Community Investors Bancorp, Inc. Logo

Community Investors Bancorp, Inc.

CIBN

(2.5)
Stock Price

16,00 USD

0.37% ROA

6.59% ROE

10x PER

Market Cap.

11.530.284,00 USD

303.24% DER

2.76% Yield

7.25% NPM

Community Investors Bancorp, Inc. Stock Analysis

Community Investors Bancorp, 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.

Community Investors Bancorp, Inc. Fundamental Stock Analysis
# Analysis Rating
1 Revenue Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

2 Dividend

Shareholders can rely on the company's remarkable dividend history, consistently paying dividends for the past five years, demonstrating a steadfast dedication to rewarding investors.

3 ROE

The stock's ROE falls within an average range (6.61%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

4 ROA

The stock's ROA (0.71%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 PBV

The stock's PBV ratio (1.07x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

6 Assets Growth

This company's revenue has shown remarkable growth over the past three years, making it an excellent choice for seeking a consistently prosperous investment.

7 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

8 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (65) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

9 DER

The company has a high debt to equity ratio (821%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

10 Net Profit Growth

The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity.

11 Dividend Growth

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

Community Investors Bancorp, 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.

Community Investors Bancorp, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Sell
4 Stoch RSI Buy

Community Investors Bancorp, 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.

Community Investors Bancorp, Inc. Revenue
Year Revenue Growth
1994 2.900.000
1995 3.300.000 12.12%
1996 3.300.000 0%
1997 3.600.000 8.33%
1998 3.700.000 2.7%
1999 3.320.000 -11.45%
2000 3.910.000 15.09%
2001 4.102.000 4.68%
2002 4.230.000 3.03%
2003 4.376.000 3.34%
2005 4.448.000 1.62%
2012 4.935.000 9.87%
2013 5.144.000 4.06%
2014 6.122.000 15.98%
2015 7.603.000 19.48%
2016 10.406.000 26.94%
2017 9.787.000 -6.32%
2018 10.161.000 3.68%
2019 13.782.000 26.27%
2020 17.165.000 19.71%
2021 14.684.000 -16.9%
2022 13.808.000 -6.34%
2023 18.904.000 26.96%

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.

Community Investors Bancorp, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
1994 0
1995 0 0%
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2005 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%

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.

Community Investors Bancorp, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
1994 600.000
1995 700.000 14.29%
1996 800.000 12.5%
1997 1.000.000 20%
1998 1.100.000 9.09%
1999 1.187.000 7.33%
2000 1.172.000 -1.28%
2001 1.080.000 -8.52%
2002 1.286.000 16.02%
2003 1.487.000 13.52%
2005 1.392.000 -6.82%
2012 4.694.000 70.35%
2013 4.481.000 -4.75%
2014 4.870.000 7.99%
2015 5.220.000 6.7%
2016 954.000 -447.17%
2017 846.000 -12.77%
2018 906.000 6.62%
2019 328.000 -176.22%
2020 221.000 -48.42%
2021 8.270.000 97.33%
2022 7.742.000 -6.82%
2023 0 0%

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.

Community Investors Bancorp, Inc. EBITDA
Year EBITDA Growth
1994 1.300.000
1995 1.300.000 0%
1996 1.000.000 -30%
1997 1.400.000 28.57%
1998 1.500.000 6.67%
1999 1.259.000 -19.14%
2000 1.878.000 32.96%
2001 1.947.000 3.54%
2002 1.834.000 -6.16%
2003 1.520.000 -20.66%
2005 1.548.000 1.81%
2012 -84.000 1942.86%
2013 0 0%
2014 0 0%
2015 -1.322.000 100%
2016 -137.000 -864.96%
2017 -110.000 -24.55%
2018 -90.000 -22.22%
2019 -73.000 -23.29%
2020 -101.000 27.72%
2021 -113.000 10.62%
2022 -138.000 18.12%
2023 0 0%

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.

Community Investors Bancorp, Inc. Gross Profit
Year Gross Profit Growth
1994 2.900.000
1995 3.300.000 12.12%
1996 3.300.000 0%
1997 3.600.000 8.33%
1998 3.700.000 2.7%
1999 3.320.000 -11.45%
2000 3.910.000 15.09%
2001 4.102.000 4.68%
2002 4.230.000 3.03%
2003 4.376.000 3.34%
2005 4.448.000 1.62%
2012 4.935.000 9.87%
2013 5.144.000 4.06%
2014 6.122.000 15.98%
2015 7.603.000 19.48%
2016 10.406.000 26.94%
2017 9.787.000 -6.32%
2018 10.161.000 3.68%
2019 13.782.000 26.27%
2020 17.165.000 19.71%
2021 14.684.000 -16.9%
2022 13.808.000 -6.34%
2023 18.904.000 26.96%

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.

