Analyzing Community Investors Bancorp (CIBN) and Its Rivals

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Community Investors Bancorp	6.37%	N/A	N/A
Community Investors Bancorp Competitors	8.68%	5.23%	0.53%

Earnings and Valuation

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

	Gross Revenue	Net Income	Price/Earnings Ratio
Community Investors Bancorp	$17.26 million	$1.14 million	10.74
Community Investors Bancorp Competitors	$1.67 billion	$303.01 million	2.67

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

Risk & Volatility

Community Investors Bancorp has a beta of 0.19, suggesting that its share price is 81% less volatile than the S&P 500. Comparatively, Community Investors Bancorp’s peers have a beta of 0.28, suggesting 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 26.8% 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 34.9% of their earnings in the form of a dividend.

Insider and 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 company insiders. Comparatively, 9.7% of shares of all “Federal savings institutions” companies are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Summary

Community Investors Bancorp peers beat Community Investors Bancorp on 8 of the 11 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.