CIB Marine Bancshares (CIBH)
OTHER OTC:CIBH
Want to see CIBH full AI Analyst Report?
CIBH Stock Chart & Stats
$37.50
-$0.04(-0.15%)
At close: 4:00 PM EST
$37.50
-$0.04(-0.15%)
Day’s Range― - ―
52-Week Range$32.00 - $40.86
Previous CloseN/A
Volume1.94K
Average Volume (3M)1.12K
Market Cap
$54.83M
Enterprise Value$106.57M
Total Cash (Recent Filing)$8.10M
Total Debt (Recent Filing)$86.28M
Price to Earnings (P/E)28.4
Beta0.25
Next Earnings
Jul 10, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.18
Shares Outstanding1,356,247
10 Day Avg. Volume417
30 Day Avg. Volume1,124
Financial Highlights & Ratios
PEG Ratio-0.43
Price to Book (P/B)0.61
Price to Sales (P/S)0.99
P/FCF Ratio6.11
Enterprise Value/Market Cap1.94
Enterprise Value/Revenue2.13
Enterprise Value/Gross Profit3.89
Enterprise Value/Ebitda49.94
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Return To Positive Cash GenerationThe rebound to positive operating and free cash flow in 2025 improves the company's ability to self-fund operations and reduces short-term liquidity pressure. Over a multi-month horizon, sustained cash generation supports capital needs, lowers reliance on external funding, and improves resilience versus prior cash burn years.
Sustained Profitability And Recent Revenue GrowthMaintaining profitability across reported years and restoring solid revenue growth in 2025 indicate a durable underlying franchise and demand for core services. Recovered top-line momentum provides a more stable earnings base, aiding longer-term planning even if margins need rebuilding.
Sizable, Relatively Stable Asset Base And Low VolatilityA sizable, stable asset base supports a predictable deposit and loan footprint that underpins recurring income. Low market volatility (beta ~0.3) suggests steadier capital access and less sensitivity to market shocks, helping management execute multi-month funding and balance-sheet strategies.
Bears Say
Sharp Margin Compression In 2025Net margin collapsing from ~16% to ~3% materially reduces core earnings power and suggests sustained pressure on interest spreads or rising costs. If persistent, compressed margins erode the bank's ability to generate surplus for capital and reinvestment, weakening long-term profitability.
Low And Declining ROEROE near 2% indicates poor capital efficiency and low shareholder returns relative to peers. Persistently low ROE constrains internal capital generation, limits dividend or buyback capacity, and forces either slower growth or reliance on external capital, raising structural dilution or funding risk.
Volatile Leverage And Funding ProfileWide swings in debt-to-equity demonstrate an inconsistent funding strategy and potential refinancing or liquidity vulnerability. Elevated leverage in 2025 increases interest and capital strain, raising the chance of funding squeezes and impairing the bank's ability to pursue stable, long-term lending growth.
CIBH FAQ
What was CIB Marine Bancshares’s price range in the past 12 months?
CIB Marine Bancshares lowest stock price was $32.00 and its highest was $40.86 in the past 12 months.
What is CIB Marine Bancshares’s market cap?
CIB Marine Bancshares’s market cap is $54.83M.
When is CIB Marine Bancshares’s upcoming earnings report date?
CIB Marine Bancshares’s upcoming earnings report date is Jul 10, 2026 which is in 19 days.
How were CIB Marine Bancshares’s earnings last quarter?
CIB Marine Bancshares released its earnings results on Apr 14, 2026. The company reported $0.434 earnings per share for the quarter, beating the consensus estimate of N/A by $0.434.
Is CIB Marine Bancshares overvalued?
According to Wall Street analysts CIB Marine Bancshares’s price is currently Overvalued.
Does CIB Marine Bancshares pay dividends?
CIB Marine Bancshares does not currently pay dividends.
What is CIB Marine Bancshares’s EPS estimate?
CIB Marine Bancshares’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does CIB Marine Bancshares have?
CIB Marine Bancshares has 1,356,247 shares outstanding.
What happened to CIB Marine Bancshares’s price movement after its last earnings report?
CIB Marine Bancshares reported an EPS of $0.434 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 0.013%.
Which hedge fund is a major shareholder of CIB Marine Bancshares?
Currently, no hedge funds are holding shares in CIBH
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
CIB Marine Bancshares
CIB Marine Bancshares, Inc. functions as a holding company for CIBM Bank, which offers commercial banking services to a diverse clientele of individuals and businesses across Illinois, Indiana, and Wisconsin. The bank facilitates various deposit accounts, including checking, savings, and certificates of deposit. Its comprehensive lending portfolio includes commercial loans, financing for commercial and residential construction, commercial real estate loans, government-backed loans, mortgages for one-to-four family residences, home equity products, and consumer loans. Additionally, the company provides commercial and standby letters of credit. Beyond traditional banking, it delivers trust services, cash management solutions, repurchase agreements, and mortgage services, while also engaging in securities investments. Originally established in 1985 as Central Illinois Bancorp, Inc., the company rebranded to CIB Marine Bancshares, Inc. in August 1999 and is based in Brookfield, Wisconsin.
Technical Analysis
Ameriserv Financial
―
Optimumbank Holdings
―
BayFirst Financial Corp
―
Texas Community
―
―