Critical Analysis: Community Investors Bancorp (CIBN) vs. Its Peers

Community Investors Bancorp (OTCMKTS:CIBN) is one of 108 public companies in the “Federal savings institutions” industry, but how does it weigh in compared to its competitors? We will compare Community Investors Bancorp to similar companies based on the strength of its analyst recommendations, risk, profitability, institutional ownership, dividends, valuation and earnings.

Analyst Ratings

This is a summary of recent ratings and recommmendations for Community Investors Bancorp and its competitors, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Community Investors Bancorp	0	0	0	0	N/A
Community Investors Bancorp Competitors	507	1990	1206	50	2.21

As a group, “Federal savings institutions” companies have a potential upside of 0.82%. Given Community Investors Bancorp’s competitors higher probable upside, analysts plainly believe Community Investors Bancorp has less favorable growth aspects than its competitors.

Insider and Institutional Ownership

43.0% of shares of all “Federal savings institutions” companies are owned by institutional investors. 15.8% of Community Investors Bancorp shares are owned by insiders. Comparatively, 9.4% of shares of all “Federal savings institutions” companies are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Earnings & Valuation

This table compares Community Investors Bancorp and its competitors revenue, earnings per share and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
Community Investors Bancorp	$17.26 million	$1.14 million	10.43
Community Investors Bancorp Competitors	$948.58 million	$322.58 million	22.02

Community Investors Bancorp’s competitors have higher revenue and earnings than Community Investors Bancorp. Community Investors Bancorp is trading at a lower price-to-earnings ratio than its competitors, indicating that it is currently more affordable than other companies in its industry.

Volatility and Risk

Community Investors Bancorp has a beta of 0.2, suggesting that its stock price is 80% less volatile than the S&P 500. Comparatively, Community Investors Bancorp’s competitors have a beta of 0.28, suggesting that their average stock price is 72% less volatile than the S&P 500.

Dividends

Community Investors Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 2.7%. Community Investors Bancorp pays out 28.0% of its earnings in the form of a dividend. As a group, “Federal savings institutions” companies pay a dividend yield of 2.8% and pay out 36.7% of their earnings in the form of a dividend.

Profitability

This table compares Community Investors Bancorp and its competitors’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Community Investors Bancorp	6.61%	N/A	N/A
Community Investors Bancorp Competitors	8.58%	5.48%	0.54%

Summary

Community Investors Bancorp competitors beat Community Investors Bancorp on 10 of the 12 factors compared.

Community Investors Bancorp Company Profile

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.