CIBN

Community Investors Bancorp, Inc.

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Price alert · CIBN

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28.48 USD 0.00 0.00%
As of Oct 30, 2026
28.48 Day range 28.48
21.18 52-week range 28.48
YTD
+29.45%
1 year
+34.47%
Open
28.48
Prev close
28.48
Mkt cap
22.62M
Vol
500
Avg vol
158
EPS
4.29
P/E
6.64
More statistics
Low
28.48
High
28.48
Earnings
Oct 27, 2017

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Financial health

Altman Z-Score

0.29 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B3 / 5 overall

  • DCF 1
  • Return on Equity 4
  • Return on Assets 2
  • Debt / Equity 1
  • P/E 4
  • P/B 4

Valuation

P/E 6.2×
FY 2016: 26.6×FY 2017: 10.6×FY 2018: 13.9×FY 2019: 8.1×FY 2020: 6.5×FY 2021: 8.2×FY 2022: 18.9×FY 2023: 9.0×FY 2024: 7.9×FY 2025: 6.2×
FY 2016 5y median 8.2× FY 2025
P/S 0.9×
FY 2016: 1.2×FY 2017: 1.3×FY 2018: 1.4×FY 2019: 0.9×FY 2020: 0.9×FY 2021: 0.9×FY 2022: 1.0×FY 2023: 0.6×FY 2024: 0.7×FY 2025: 0.9×
FY 2016 5y median 0.9× FY 2025
P/B 0.9×
FY 2016: 1.0×FY 2017: 0.9×FY 2018: 1.0×FY 2019: 0.8×FY 2020: 0.9×FY 2021: 0.8×FY 2022: 0.8×FY 2023: 0.6×FY 2024: 0.7×FY 2025: 0.9×
FY 2016 5y median 0.8× FY 2025
P/FCF 0.0×
FY 2016: 11.8×FY 2017: -7.7×FY 2018: -28.9×FY 2019: 41.4×FY 2020: 48.1×FY 2021: 36.0×FY 2022: 11.7×FY 2023: 17.8×FY 2024: 14.3×FY 2025: 0.0×
FY 2016 5y median 14.3× FY 2025
EV/EBITDA 15.2×
FY 2016: 29.1×FY 2017: 21.3×FY 2018: 27.5×FY 2019: 12.3×FY 2020: 7.6×FY 2021: 9.7×FY 2022: 37.3×FY 2023: 31.6×FY 2024: 19.9×FY 2025: 15.2×
FY 2016 5y median 19.9× FY 2025
EV/Sales 2.8×
FY 2016: 2.8×FY 2017: 3.2×FY 2018: 4.1×FY 2019: 1.7×FY 2020: 1.5×FY 2021: 1.6×FY 2022: 3.3×FY 2023: 3.3×FY 2024: 2.3×FY 2025: 2.8×
FY 2016 5y median 2.8× FY 2025
FCF Yield 0.0%
FY 2016: 8.5%FY 2017: -13.0%FY 2018: -3.5%FY 2019: 2.4%FY 2020: 2.1%FY 2021: 2.8%FY 2022: 8.6%FY 2023: 5.6%FY 2024: 7.0%FY 2025: 0.0%
FY 2016 5y median 5.6% FY 2025

Profitability

Gross Margin 60.7%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 85.6%FY 2020: 90.1%FY 2021: 91.1%FY 2022: 75.0%FY 2023: 58.1%FY 2024: 57.7%FY 2025: 60.7%
FY 2016 5y median 60.7% FY 2025
Operating Margin 18.5%
FY 2016: 7.7%FY 2017: 13.4%FY 2018: 12.8%FY 2019: 13.9%FY 2020: 17.2%FY 2021: 13.7%FY 2022: 6.0%FY 2023: 8.5%FY 2024: 11.4%FY 2025: 18.5%
FY 2016 5y median 11.4% FY 2025
Net Margin 15.2%
FY 2016: 4.4%FY 2017: 11.9%FY 2018: 10.0%FY 2019: 11.1%FY 2020: 13.6%FY 2021: 11.3%FY 2022: 5.2%FY 2023: 6.6%FY 2024: 9.3%FY 2025: 15.2%
FY 2016 5y median 9.3% FY 2025
ROE 14.7%
FY 2016: 3.7%FY 2017: 8.8%FY 2018: 7.1%FY 2019: 9.7%FY 2020: 13.3%FY 2021: 9.9%FY 2022: 4.3%FY 2023: 6.4%FY 2024: 9.2%FY 2025: 14.7%
FY 2016 5y median 9.2% FY 2025
ROIC 0.9%
FY 2016: 0.4%FY 2017: 1.0%FY 2018: 0.8%FY 2019: 2.7%FY 2020: 1.1%FY 2021: 4.3%FY 2022: 1.3%FY 2023: 1.5%FY 2024: 2.7%FY 2025: 0.9%
FY 2016 5y median 1.5% FY 2025
ROA 0.9%
FY 2016: 0.3%FY 2017: 0.8%FY 2018: 0.6%FY 2019: 0.7%FY 2020: 1.1%FY 2021: 0.7%FY 2022: 0.3%FY 2023: 0.4%FY 2024: 0.5%FY 2025: 0.9%
FY 2016 5y median 0.5% FY 2025

