Cib Marine Bancshares (CIBH) versus The Competition Critical Analysis

Institutional & Insider Ownership

46.6% of shares of all “BANKS – NORTHEAST” companies are held by institutional investors. 10.1% of shares of all “BANKS – NORTHEAST” companies are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Valuation & Earnings

This table compares Cib Marine Bancshares and its peers top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
Cib Marine Bancshares	$60.70 million	N/A	18.72
Cib Marine Bancshares Competitors	$403.68 million	$54.69 million	14.67

Cib Marine Bancshares’ peers have higher revenue and earnings than Cib Marine Bancshares. Cib Marine Bancshares is trading at a higher price-to-earnings ratio than its peers, indicating that it is currently more expensive than other companies in its industry.

Profitability

This table compares Cib Marine Bancshares and its peers’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Cib Marine Bancshares	N/A	N/A	N/A
Cib Marine Bancshares Competitors	13.46%	8.89%	0.93%

Volatility and Risk

Cib Marine Bancshares has a beta of 0.24, suggesting that its stock price is 76% less volatile than the S&P 500. Comparatively, Cib Marine Bancshares’ peers have a beta of 0.51, suggesting that their average stock price is 49% less volatile than the S&P 500.

Summary

Cib Marine Bancshares peers beat Cib Marine Bancshares on 7 of the 8 factors compared.

About Cib Marine Bancshares

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. It provides deposit accounts comprising checking, savings, and time deposits. The company 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, it provides trust services; cash management; repurchase agreements; mortgage; and other banking services. Further, the company 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.