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

Community Investors Bancorp (OTCMKTS:CIBN) is one of 114 public companies in the “Federal savings institutions” industry, but how does it weigh in compared to its rivals? We will compare Community Investors Bancorp to related businesses based on the strength of its analyst recommendations, institutional ownership, valuation, profitability, dividends, risk and earnings.

Earnings and Valuation

This table compares Community Investors Bancorp and its rivals top-line revenue, earnings per share and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
Community Investors Bancorp	$17.26 million	$1.14 million	11.19
Community Investors Bancorp Competitors	$919.87 million	$302.96 million	2.08

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

Insider & Institutional Ownership

41.7% 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, 9.6% of shares of all “Federal savings institutions” companies are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.

Analyst Ratings

This is a summary of recent ratings and price targets for Community Investors Bancorp and its rivals, 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	513	2015	1209	51	2.21

As a group, “Federal savings institutions” companies have a potential upside of 5.24%. Given Community Investors Bancorp’s rivals higher possible upside, analysts clearly believe Community Investors Bancorp has less favorable growth aspects than its rivals.

Risk & Volatility

Community Investors Bancorp has a beta of 0.2, indicating that its share price is 80% less volatile than the S&P 500. Comparatively, Community Investors Bancorp’s rivals have a beta of 0.28, indicating that their average share 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 2.5%. 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 2.9% and pay out 35.4% of their earnings in the form of a dividend.

Profitability

This table compares Community Investors Bancorp and its rivals’ 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	8.68%	5.24%	0.53%

Summary

Community Investors Bancorp rivals beat Community Investors Bancorp on 9 of the 12 factors compared.

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.