Community Investors Bancorp, Inc. Net Profit
Year Net Profit Growth
1994 800.000
1995 900.000 11.11%
1996 600.000 -50%
1997 900.000 33.33%
1998 900.000 0%
1999 668.000 -34.73%
2000 1.087.000 38.55%
2001 1.206.000 9.87%
2002 1.115.000 -8.16%
2003 862.000 -29.35%
2005 900.000 4.22%
2012 80.000 -1025%
2013 465.000 82.8%
2014 850.000 45.29%
2015 900.000 5.56%
2016 457.000 -96.94%
2017 1.163.000 60.71%
2018 1.012.000 -14.92%
2019 1.527.000 33.73%
2020 2.336.000 34.63%
2021 1.652.000 -41.4%
2022 716.000 -130.73%
2023 1.584.000 54.8%

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.

Community Investors Bancorp, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1994 0
1995 1 0%
1996 0 0%
1997 1 0%
1998 1 0%
1999 1 0%
2000 1 0%
2001 1 100%
2002 1 0%
2003 1 0%
2005 1 0%
2012 0 0%
2013 1 0%
2014 1 100%
2015 2 0%
2016 1 0%
2017 1 100%
2018 1 0%
2019 2 0%
2020 3 50%
2021 2 0%
2022 1 0%
2023 2 100%

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.

Community Investors Bancorp, Inc. Free Cashflow
Year Free Cashflow Growth
1994 900.000
1995 900.000 0%
1996 700.000 -28.57%
1997 1.200.000 41.67%
1998 1.100.000 -9.09%
1999 1.833.000 39.99%
2000 1.109.000 -65.28%
2001 1.151.000 3.65%
2002 -323.000 456.35%
2003 -141.000 -129.08%
2005 -107.000 -31.78%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 1.023.000 100%
2017 -1.600.000 163.94%
2018 -484.000 -230.58%
2019 1.418.000 134.13%
2020 1.851.000 23.39%
2021 2.238.000 17.29%
2022 1.509.000 -48.31%
2023 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.

Community Investors Bancorp, Inc. Operating Cashflow
Year Operating Cashflow Growth
1994 900.000
1995 1.100.000 18.18%
1996 800.000 -37.5%
1997 1.200.000 33.33%
1998 1.300.000 7.69%
1999 1.867.000 30.37%
2000 1.170.000 -59.57%
2001 1.267.000 7.66%
2002 839.000 -51.01%
2003 600.000 -39.83%
2005 -84.000 814.29%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 1.225.000 100%
2017 1.619.000 24.34%
2018 1.280.000 -26.48%
2019 1.650.000 22.42%
2020 2.970.000 44.44%
2021 2.327.000 -27.63%
2022 1.696.000 -37.21%
2023 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.

Community Investors Bancorp, Inc. Capital Expenditure
Year Capital Expenditure Growth
1994 0
1995 200.000 100%
1996 100.000 -100%
1997 0 0%
1998 200.000 100%
1999 34.000 -488.24%
2000 61.000 44.26%
2001 116.000 47.41%
2002 1.162.000 90.02%
2003 741.000 -56.82%
2005 23.000 -3121.74%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 202.000 100%
2017 3.219.000 93.72%
2018 1.764.000 -82.48%
2019 232.000 -660.34%
2020 1.119.000 79.27%
2021 89.000 -1157.3%
2022 187.000 52.41%
2023 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.

Community Investors Bancorp, Inc. Equity
Year Equity Growth
1994 12.300.000
1995 11.500.000 -6.96%
1996 11.100.000 -3.6%
1997 10.300.000 -7.77%
1998 10.400.000 0.96%
1999 10.763.000 3.37%
2000 11.658.000 7.68%
2001 12.324.000 5.4%
2002 12.844.000 4.05%
2003 13.232.000 2.93%
2005 13.007.000 -1.73%
2012 10.339.000 -25.81%
2013 10.813.000 4.38%
2014 11.542.000 6.32%
2015 12.300.000 6.16%
2016 12.457.000 1.26%
2017 13.163.000 5.36%
2018 14.175.000 7.14%
2019 15.705.000 9.74%
2020 17.560.000 10.56%
2021 16.715.000 -5.06%
2022 16.820.000 0.62%
2023 18.127.000 7.21%

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.

Community Investors Bancorp, Inc. Assets
Year Assets Growth
1994 84.700.000
1995 91.800.000 7.73%
1996 92.300.000 0.54%
1997 102.500.000 9.95%
1998 116.200.000 11.79%
1999 119.034.000 2.38%
2000 114.329.000 -4.12%
2001 119.790.000 4.56%
2002 122.658.000 2.34%
2003 121.854.000 -0.66%
2005 122.762.000 0.74%
2012 119.308.000 -2.9%
2013 130.366.999 8.48%
2014 137.086.000 4.9%
2015 140.300.000 2.29%
2016 143.367.000 2.14%
2017 154.012.000 6.91%
2018 168.916.000 8.82%
2019 206.763.000 18.3%
2020 222.377.000 7.02%
2021 233.805.000 4.89%
2022 271.874.000 14%
2023 312.256.000 12.93%

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.

