CIB Marine Bancshares Inc (CIBH) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of CIB Marine Bancshares Inc $9.81, price $44.30, upside -77.9%, quality 37 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $14.25 – $46.75 · fair‑value band $7.36 – $12.26 · the $44.30 price screens above the $9.81 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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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.
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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.
Stock analysis
CIB Marine Bancshares Inc (CIBH) currently trades at $44.30, while our model-based Fair Value estimate is $9.81, implying the stock looks roughly 351.7% overvalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of $42.35 per share, and 0 of the 4 models we run sit above the $44.30 price.
Bear case: the Multiples group reads lowest at $8.50, and 4 of the 4 models stay below the price. Evidence for this calculation is medium.
Scenario range: $7.36 (bear) to $12.26 (bull), the price of $44.30 sits above 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 37/100 (below-average 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.
CIB Marine Bancshares Inc reported revenue of $30.4M in FY2023 versus $29.5M in FY2019, a compound +0.8%/yr. Reported net income was $880K in FY2023, compounding −19.0%/yr from FY2019.
Key figures
Market cap $59.2M · P/E ratio 19.6 · P/S ratio 0.57 · EPS (TTM) $2.26 · Net margin 2.9% · Return on equity 2.3% · Return on assets (EBIT) 0.5% · Operating margin 13.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 27 out of 100 (medium confidence).
What moves the price
The share trades about 5% below its 52-week high and 32% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at −78%, CIBH screens richer than that median.
Fair Value models
Bear $7.36Fair Value $9.81Bull $12.26
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.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.Evidence ⓘEvidence = 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.
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.19/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+3.3%
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.
−11.6%
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.
+0.8%
Revenue growth 9 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.
+5.2%
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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.
−16.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year−16.7%
Dividend (yield on the price)0.0%
Profit margin 2014 to 2019 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.4% → 9%
Compare CIB Marine Bancshares Inc with another stock
Price, fair value, quality and upside side by side.
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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 · 1076 stocks
Beats the industry median on 2/11 measures
Overall it trails its industry peers.
Valuation
Quality Score36 · Bottom 25%
Fair Value upside−78% · Bottom 25%
Profitability
Return on equity (TTM)2% · Bottom 25%
Return on assets0% · Bottom 25%
Net margin (TTM)7% · Bottom 25%
Operating margin (TTM)13% · Bottom 25%
Growth and dividend
Revenue growth−1% · Bottom 25%
Balance sheet
Debt / equity1.16× · Highest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (TTM)19.6× · Priciest 25%
P/B0.70× · Cheapest 25%
P/S (TTM)2.17× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 11
FUTURE (revenue growth)0· sector 45
PAST (return on equity)9· sector 41
HEALTH (low debt)42· sector 85
DIVIDEND (yield)0· sector 53
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Is CIB Marine Bancshares Inc (CIBH) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $9.81 versus a price of $44.30, about −78% upside (overvalued).
What is the fair value of CIBH?
Our model-based fair value for CIB Marine Bancshares Inc is $9.81 (as of Sep 23, 2026), built from audited fundamentals. The current price: $44.30.
What is the quality score of CIBH?
CIB Marine Bancshares Inc has a Quality Score of 37/100. 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 CIB Marine Bancshares Inc (CIBH)?
Our model-based price target is the fair value of $9.81 (as of Sep 23, 2026) from 4 valuation models. Cautious scenario $7.36, optimistic scenario $12.26. It is a calculation from audited fundamentals, not an analyst target.
What is the CIB Marine Bancshares Inc stock forecast for 2026?
Our models put fair value at $9.81, about −78% upside versus a price of $44.30 (overvalued). Cautious scenario $7.36, optimistic scenario $12.26. The calculation is refreshed regularly with new filings.
What is the revenue of CIB Marine Bancshares Inc (CIBH)?
CIB Marine Bancshares Inc reported trailing-twelve-month revenue of about $27.3M (latest available figure, as of Sep 23, 2026).
What is the intrinsic value of CIB Marine Bancshares Inc (CIBH)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For CIB Marine Bancshares Inc it is $9.81 per share (as of Sep 23, 2026), against a price of $44.30. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is CIB Marine Bancshares Inc stock overvalued or undervalued in 2026?
