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Community Investors Bancorp Inc
Buy, Hold or Sell?

Let's analyse Community Investors Bancorp Inc together

PenkeI guess you are interested in Community Investors Bancorp Inc. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Community Investors Bancorp Inc. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of Community Investors Bancorp Inc (30 sec.)










What can you expect buying and holding a share of Community Investors Bancorp Inc? (30 sec.)

How much money do you get?

How much money do you get?
$1.59
When do you have the money?
1 year
How often do you get paid?
80.0%

What is your share worth?

Current worth
$21.17
Expected worth in 1 year
$21.76
How sure are you?
90.0%

+ What do you gain per year?

Total Gains per Share
$2.18
Return On Investment
16.7%

For what price can you sell your share?

Current Price per Share
$13.07
Expected price per share
$0 - $
How sure are you?
50%

1. Valuation of Community Investors Bancorp Inc (5 min.)




Live pricePrice per Share (EOD)

$13.07

Intrinsic Value Per Share

$13.52 - $55.10

Total Value Per Share

$34.69 - $76.26

2. Growth of Community Investors Bancorp Inc (5 min.)




Is Community Investors Bancorp Inc growing?

Current yearPrevious yearGrowGrow %
How rich?$16.8m$16.7m$105k0.6%

How much money is Community Investors Bancorp Inc making?

Current yearPrevious yearGrowGrow %
Making money$716k$1.6m-$936k-130.7%
Net Profit Margin5.2%11.3%--

How much money comes from the company's main activities?

3. Financial Health of Community Investors Bancorp Inc (5 min.)




4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

What can you expect buying and holding a share of Community Investors Bancorp Inc? (5 min.)

Welcome investor! Community Investors Bancorp Inc's management wants to use your money to grow the business. In return you get a share of Community Investors Bancorp Inc.

What can you expect buying and holding a share of Community Investors Bancorp Inc?

First you should know what it really means to hold a share of Community Investors Bancorp Inc. And how you can make/lose money.

Speculation

The Price per Share of Community Investors Bancorp Inc is $13.07. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Community Investors Bancorp Inc.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Community Investors Bancorp Inc, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is $21.17. Based on the TTM, the Book Value Change Per Share is $0.15 per quarter. Based on the YOY, the Book Value Change Per Share is $-1.06 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is $0.40 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Community Investors Bancorp Inc.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 $% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share$% of Price per Share
Usd Eps0.906.9%0.906.9%2.0815.9%1.8213.9%1.3910.7%
Usd Book Value Change Per Share0.151.1%0.151.1%-1.06-8.1%0.927.1%0.826.3%
Usd Dividend Per Share0.403.0%0.403.0%0.403.1%0.393.0%0.282.2%
Usd Total Gains Per Share0.554.2%0.554.2%-0.66-5.1%1.3110.0%1.118.5%
Usd Price Per Share17.00-17.00-17.00-10.60-8.86-
Price to Earnings Ratio18.87-18.87-8.18-6.70-8.67-
Price-to-Total Gains Ratio31.14-31.14--25.65-4.15-12.17-
Price to Book Ratio0.80-0.80-0.81-0.49-0.49-
Price-to-Total Gains Ratio31.14-31.14--25.65-4.15-12.17-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share13.07
Number of shares76
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.400.39
Usd Book Value Change Per Share0.150.92
Usd Total Gains Per Share0.551.31
Gains per Quarter (76 shares)41.4999.76
Gains per Year (76 shares)165.95399.05
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
112145156118281389
224290322237561788
33631354883558421187
448418065447411221586
560422582059214031985
672527098671116842384
7846315115282919642783
8967360131894822453182
910884051484106625253581
1012094511650118528063980

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%22.00.00.0100.0%
Book Value Change Per Share1.00.00.0100.0%2.01.00.066.7%4.01.00.080.0%9.01.00.090.0%18.04.00.081.8%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%8.00.02.080.0%18.00.04.081.8%
Total Gains per Share1.00.00.0100.0%2.01.00.066.7%4.01.00.080.0%9.01.00.090.0%18.04.00.081.8%

Fundamentals of Community Investors Bancorp Inc

About Community Investors Bancorp Inc

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.