Community Investors Bancorp, Inc. Liabilities
Year Liabilities Growth
1994 1.900.000
1995 10.200.000 81.37%
1996 81.200.000 87.44%
1997 92.200.000 11.93%
1998 105.800.000 12.85%
1999 329.000 -32058.05%
2000 102.671.000 99.68%
2001 21.502.000 -377.5%
2002 109.814.000 80.42%
2003 108.622.000 -1.1%
2005 109.755.000 1.03%
2012 108.969.000 -0.72%
2013 119.554.000 8.85%
2014 125.544.000 4.77%
2015 128.000.000 1.92%
2016 130.910.000 2.22%
2017 140.849.000 7.06%
2018 154.741.000 8.98%
2019 191.058.000 19.01%
2020 204.817.000 6.72%
2021 217.090.000 5.65%
2022 255.054.000 14.88%
2023 294.129.000 13.28%

Community Investors Bancorp, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
19.99
Net Income per Share
1.45
Price to Earning Ratio
10x
Price To Sales Ratio
0.73x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.63
EV to Sales
4.81
EV Over EBITDA
-340.65
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.1
FreeCashFlow Yield
0
Market Cap
0,01 Bil.
Enterprise Value
0,08 Bil.
Graham Number
27.41
Graham NetNet
-385.27

Income Statement Metrics

Net Income per Share
1.45
Income Quality
0
ROE
0.07
Return On Assets
0
Return On Capital Employed
0.01
Net Income per EBT
0.77
EBT Per Ebit
0.42
Ebit per Revenue
0.22
Effective Tax Rate
0.23

Margins

Sales, General, & Administrative to Revenue
0.4
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.22
Pretax Profit Margin
0.09
Net Profit Margin
0.07

Dividends

Dividend Yield
0.03
Dividend Yield %
2.76
Payout Ratio
0
Dividend Per Share
0.4

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.04
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
-11,59
Book Value per Share
23,03
Tangible Book Value per Share
23.03
Shareholders Equity per Share
23.03
Interest Debt per Share
76.48
Debt to Equity
3.03
Debt to Assets
0.18
Net Debt to EBITDA
-288.71
Current Ratio
15.84
Tangible Asset Value
0,02 Bil.
Net Current Asset Value
-0,28 Bil.
Invested Capital
15702000
Working Capital
0,01 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
-4379000
Debt to Market Cap
4.77

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.

Community Investors Bancorp, Inc. Dividends
Year Dividends Growth
1995 0
1996 0 0%
1997 0 0%
1998 0 0%
1999 0 0%
2000 0 0%
2001 0 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%
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%
2024 0 0%

Community Investors Bancorp, Inc. Profile

About Community Investors Bancorp, Inc.

Community Investors Bancorp, Inc. operates as a thrift holding company for First Federal Community Bank of Bucyrus that provides banking and financial services to individual and corporate customers in northern Ohio. The company offers checking and business checking plus accounts; savings and investment accounts, such as health savings, statement savings, Christmas club, time deposit, individual retirement, and insured money market accounts, as well as merchant and direct deposit services; and other services, including Internet and telephone banking, debit card, night depository, notary, and safe deposit box services. It also provides consumer loans, including personal, auto, home equity, and home improvement loans; commercial loans comprising real estate, term, business expansion, construction, and SBA loans; and mortgages. In addition, the company offers financial planning and investment advice services. Community Investors Bancorp, Inc. was founded in 1888 and is based in Bucyrus, Ohio.

CEO
Mr. Steven R. Crall
Employee
0
Address
119 South Sandusky Avenue
Bucyrus, 44820

Community Investors Bancorp, Inc. Executives & BODs

Community Investors Bancorp, Inc. Executives & BODs
# Name Age
1 Mr. Jeffrey K. Urban
Senior Vice President, Chief Risk Officer & Director
70
2 Ms. Kathy D. Young
Vice President of Accounting
70
3 Elise Jones
Assistant Vice President & Chief Financial Officer
70
4 Ms. Monica L. Sack
Vice President & Chief Operations Officer
70
5 Kriste A. Slagle
Vice President of Human Resources & Marketing
70
6 Eric J. Savidge
SVice President & Chief Lending Officer
70
7 Mr. Steven R. Crall
President & Chief Executive Officer
70

Community Investors Bancorp, Inc. Competitors