin
0.11
Pretax Profit Margin
0.1
Net Profit Margin
0.06

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
0.37
Free CashFlow per Share
0.37
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.03
Return on Tangible Assets
0
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
99,17
Book Value per Share
65,63
Tangible Book Value per Share
65.58
Shareholders Equity per Share
65.63
Interest Debt per Share
31.76
Debt to Equity
0.32
Debt to Assets
0.03
Net Debt to EBITDA
-10.95
Current Ratio
0.59
Tangible Asset Value
0,09 Bil.
Net Current Asset Value
-0,80 Bil.
Invested Capital
-5871000
Working Capital
-0,01 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
1.08

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

CIB Marine Bancshares, Inc. Dividends
Year Dividends Growth

CIB Marine Bancshares, Inc. Profile

About CIB Marine Bancshares, Inc.

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 accepts demand, savings, and time deposits. The company also 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. In addition, it provides trust services, including cash management; repurchase agreements; mortgage; and other banking services, as well as invests in securities. The company was formerly known as Central Illinois Bancorp, Inc. and changed its name to CIB Marine Bancshares, Inc. in August 1999. CIB Marine Bancshares, Inc. was incorporated in 1985 and is based in Brookfield, Wisconsin.

CEO
Mr. J. Brian Chaffin
Employee
172
Address
19601 West Bluemound Road
Brookfield, 53045

CIB Marine Bancshares, Inc. Executives & BODs

CIB Marine Bancshares, Inc. Executives & BODs
# Name Age
1 Melissa Halcomb
Director of Human Resources
70
2 Yvonne Beaupaise
Marketing Officer
70
3 Mr. J. Brian Chaffin
President, Chief Executive Officer & Director
70
4 Mr. Daniel James Rasmussen
Chief Administrative Officer, General Counsel, Executive Vice President & Secretary
70
5 Ms. Elizabeth Neighbors
Vice President and Paralegal & Investor Relations Manager
70
6 Mr. James P. Mullaney III
Executive Vice President & Director of Corporate Banking
70
7 Mr. Gary A. Maughan
Executive Vice President & Mortgage Banking Director
70
8 Mr. Patrick J. Straka
Executive Vice President & Chief Financial Officer
70
9 Mr. Paul Curtis Melnick
Executive Vice President & Director of Special Assets
70
10 Ms. Michelle M. Bragstad
Senior Vice President & Chief Compliance Officer
70

CIB Marine Bancshares, Inc. Competitors