Fundamental data was last updated by Penke on 2024-05-15 19:21:05.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating very inefficient.
The company is very efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is unable to pay all its short-term debts.
The company is just not able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is fair priced.
Based on how much money comes from the company's main activities, the company is cheap.

1.1. Profitability of Community Investors Bancorp Inc.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Community Investors Bancorp Inc earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Community Investors Bancorp Inc to the Banks - Regional industry mean.
  • A Net Profit Margin of 5.2% means that $0.05 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Community Investors Bancorp Inc:

  • The MRQ is 5.2%. The company is making a profit. +1
  • The TTM is 5.2%. The company is making a profit. +1
Trends
Current periodCompared to+/- 
MRQ5.2%TTM5.2%0.0%
TTM5.2%YOY11.3%-6.1%
TTM5.2%5Y10.2%-5.0%
5Y10.2%10Y10.2%+0.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ5.2%38.5%-33.3%
TTM5.2%29.6%-24.4%
YOY11.3%26.3%-15.0%
5Y10.2%23.6%-13.4%
10Y10.2%20.4%-10.2%
1.1.2. Return on Assets

Shows how efficient Community Investors Bancorp Inc is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Community Investors Bancorp Inc to the Banks - Regional industry mean.
  • 0.3% Return on Assets means that Community Investors Bancorp Inc generated $0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Community Investors Bancorp Inc:

  • The MRQ is 0.3%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.3%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.3%TTM0.3%0.0%
TTM0.3%YOY0.7%-0.4%
TTM0.3%5Y0.7%-0.4%
5Y0.7%10Y0.6%+0.1%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.3%0.3%0.0%
TTM0.3%0.2%+0.1%
YOY0.7%0.2%+0.5%
5Y0.7%0.2%+0.5%
10Y0.6%0.2%+0.4%
1.1.3. Return on Equity

Shows how efficient Community Investors Bancorp Inc is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Community Investors Bancorp Inc to the Banks - Regional industry mean.
  • 4.3% Return on Equity means Community Investors Bancorp Inc generated $0.04 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Community Investors Bancorp Inc:

  • The MRQ is 4.3%. Using its investors money, the company is inefficient in making profit. -1
  • The TTM is 4.3%. Using its investors money, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ4.3%TTM4.3%0.0%
TTM4.3%YOY9.9%-5.6%
TTM4.3%5Y8.9%-4.6%
5Y8.9%10Y7.6%+1.3%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ4.3%3.1%+1.2%
TTM4.3%2.5%+1.8%
YOY9.9%2.7%+7.2%
5Y8.9%2.5%+6.4%
10Y7.6%2.8%+4.8%

1.2. Operating Efficiency of Community Investors Bancorp Inc.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Community Investors Bancorp Inc is operating .

  • Measures how much profit Community Investors Bancorp Inc makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Community Investors Bancorp Inc to the Banks - Regional industry mean.
  • An Operating Margin of -3.9% means the company generated $-0.04  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Community Investors Bancorp Inc:

  • The MRQ is -3.9%. The company is operating very inefficient. -2
  • The TTM is -3.9%. The company is operating very inefficient. -2
Trends
Current periodCompared to+/- 
MRQ-3.9%TTM-3.9%0.0%
TTM-3.9%YOY-3.8%-0.1%
TTM-3.9%5Y-3.5%-0.3%
5Y-3.5%10Y-2.6%-0.9%
1.2.2. Operating Ratio

Measures how efficient Community Investors Bancorp Inc is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 0.21 means that the operating costs are $0.21 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Community Investors Bancorp Inc:

  • The MRQ is 0.210. The company is very efficient in keeping operating costs low. +2
  • The TTM is 0.210. The company is very efficient in keeping operating costs low. +2
Trends
Current periodCompared to+/- 
MRQ0.210TTM0.2100.000
TTM0.210YOY0.206+0.004
TTM0.2105Y0.215-0.005
5Y0.21510Y0.393-0.178

1.3. Liquidity of Community Investors Bancorp Inc.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Community Investors Bancorp Inc is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 0.07 means the company has $0.07 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Community Investors Bancorp Inc:

  • The MRQ is 0.067. The company is unable to pay all its short-term debts. -2
  • The TTM is 0.067. The company is unable to pay all its short-term debts. -2
Trends
Current periodCompared to+/- 
MRQ0.067TTM0.0670.000
TTM0.067YOY0.215-0.148
TTM0.0675Y0.450-0.382
5Y0.45010Y33.515-33.065
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM0.0670.124-0.057
YOY0.2150.167+0.048
5Y0.4500.207+0.243
10Y33.5150.131+33.384
1.3.2. Quick Ratio

Measures if Community Investors Bancorp Inc is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Community Investors Bancorp Inc to the Banks - Regional industry mean.
  • A Quick Ratio of 0.06 means the company can pay off $0.06 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Community Investors Bancorp Inc:

  • The MRQ is 0.056. The company is just not able to pay all its short-term debts with the most liquid assets. -1
  • The TTM is 0.056. The company is just not able to pay all its short-term debts with the most liquid assets. -1
Trends
Current periodCompared to+/- 
MRQ0.056TTM0.0560.000
TTM0.056YOY0.185-0.130
TTM0.0565Y0.410-0.354
5Y0.41010Y40.696-40.286

1.4. Solvency of Community Investors Bancorp Inc.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Community Investors Bancorp Inc assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Community Investors Bancorp Inc to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.94 means that Community Investors Bancorp Inc assets are financed with 93.8% credit (debt) and the remaining percentage (100% - 93.8%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Community Investors Bancorp Inc:

  • The MRQ is 0.938. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.938. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.938TTM0.9380.000
TTM0.938YOY0.929+0.010
TTM0.9385Y0.926+0.013
5Y0.92610Y0.920+0.005
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9380.915+0.023
TTM0.9380.916+0.022
YOY0.9290.918+0.011
5Y0.9260.919+0.007
10Y0.9200.926-0.006
1.4.2. Debt to Equity Ratio

Measures if Community Investors Bancorp Inc is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Community Investors Bancorp Inc to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 1,516.4% means that company has $15.16 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Community Investors Bancorp Inc:

  • The MRQ is 15.164. The company is unable to pay all its debts with equity. -1
  • The TTM is 15.164. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ15.164TTM15.1640.000
TTM15.164YOY12.988+2.176
TTM15.1645Y12.579+2.584
5Y12.57910Y11.645+0.935
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ15.16410.799+4.365
TTM15.16410.909+4.255
YOY12.98811.266+1.722
5Y12.57911.324+1.255
10Y11.64512.886-1.241

2. Market Valuation of Community Investors Bancorp Inc

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Community Investors Bancorp Inc generates.

  • Above 15 is considered overpriced but always compare Community Investors Bancorp Inc to the Banks - Regional industry mean.
  • A PE ratio of 18.87 means the investor is paying $18.87 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Community Investors Bancorp Inc:

  • The EOD is 14.505. Based on the earnings, the company is underpriced. +1
  • The MRQ is 18.866. Based on the earnings, the company is fair priced.
  • The TTM is 18.866. Based on the earnings, the company is fair priced.
Trends
Current periodCompared to+/- 
EOD14.505MRQ18.866-4.361
MRQ18.866TTM18.8660.000
TTM18.866YOY8.183+10.683
TTM18.8665Y6.703+12.163
5Y6.70310Y8.665-1.962
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD14.5053.697+10.808
MRQ18.8663.418+15.448
TTM18.8664.741+14.125
YOY8.1836.901+1.282
5Y6.7039.496-2.793
10Y8.6659.770-1.105
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Community Investors Bancorp Inc:

  • The EOD is 6.882. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 8.952. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is 8.952. Based on how much money comes from the company's main activities, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD6.882MRQ8.952-2.069
MRQ8.952TTM8.9520.000
TTM8.952YOY6.040+2.911
TTM8.9525Y4.631+4.321
5Y4.63110Y3.493+1.138
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD6.882-2.553+9.435
MRQ8.952-2.360+11.312
TTM8.952-1.072+10.024
YOY6.0406.461-0.421
5Y4.6310.248+4.383
10Y3.4930.032+3.461
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Community Investors Bancorp Inc is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 0.80 means the investor is paying $0.80 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Community Investors Bancorp Inc:

