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CIB Marine Bancshares, Inc (CIBH) Fair Value & Analysis

Financial Services · US · Market cap $53.9M

Price$40.60
Fair Value$8.50
Upside-79.1%
Quality89/100
Evidence: Medium Range $6.38 – $10.63

Fair value as of: Jun 26, 2026

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Analysis

CIB Marine Bancshares, Inc (CIBH) currently trades at $40.60, while our model-based Fair Value estimate is $8.50 — implying the stock looks roughly 79.1% overvalued today. We read business quality at 89/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: medium).

About the company

CIB Marine Bancshares, Inc. operates as the bank holding company for CIBM Bank that provides commercial banking services to individual and business customers in Illinois, Indiana, and Wisconsin. The company provides deposit accounts comprising checking, savings, and time deposits. It also offers a range of loan products, such as commercial, commercial real estate, commercial and residential construction, government guaranteed, one-to-four family residential real estate, home equity, and consumer loans, as well as commercial and standby letters of credit. In addition, the company provides trust services; cash management; repurchase agreements; and other banking services. Further, it invests in securities. The company was formerly known as Central Illinois Bancorp, Inc. and changed its name to CIB Marine Bancshares, Inc. in August 1999. CIB Marine Bancshares, Inc. was incorporated in 1985 and is based in Brookfield, Wisconsin.

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Frequently asked questions

Is CIB Marine Bancshares, Inc (CIBH) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $8.50 versus a price of $40.60 — about −79% (overvalued). Model-based estimate, not financial advice.
What is the fair value of CIBH?
Our 21-model fair value for CIB Marine Bancshares, Inc is $8.50 (as of Jun 26, 2026), built from audited fundamentals. The current price is $40.60.
What is the quality score of CIBH?
CIB Marine Bancshares, Inc has a Quality Score of 89/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.