As of Sep 23, 2026, CIBH trades above its calculated fair value: price $44.30, fair value $9.81, a gap of about −78% (overvalued). 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 CIBH?
No. The price is what the market pays today ($44.30); the fair value is what the company's own numbers justify ($9.81). For CIB Marine Bancshares Inc the two are $34.49 per share apart. That gap is exactly why we show both numbers side by side.
How much is CIB Marine Bancshares Inc worth?
The market values CIB Marine Bancshares Inc at about $59.2M (market capitalisation, as of Sep 23, 2026). Per share that is $44.30; our models calculate a fair value of $9.81 per share.
What do the bullish and bearish scenarios say about CIBH?
Our models span a range for CIB Marine Bancshares Inc: cautious scenario $7.36, base $9.81, optimistic $12.26 per share (as of Sep 23, 2026, price $44.30). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CIBH?
CIB Marine Bancshares Inc trades at a price-to-earnings ratio of 19.6 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $9.81 is built from several models across several years. Other multiples: P/B 0.7, P/S 2.2.
How solid is the balance sheet of CIB Marine Bancshares Inc (CIBH)?
Balance-sheet figures for CIB Marine Bancshares Inc (as of Sep 23, 2026): return on equity 2.3%, debt of 1.16 per unit of equity. They feed the Quality Score of 37/100, which measures business quality independently of the share price.
How far is CIBH from its 52-week high?
CIB Marine Bancshares Inc trades at $44.30, about 5% below its 52-week high of $46.75 and 32% above the low of $33.50 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of $9.81 is for.
Which stocks are comparable to CIB Marine Bancshares Inc?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Intesa Sanpaolo S.p.A, 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 CIB Marine Bancshares Inc stock attractive at the current price?
The data as of Sep 23, 2026: price $44.30, calculated fair value $9.81 (−78%), Quality Score 37/100, from 4 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 CIBH calculated?
We run CIB Marine Bancshares Inc through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $9.81, 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 14.0 % above its aggregate fair value. CIB Marine Bancshares Inc itself currently trades above fair value. 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 CIB Marine Bancshares Inc (CIBH)?
The closing price on Sep 24, 2026 was $44.30. Our model-based fair value is $9.81, about −78% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with CIB Marine Bancshares Inc right now?
The price sits above even our optimistic bull case ($12.26). The favourable scenario is already priced in. Weak quality (37/100) and above fair value at the same time, the margin of safety is missing on both counts. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of CIB Marine Bancshares Inc
How large is the market capitalisation of CIB Marine Bancshares Inc (CIBH)?
The market capitalisation of CIB Marine Bancshares Inc is $59.2M. 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 CIB Marine Bancshares Inc (CIBH)?
The price-to-sales ratio of CIB Marine Bancshares Inc is 0.57 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of CIB Marine Bancshares Inc (CIBH)?
Earnings per share at CIB Marine Bancshares Inc are $2.26 (price ÷ EPS = P/E 19.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of CIB Marine Bancshares Inc (CIBH)?
The net margin of CIB Marine Bancshares Inc is 2.9% (fiscal year 2023). 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 CIB Marine Bancshares Inc (CIBH)?
The return on equity (ROE) of CIB Marine Bancshares Inc is 2.3% (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 CIB Marine Bancshares Inc (CIBH)?
On an EBIT basis the return on assets of CIB Marine Bancshares Inc is 0.5% (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 CIB Marine Bancshares Inc (CIBH)?
The operating margin of CIB Marine Bancshares Inc is 13.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at CIB Marine Bancshares Inc (CIBH)?
Revenue at CIB Marine Bancshares Inc is growing −0.9% versus a year earlier (3y avg −11.6%). 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 CIB Marine Bancshares Inc (CIBH)?
Earnings per share at CIB Marine Bancshares Inc are growing +87.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does CIB Marine Bancshares Inc (CIBH) generate?
The free cash flow of CIB Marine Bancshares Inc is −$904K (fiscal year 2023). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does CIB Marine Bancshares Inc (CIBH) carry?
The net debt of CIB Marine Bancshares Inc is $134M (fiscal year 2023). 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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Sep 23, 2026