  • The EOD is 0.617. Based on the equity, the company is cheap. +2
  • The MRQ is 0.803. Based on the equity, the company is cheap. +2
  • The TTM is 0.803. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD0.617MRQ0.803-0.186
MRQ0.803TTM0.8030.000
TTM0.803YOY0.809-0.006
TTM0.8035Y0.494+0.309
5Y0.49410Y0.490+0.005
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD0.6170.455+0.162
MRQ0.8030.420+0.383
TTM0.8030.439+0.364
YOY0.8090.594+0.215
5Y0.4940.763-0.269
10Y0.4900.991-0.501
2. Total Gains per Share

3. Summary

3.1. Key Performance Indicators

The key performance indicators of Community Investors Bancorp Inc compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--0.1480.1480%-1.063+817%0.923-84%0.824-82%
Book Value Per Share--21.16821.1680%21.020+1%20.369+4%17.757+19%
Current Ratio--0.0670.0670%0.215-69%0.450-85%33.515-100%
Debt To Asset Ratio--0.9380.9380%0.929+1%0.926+1%0.920+2%
Debt To Equity Ratio--15.16415.1640%12.988+17%12.579+21%11.645+30%
Dividend Per Share--0.3980.3980%0.400-1%0.390+2%0.283+40%
Eps--0.9010.9010%2.077-57%1.822-51%1.393-35%
Free Cash Flow Per Share--1.8991.8990%2.814-33%1.643+16%1.670+14%
Free Cash Flow To Equity Per Share--48.42948.4290%18.118+167%29.645+63%21.662+124%
Gross Profit Margin---7.929-7.9290%-3.964-50%-4.312-46%-3.310-58%
Intrinsic Value_10Y_max--55.096--------
Intrinsic Value_10Y_min--13.522--------
Intrinsic Value_1Y_max--3.038--------
Intrinsic Value_1Y_min--1.587--------
Intrinsic Value_3Y_max--11.021--------
Intrinsic Value_3Y_min--4.595--------
Intrinsic Value_5Y_max--21.285--------
Intrinsic Value_5Y_min--7.391--------
Market Cap10379435.940-30%13507945.00013507945.0000%13518264.0000%8426971.400+60%7046704.352+92%
Net Profit Margin--0.0520.0520%0.113-54%0.102-49%0.102-49%
Operating Margin---0.039-0.0390%-0.038-2%-0.035-9%-0.026-32%
Operating Ratio--0.2100.2100%0.206+2%0.215-2%0.393-47%
Pb Ratio0.617-30%0.8030.8030%0.809-1%0.494+62%0.490+64%
Pe Ratio14.505-30%18.86618.8660%8.183+131%6.703+181%8.665+118%
Price Per Share13.070-30%17.00017.0000%17.0000%10.600+60%8.856+92%
Price To Free Cash Flow Ratio6.882-30%8.9528.9520%6.040+48%4.631+93%3.493+156%
Price To Total Gains Ratio23.942-30%31.14231.1420%-25.651+182%4.148+651%12.168+156%
Quick Ratio--0.0560.0560%0.185-70%0.410-86%40.696-100%
Return On Assets--0.0030.0030%0.007-63%0.007-61%0.006-56%
Return On Equity--0.0430.0430%0.099-57%0.089-52%0.076-44%
Total Gains Per Share--0.5460.5460%-0.663+221%1.313-58%1.108-51%
Usd Book Value--16820000.00016820000.0000%16715000.000+1%16195000.000+4%14124999.900+19%
Usd Book Value Change Per Share--0.1480.1480%-1.063+817%0.923-84%0.824-82%
Usd Book Value Per Share--21.16821.1680%21.020+1%20.369+4%17.757+19%
Usd Dividend Per Share--0.3980.3980%0.400-1%0.390+2%0.283+40%
Usd Eps--0.9010.9010%2.077-57%1.822-51%1.393-35%
Usd Free Cash Flow--1509000.0001509000.0000%2238000.000-33%1306400.000+16%1061500.000+42%
Usd Free Cash Flow Per Share--1.8991.8990%2.814-33%1.643+16%1.670+14%
Usd Free Cash Flow To Equity Per Share--48.42948.4290%18.118+167%29.645+63%21.662+124%
Usd Market Cap10379435.940-30%13507945.00013507945.0000%13518264.0000%8426971.400+60%7046704.352+92%
Usd Price Per Share13.070-30%17.00017.0000%17.0000%10.600+60%8.856+92%
Usd Profit--716000.000716000.0000%1652000.000-57%1448600.000-51%1107800.000-35%
Usd Revenue--13808000.00013808000.0000%14684000.000-6%13920000.000-1%10866200.000+27%
Usd Total Gains Per Share--0.5460.5460%-0.663+221%1.313-58%1.108-51%
 EOD+4 -4MRQTTM+0 -0YOY+11 -235Y+15 -2110Y+16 -20