Growth (YoY)

Revenue 14.3%
FY 2016: 36.9%FY 2017: -5.9%FY 2018: 3.8%FY 2019: 35.6%FY 2020: 24.5%FY 2021: -14.5%FY 2022: -6.0%FY 2023: 25.0%FY 2024: 13.4%FY 2025: 14.3%
FY 2016 FY 2025
Operating Income 84.6%
FY 2016: -39.7%FY 2017: 64.4%FY 2018: -0.4%FY 2019: 46.7%FY 2020: 54.3%FY 2021: -31.8%FY 2022: -59.1%FY 2023: 78.7%FY 2024: 52.0%FY 2025: 84.6%
FY 2016 FY 2025
EPS (diluted) 87.3%
FY 2016: -66.7%FY 2017: 156.1%FY 2018: -13.0%FY 2019: 51.2%FY 2020: 53.1%FY 2021: -29.3%FY 2022: -56.7%FY 2023: 60.0%FY 2024: 59.0%FY 2025: 87.3%
FY 2016 FY 2025
Free Cash Flow -100.0%
FY 2016: 0.0%FY 2017: -256.4%FY 2018: 69.8%FY 2019: 161.6%FY 2020: 5.4%FY 2021: 19.4%FY 2022: 208.3%FY 2023: -49.9%FY 2024: 74.1%FY 2025: -100.0%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 0.7×FY 2017: 0.6×FY 2018: 0.3×FY 2019: 0.1×FY 2020: 0.7×FY 2021: 0.1×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.1×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Quick Ratio 0.0×
FY 2016: 0.7×FY 2017: 0.6×FY 2018: 0.3×FY 2019: 0.1×FY 2020: 0.7×FY 2021: 0.1×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.1×FY 2025: 0.0×
FY 2016 5y median 0.0× FY 2025
Debt / Equity 2.5×
FY 2016: 2.4×FY 2017: 2.4×FY 2018: 2.5×FY 2019: 2.0×FY 2020: 1.7×FY 2021: 1.2×FY 2022: 2.3×FY 2023: 3.1×FY 2024: 2.3×FY 2025: 2.5×
FY 2016 5y median 2.3× FY 2025
Net Debt / EBITDA 10.2×
FY 2016: 17.1×FY 2017: 13.0×FY 2018: 18.3×FY 2019: 5.8×FY 2020: 3.1×FY 2021: 4.2×FY 2022: 26.3×FY 2023: 26.0×FY 2024: 13.5×FY 2025: 10.2×
FY 2016 5y median 13.5× FY 2025
Interest Coverage 0.5×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 1.6×FY 2019: 1.0×FY 2020: 1.7×FY 2021: 1.5×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.3×FY 2025: 0.5×
FY 2016 5y median 0.3× FY 2025

Dividends

Dividend Yield 1.5%
FY 2016: 1.9%FY 2017: 2.1%FY 2018: 2.0%FY 2019: 2.5%FY 2020: 2.1%FY 2021: 2.4%FY 2022: 2.3%FY 2023: 2.9%FY 2024: 2.3%FY 2025: 1.5%
FY 2016 5y median 2.3% FY 2025
Payout Ratio 9.3%
FY 2016: 49.0%FY 2017: 21.8%FY 2018: 28.4%FY 2019: 20.3%FY 2020: 13.6%FY 2021: 19.2%FY 2022: 44.1%FY 2023: 26.6%FY 2024: 18.4%FY 2025: 9.3%
FY 2016 5y median 19.2% FY 2025

Annual · latest fiscal year ends 2026-06-30