Financial Analysis: Logansport Financial (OTCMKTS:LOGN) vs. Community Investors Bancorp (OTCMKTS:CIBN)

Volatility and Risk

Logansport Financial has a beta of 0.32, meaning that its share price is 68% less volatile than the S&P 500. Comparatively, Community Investors Bancorp has a beta of 0.19, meaning that its share price is 81% less volatile than the S&P 500.

Profitability

This table compares Logansport Financial and Community Investors Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Logansport Financial	8.31%	N/A	N/A
Community Investors Bancorp	6.37%	N/A	N/A

Earnings & Valuation

This table compares Logansport Financial and Community Investors Bancorp”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Logansport Financial	$12.98 million	1.37	$1.79 million	$1.79	16.25
Community Investors Bancorp	$17.26 million	0.73	$1.14 million	$1.49	10.74

Logansport Financial has higher earnings, but lower revenue than Community Investors Bancorp. Community Investors Bancorp is trading at a lower price-to-earnings ratio than Logansport Financial, indicating that it is currently the more affordable of the two stocks.

Dividends

Logansport Financial pays an annual dividend of $1.80 per share and has a dividend yield of 6.2%. Community Investors Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 2.5%. Logansport Financial pays out 100.6% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Community Investors Bancorp pays out 26.8% of its earnings in the form of a dividend.

Summary

Logansport Financial beats Community Investors Bancorp on 7 of the 9 factors compared between the two stocks.

About Logansport Financial

Logansport Financial Corp. operates as the holding company for Logansport Savings Bank that provides various banking products and services to individuals and businesses in Cass County, Indiana. The company’s personal banking products and services include checking accounts, rite accounts, NOW accounts, savings accounts, health savings accounts, certificates of deposit, and individual retirement accounts; mortgage, home equity lines of credit, home improvement, construction, commercial buildings, farm, consumer, education, and car loans, as well as loans for single family and multi-family dwellings; and overdraft, and internet and mobile banking services. It also provides business and commercial checking accounts, commercial savings accounts/certificates of deposit, money market accounts and certificates, commercial sweep accounts, ACH debit/credit capabilities, electric federal tax payment systems, remote banking and merchant card services, wires, coin services, night deposit bags, and remote deposit banking services. In addition, the company offers revolving or seasonal lines of credit, term loans for equipment, commercial real estate mortgages for expansion or acquisition, commercial letters of credit, and guaranteed loans, as well as agricultural loans. Logansport Financial Corp. was founded in 1925 and is based in Logansport, Indiana.

About Community Investors Bancorp

Community Investors Bancorp, Inc. operates as a thrift holding company for First Federal Community Bank of Bucyrus that engages in the provision of banking and financial services to individual and corporate customers in northern Ohio. The company offers deposit accounts, including demand, NOW, checking, savings, money market, Christmas club, health savings, certificates of deposit, time deposit, and individual retirement accounts. It also provides consumer loans, home equity loans, home equity line of credit, auto and RV loans, residential real estate loans, mortgage loans, and construction loans for personal use; and business loans, lines of credit, term loans, ag loans, nonresidential real estate loans, secured loans, credit cards, commercial investment real estate, construction loans, and equipment financing for business use. In addition, the company offers online and mobile banking, bill payments, e-statements, remote deposit capture, cash management, mobile and night deposits, debit cards, overdraft protection, safety deposit boxes, telephone banking, positive pay/check reconciliation, direct deposit, and ACH and payroll services. Community Investors Bancorp, Inc. was founded in 1888 and is based in Bucyrus, Ohio.