3.2. Fundamental Score

Let's check the fundamental score of Community Investors Bancorp Inc based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1514.505
Price to Book Ratio (EOD)Between0-10.617
Net Profit Margin (MRQ)Greater than00.052
Operating Margin (MRQ)Greater than0-0.039
Quick Ratio (MRQ)Greater than10.056
Current Ratio (MRQ)Greater than10.067
Debt to Asset Ratio (MRQ)Less than10.938
Debt to Equity Ratio (MRQ)Less than115.164
Return on Equity (MRQ)Greater than0.150.043
Return on Assets (MRQ)Greater than0.050.003
Total4/10 (40.0%)

3.3. Technical Score

Let's check the technical score of Community Investors Bancorp Inc based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5011.031
Ma 20Greater thanMa 5013.455
Ma 50Greater thanMa 10013.765
Ma 100Greater thanMa 20014.162
OpenGreater thanClose13.070
Total0/5 (0.0%)



Latest Balance Sheet

Balance Sheet of 2023-06-30. Currency in USD. All numbers in thousands.

Summary
Total Assets271,874
Total Liabilities255,054
Total Stockholder Equity16,820
 As reported
Total Liabilities 255,054
Total Stockholder Equity+ 16,820
Total Assets = 271,874

Assets

Total Assets271,874
Total Current Assets7,704
Long-term Assets264,170
Total Current Assets
Cash And Cash Equivalents 6,353
Total Current Assets  (as reported)7,704
Total Current Assets  (calculated)6,353
+/- 1,351
Long-term Assets
Property Plant Equipment 5,583
Goodwill 400
Intangible Assets 931
Other Assets 220,745
Long-term Assets  (as reported)264,170
Long-term Assets  (calculated)227,659
+/- 36,511

Liabilities & Shareholders' Equity

Total Current Liabilities114,189
Long-term Liabilities140,865
Total Stockholder Equity16,820
Total Current Liabilities
Short-term Debt 16,996
Accounts payable 214,182
Other Current Liabilities 97,193
Total Current Liabilities  (as reported)114,189
Total Current Liabilities  (calculated)328,371
+/- 214,182
Long-term Liabilities
Other Liabilities 1,487
Long-term Liabilities  (as reported)140,865
Long-term Liabilities  (calculated)1,487
+/- 139,378
Total Stockholder Equity
Common Stock15
Retained Earnings 21,200
Accumulated Other Comprehensive Income -2,220
Other Stockholders Equity -2,175
Total Stockholder Equity (as reported)16,820
Total Stockholder Equity (calculated)16,820
+/-0
Other
Cash and Short Term Investments 6,353
Common Stock Shares Outstanding 795
Liabilities and Stockholders Equity 271,874
Net Debt 32,436
Net Tangible Assets 16,390
Net Working Capital -106,485
Short Long Term Debt Total 38,789



Balance Sheet

Currency in USD. All numbers in thousands.

