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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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Financial Services US

CI Community Investors Bancorp Inc logo Broad data Nov 3, 2026

Community Investors Bancorp Inc

CIBN · US
Undervalued, in an uptrend

The stock costs 27% less than our calculation considers fair.

Fair value $38.20 · Undervalued
Highly profitable · 22.1% net margin (TTM)
1.4% dividend yield · Low payout
Broad data
Costs just 6.5 times its yearly profit.
Quality 50/100
Moderate moat 61/100 · thin data
Weak Growth (revenue 5y −3.7 %/yr in USD)
Trails peers (5/13)
⚠ Thinly traded
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What runs behind every stock

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$28.50 $8.17 Fair Value $38.20 Jun 2015 Nov 2026

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

Bear $29.66 Fair Value $38.20 Bull $50.11
Price $28.04 · Upside +36.2%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 4 months old). Earnings retained since then ($1.41 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $29.66 $38.20 $58.84 74
DDM Multi-Stage $3.83 $6.69 $8.71 66
Gordon GGM $3.83 $8.36 $14.04 65
All 6 models by family
Dividend Discount
Gordon GGM $3.83 $8.36 $14.04 65
DDM Multi-Stage $3.83 $6.69 $8.71 66
Multiples
P/E Multiple $41.84 $55.79 $69.74 63
P/B Multiple $18.29 $24.39 $30.48 55
Asset-Based
NCAV (Graham) $13.91 $18.65 $27.83 54
Economic Profit
Residual Income $29.66 $38.20 $58.84 74

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Quality Score breakdown

Overall quality 50/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 37
How much profit the company makes from its sales and capital
Quality Growth 64
Are margins and returns getting better?
Cashflow 33
Do the profits arrive as real cash?
Financial strength 15
Debt, balance sheet and risk of trouble
Investment 63
Does it invest with discipline instead of growing at any price?
Low Volatility 61
How calm the share price moves, does not count
Price momentum 67
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 99
Distance to the 52-week high, does not count
New shares 82
Buys back shares or issues new ones?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 22/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+25.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+0.9%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−3.7%
Start year 2021 (pandemic). Over 10 years: +6.4% a year
Revenue growth 31 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+5.3%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: EBIT basis.
≈ +3.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+2.5%
Dividend (yield on the price)1.4%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.15.6% vs 14.9%, steady
Pace: the 5-year rate starts in 2021 (pandemic)
⚠ Rate on operating basis: 2026 sits 198% above its own trend.

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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

Beats the industry median on 5/13 measures
Overall it trails its industry peers.
Valuation
Quality Score 50 · Below median
Fair Value upside +36.2% · Top 25%
Profitability
Return on equity (12 months) 15.9% · Top 25%
Return on assets 0.9% · Below median
Net margin (12 months) 22.1% · Bottom 25%
Operating margin (12 months) 27.0% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 2.0% · Below median
Dividend yield (12 months) 1.4% · Bottom 25%
Balance sheet
Debt / equity 1.52× · Highest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 6.5× · Cheapest 25%
P/B 0.96× · Cheaper than median
P/S (12 months) 1.44× · Cheapest 25%
EV/EBITDA 22.5× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)82 · sector 8
FUTURE (revenue growth)10 · sector 47
PAST (return on equity)63 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)29 · sector 53

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

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

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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Cite: Fair Value Calculator (2026). "Community Investors Bancorp Inc Fair Value". https://www.fairvalue-calculator.com/stock/CIBN

