Community Investors Bancorp Inc (CIBN) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Community Investors Bancorp Inc stock $38.20, price $28.04, upside +36.2%, quality 50 out of 100. Rating: undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Community Investors Bancorp Inc
CIBN · USThe stock costs 27% less than our calculation considers fair.
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69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 3, 2026.
How to read this chart
60‑month range $8.17 – $28.50 · fair‑value band $29.66 – $50.11 · the $28.04 price screens below the $38.20 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 3, 2026.
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Company profile
Community Investors Bancorp, Inc. operates as a thrift holding company for First Federal Community Bank of Bucyrus, provides full range of banking and financial services to individual and corporate customers in northern Ohio.
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The company offers deposit accounts, including checking, savings, money market, christmas club, health savings, certificates of deposit, and individual retirement account, personal credit cards, as well as ohio homebuyer plus program.
It also provides lending products, such as personal consumer loans, home equity loans, home equity line of credit, auto and RV loans, mortgage, and construction loans; business loans comprising business loans, lines of credit, term loans, agriculture loans, secured loans, credit cards, commercial investment real estate, personal and business loan application, lending staff, and equipment finance.
In addition, the company offers online and mobile banking; bill pay; estatements; mobile deposit; flip kit; debit cards; ACH and payroll services; positive pay/check reconciliation; direct deposit; merchant services; night deposit; quicken/quickbooks; telephone banking; wires; check reorder; and fund transfer services.
Community Investors Bancorp, Inc. was founded in 1887 and is based in Bucyrus, Ohio.
Stock analysis
Community Investors Bancorp Inc (CIBN) currently trades at $28.04, while our model-based Fair Value estimate is $38.20, implying the stock looks roughly 27% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $40.09 per share, and 2 of the 6 models we run sit above the $28.04 price.
Bear case: the Dividend Discount group reads lowest at $7.53, and 4 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $29.66 (bear) to $50.11 (bull), the price of $28.04 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 50/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Community Investors Bancorp Inc reported revenue of $14.2M in FY2026 versus $14.7M in FY2022, a compound −0.9%/yr. Reported net income was $3.4M in FY2026, compounding +19.8%/yr from FY2022.
Key figures
Market cap $22.3M Micro · P/E ratio 6.5 · P/S ratio 1.44 · EPS (TTM) $4.29 · Dividend yield 1.4% · Net margin 22.1% · Return on equity 15.9% · Return on assets (EBIT) 0.8% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 61 out of 100 (low confidence).
What moves the price
The share trades about 2% below its 52-week high and 33% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 36%, CIBN screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Revenue & earnings trend
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Compare Community Investors Bancorp Inc with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- EBIT margin by industry
- P/S ratio by industry
- Stock screener with 62 metrics
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs CIBN |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs CIBN |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs CIBN |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs CIBN |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs CIBN |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs CIBN |
| Mizuho Financial Group MFG | $9.40 | $5.89 | −37% | vs CIBN |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs CIBN |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs CIBN |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs CIBN |
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Frequently asked questions
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Key figures of Community Investors Bancorp Inc
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