 Trend2023-06-302022-06-302021-06-302020-06-302019-06-302018-06-302017-06-302016-06-302015-06-302014-06-302013-06-302005-06-302004-06-302003-06-302002-06-302001-06-302000-06-301999-06-301998-06-301997-06-301996-06-301995-06-30
> Total Assets 
84,700
91,800
92,300
102,500
116,200
119,034
114,329
119,790
122,658
121,854
120,653
119,308
130,367
137,086
140,300
143,367
154,012
168,916
206,763
222,377
233,805
271,874
271,874233,805222,377206,763168,916154,012143,367140,300137,086130,367119,308120,653121,854122,658119,790114,329119,034116,200102,50092,30091,80084,700
   > Total Current Assets 
1,500
2,300
2,600
3,000
3,800
2,259
3,600
7,857
14,838
7,211
0
5,338
5,118
6,711
7,500
13,264
14,264
8,971
21,109
19,945
11,244
7,704
7,70411,24419,94521,1098,97114,26413,2647,5006,7115,1185,33807,21114,8387,8573,6002,2593,8003,0002,6002,3001,500
       Cash And Cash Equivalents 
1,100
1,900
2,400
2,800
3,500
2,003
3,393
7,551
14,375
6,720
1,453
5,338
5,118
6,711
7,002
12,792
12,729
7,394
19,334
18,330
9,692
6,353
6,3539,69218,33019,3347,39412,72912,7927,0026,7115,1185,3381,4536,72014,3757,5513,3932,0033,5002,8002,4001,9001,100
       Short-term Investments 
0
0
0
0
0
612
887
6,289
13,467
4,347
2,865
0
1,984
992
0
0
986
986
0
0
0
0
0000986986009921,98402,8654,34713,4676,28988761200000
       Net Receivables 
400
400
200
200
300
256
207
306
463
491
0
0
0
0
0
0
0
0
0
0
0
0
000000000000491463306207256300200200400400
       Other Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
4,962
7,521
7,500
13,264
14,264
8,971
21,109
19,945
11,244
7,704
7,70411,24419,94521,1098,97114,26413,2647,5007,5214,962000000000000
   > Long-term Assets 
22,200
22,500
12,100
14,700
20,800
20,019
14,455
14,079
11,120
16,429
0
113,970
125,249
130,375
132,800
130,103
139,748
159,945
185,654
202,432
222,561
264,170
264,170222,561202,432185,654159,945139,748130,103132,800130,375125,249113,970016,42911,12014,07914,45520,01920,80014,70012,10022,50022,200
       Property Plant Equipment 
100
600
600
600
700
761
686
730
1,806
2,368
2,271
4,063
4,043
4,071
4,017
3,923
3,903
5,410
5,321
6,092
5,792
5,583
5,5835,7926,0925,3215,4103,9033,9234,0174,0714,0434,0632,2712,3681,806730686761700600600600100
       Goodwill 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
400
400
40040000000000000000000000
       Long Term Investments 
0
0
0
0
0
0
0
110,728
105,622
111,780
0
0
16,752
15,460
16,593
16,210
15,476
13,423
0
0
0
0
000013,42315,47616,21016,59315,46016,75200111,780105,622110,7280000000
       Intangible Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
582
569
546
946
992
1,039
931
9311,039992946546569582000000000000000
       Other Assets 
61,000
67,000
77,600
84,800
91,600
96,756
96,274
97,854
96,700
98,214
1,157
0
97,397
102,263
105,767
0
115,533
135,131
153,513
155,203
178,939
220,745
220,745178,939155,203153,513135,131115,5330105,767102,26397,39701,15798,21496,70097,85496,27496,75691,60084,80077,60067,00061,000
> Total Liabilities 
1,900
10,200
81,200
92,200
105,800
329
102,671
21,502
109,814
108,622
107,362
108,969
119,554
125,544
128,000
130,910
140,849
154,741
191,058
204,817
217,090
255,054
255,054217,090204,817191,058154,741140,849130,910128,000125,544119,554108,969107,362108,622109,81421,502102,671329105,80092,20081,20010,2001,900