Frequently asked questions

Is Community Investors Bancorp Inc (CIBN) overvalued or undervalued?
As of Nov 3, 2026, our model estimates a fair value of $38.20 versus a price of $28.04, about +36% upside (undervalued).
What is the fair value of CIBN?
Our model-based fair value for Community Investors Bancorp Inc is $38.20 (as of Nov 3, 2026), built from audited fundamentals. The current price: $28.04.
What is the quality score of CIBN?
Community Investors Bancorp Inc has a Quality Score of 50/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Community Investors Bancorp Inc (CIBN)?
Our model-based price target is the fair value of $38.20 (as of Nov 3, 2026) from 6 valuation models. Cautious scenario $29.66, optimistic scenario $50.11. It is a calculation from audited fundamentals, not an analyst target.
What is the Community Investors Bancorp Inc stock forecast for 2026?
Our models put fair value at $38.20, about +36% upside versus a price of $28.04 (undervalued). Cautious scenario $29.66, optimistic scenario $50.11. The calculation is refreshed regularly with new filings.
What is the revenue of Community Investors Bancorp Inc (CIBN)?
Community Investors Bancorp Inc reported trailing-twelve-month revenue of about $15.4M (latest available figure, as of Nov 3, 2026).
Does Community Investors Bancorp Inc pay a dividend?
Community Investors Bancorp Inc currently shows a dividend yield of 1.43% relative to its recent price (as of Nov 3, 2026).
How much is the dividend of Community Investors Bancorp Inc (CIBN) and when is the ex-dividend date?
Community Investors Bancorp Inc pays a dividend of $0.4 per share a year, a dividend yield of 1.4%. The last ex-dividend date was Sep 11, 2026. A dividend has been paid every year since 2013. The payout ratio is 9.3% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Community Investors Bancorp Inc (CIBN)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Community Investors Bancorp Inc it is $38.20 per share (as of Nov 3, 2026), against a price of $28.04. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Community Investors Bancorp Inc stock overvalued or undervalued in 2026?
As of Nov 3, 2026, CIBN trades below its calculated fair value: price $28.04, fair value $38.20, a gap of about +36% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CIBN?
No. The price is what the market pays today ($28.04); the fair value is what the company's own numbers justify ($38.20). For Community Investors Bancorp Inc the two are $10.16 per share apart. That gap is exactly why we show both numbers side by side.
How much is Community Investors Bancorp Inc worth?
The market values Community Investors Bancorp Inc at about $22.3M (market capitalisation, as of Nov 3, 2026). Per share that is $28.04; our models calculate a fair value of $38.20 per share.
What do the bullish and bearish scenarios say about CIBN?
Our models span a range for Community Investors Bancorp Inc: cautious scenario $29.66, base $38.20, optimistic $50.11 per share (as of Nov 3, 2026, price $28.04). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CIBN?
Community Investors Bancorp Inc trades at a price-to-earnings ratio of 6.5 (as of Nov 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $38.20 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2017 to 2026), reported earnings: 8.6. Other multiples: P/B 1.0, P/S 1.4, EV/EBITDA 22.5.
How solid is the balance sheet of Community Investors Bancorp Inc (CIBN)?
Balance-sheet figures for Community Investors Bancorp Inc (as of Nov 3, 2026): return on equity 15.9%, debt of 1.52 per unit of equity. They feed the Quality Score of 50/100, which measures business quality independently of the share price.
How far is CIBN from its 52-week high?
Community Investors Bancorp Inc trades at $28.04, about 2% below its 52-week high of $28.50 and 33% above the low of $21.08 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $38.20 is for.
Which stocks are comparable to Community Investors Bancorp Inc?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Community Investors Bancorp Inc stock attractive at the current price?
The data as of Nov 3, 2026: price $28.04, calculated fair value $38.20 (+36%), Quality Score 50/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CIBN calculated?
We run Community Investors Bancorp Inc through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $38.20 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Community Investors Bancorp Inc currently trades 27% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Community Investors Bancorp Inc (CIBN)?
The closing price on Nov 6, 2026 was $28.04. Our model-based fair value is $38.20, about +36% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Community Investors Bancorp Inc right now?
The price is below even our cautious bear case ($29.66). The market is more pessimistic than our downside scenario. Solid quality (50/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Community Investors Bancorp Inc (CIBN) come from?
Earnings per share at Community Investors Bancorp Inc grew +10.9 % a year from 2013 to 2024. Broken into its drivers: revenue per share +10.7 %, EBIT margin −1.8 %, tax rate +2.1 %, residual (interest, one-offs) −0.2 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Community Investors Bancorp Inc

How large is the market capitalisation of Community Investors Bancorp Inc (CIBN)?
The market capitalisation of Community Investors Bancorp Inc is $22.3M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Community Investors Bancorp Inc (CIBN)?
The price-to-sales ratio of Community Investors Bancorp Inc is 1.44 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Community Investors Bancorp Inc (CIBN)?
Earnings per share at Community Investors Bancorp Inc are $4.29 (price ÷ EPS = P/E 6.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Community Investors Bancorp Inc (CIBN)?
The dividend yield of Community Investors Bancorp Inc is 1.4% (payout 9.3%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Community Investors Bancorp Inc (CIBN)?
The net margin of Community Investors Bancorp Inc is 22.1% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Community Investors Bancorp Inc (CIBN)?
The return on equity (ROE) of Community Investors Bancorp Inc is 15.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Community Investors Bancorp Inc (CIBN)?
On an EBIT basis the return on assets of Community Investors Bancorp Inc is 0.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Community Investors Bancorp Inc (CIBN)?
The operating margin of Community Investors Bancorp Inc is 27.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Community Investors Bancorp Inc (CIBN)?
Revenue at Community Investors Bancorp Inc is growing +2.0% versus a year earlier (3y avg +0.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Community Investors Bancorp Inc (CIBN)?
Earnings per share at Community Investors Bancorp Inc are growing +33.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Community Investors Bancorp Inc (CIBN) generate?
The free cash flow of Community Investors Bancorp Inc is −$2.8M (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Community Investors Bancorp Inc (CIBN) carry?
The net debt of Community Investors Bancorp Inc is $41.8M (fiscal year 2026). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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