Community Investors Bancorp (CIBN) Stock Analysis & Winston Score

Community Investors Bancorp is a small regional bank holding company based in the United States. It offers everyday banking services like checking and savings accounts, loans, and mortgages, mainly to individuals and small businesses in its local community. Banks like this one focus on a specific geographic area rather than competing nationally.

The company makes money primarily from the difference between the interest it charges on loans and the interest it pays on deposits, which is called net interest income. It operates in a limited geographic footprint, which keeps it closely tied to the health of its local economy. With a market cap near zero and a low return on invested capital of 0.9%, the bank faces real pressure to grow earnings, and its biggest risk is competition from larger banks and credit unions that can offer lower rates and more digital services.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+16.9% YoY

YoY Growth Rate

Steady revenue growth

EPS Growth

+75.0% YoY

YoY Growth Rate

Strong earnings growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

8.5%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$17M cash & investments

Company generates more cash than it spends — no dilution risk from fundraising

Growth + cash flow

Community Investors Bancorp is a rare growth stock that's already generating positive cash flow while growing at 17%. The Winston Score doesn't fully credit this transition from "burner" to "earner."

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Share count broadly stable

−0.1% over 4y

The share count has stayed roughly flat over this period — little dilution or buyback activity.

Diluted shares outstanding: 795K (2021) → 794K (2025)

Score breakdown

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Quality

Gross Margin

59.5%

Premium pricing power — 59.5% gross margin

Operating Margin

14.3%

Healthy — 14.3% operating margin

ROCE

1.1%

Weak — 1.1% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+6.1%

Slow sales growth (6.1% YoY)

EPS YoY

+65.4%

Earnings growing fast (65.4% YoY)

Earnings growing 25%+ a year. The compounder zone.

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Cash Conversion

0%

Weak — only 0% of profit becomes cash

FCF Margin

0.0%

Thin free cash flow (0.0%)

FCF margin between 0% and 10%. Some cash from sales, but not a lot.

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Stability

Debt / Equity

2.06

Heavy debt load (2.06)

Interest Cover

0.42x

Dangerous — barely covers interest (0.4x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

7.8x

Attractive valuation — P/E 7.8

P/E under 10. The price tag is small relative to last year's profit.

P/E vs Forward

N/A

not available

Data not available

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Dividends

Dividend Yield

1.51%

Small dividend — 1.51% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend Growth

+0.0%

Dividend flat

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