   > Total Current Liabilities 
1,900
10,200
300
300
400
329
196
21,502
168
158
0
48
46
33
442
19,273
23,121
27,143
23,806
26,651
52,279
114,189
114,18952,27926,65123,80627,14323,12119,273442334648015816821,50219632940030030010,2001,900
       Short-term Debt 
1,500
9,900
0
0
0
0
0
21,334
21,244
21,062
0
0
23,000
35,280
35,515
9,113
12,045
16,874
9,368
10,988
12,705
16,996
16,99612,70510,9889,36816,87412,0459,11335,51535,28023,0000021,06221,24421,334000009,9001,500
       Short Long Term Debt 
0
0
0
0
0
0
0
21,334
21,244
21,062
0
0
23,000
35,280
35,515
29,978
0
0
0
0
0
0
00000029,97835,51535,28023,0000021,06221,24421,3340000000
       Accounts payable 
400
300
300
300
400
329
196
168
168
158
77,540
0
96,029
89,252
91,089
99,818
108,017
118,513
150,155
173,631
195,465
214,182
214,182195,465173,631150,155118,513108,01799,81891,08989,25296,029077,540158168168196329400300300300400
       Other Current Liabilities 
-1,900
-10,200
-300
-300
-400
-329
-196
-21,502
-168
-158
0
0
66
265
442
10,160
11,076
10,269
14,438
15,663
39,574
97,193
97,19339,57415,66314,43810,26911,07610,1604422656600-158-168-21,502-196-329-400-300-300-10,200-1,900
   > Long-term Liabilities 
0
0
7,800
15,600
25,300
329
22,199
21,502
21,244
21,062
0
108,921
119,508
125,511
127,558
111,637
117,728
127,598
167,252
178,166
164,811
140,865
140,865164,811178,166167,252127,598117,728111,637127,558125,511119,508108,921021,06221,24421,50222,19932925,30015,6007,80000
       Other Liabilities 
0
0
0
0
0
522
382
476
505
357
591
0
413
714
954
1,067
743
940
1,121
1,614
1,188
1,487
1,4871,1881,6141,1219407431,067954714413059135750547638252200000
       Deferred Long Term Liability 
0
0
0
0
0
0
0
114
149
130
0
0
0
0
0
0
0
0
0
0
0
0
0000000000001301491140000000
> Total Stockholder Equity
12,300
11,500
11,100
10,300
10,400
10,763
11,658
12,324
12,844
13,232
13,291
10,339
10,813
11,542
12,300
12,457
13,163
14,175
15,705
17,560
16,715
16,820
16,82016,71517,56015,70514,17513,16312,45712,30011,54210,81310,33913,29113,23212,84412,32411,65810,76310,40010,30011,10011,50012,300
   Common Stock
0
0
0
0
0
17
17
17
17
17
17
15
15
15
15
15
15
15
15
15
15
15
151515151515151515151517171717171700000
   Retained Earnings 
6,000
6,800
7,100
7,700
8,400
8,728
9,504
10,371
11,136
11,630
12,152
12,526
12,912
13,602
14,312
14,546
15,466
16,231
17,448
19,466
20,800
21,200
21,20020,80019,46617,44816,23115,46614,54614,31213,60212,91212,52612,15211,63011,13610,3719,5048,7288,4007,7007,1006,8006,000
   Accumulated Other Comprehensive Income 
-500
0
0
0
0
-765
-324
-140
-62
-95
0
-44
44
83
131
54
-160
87
400
237
-1,942
-2,220
-2,220-1,94223740087-160541318344-440-95-62-140-324-7650000-500
   Capital Surplus 0000000000000000000000
   Treasury Stock00000000000-6,153-5,662-5,615-5,234-4,795-4,40800000
   Other Stockholders Equity 
6,800
4,700
4,000
2,600
2,000
2,783
2,461
2,076
1,753
1,680
0
-2,158
-2,158
-2,158
-2,158
-2,158
-2,158
-2,158
-2,158
-2,158
-2,158
-2,175
-2,175-2,158-2,158-2,158-2,158-2,158-2,158-2,158-2,158-2,158-2,15801,6801,7532,0762,4612,7832,0002,6004,0004,7006,800



Balance Sheet

Currency in USD. All numbers in thousands.




Cash Flow

Currency in USD. All numbers in thousands.