CIB Marine Bancshares (CIBH)
OTHER OTC:CIBH
Want to see CIBH full AI Analyst Report?
Top Page
CIB Marine Bancshares
(OTC:CIBH)
Select Model
Select Model
Rating:46Neutral
Price Target:
$38.00
▲(1.33% Upside)
Action:Reiterated
Date:03/24/26
The score is held down primarily by below-average financial performance: sharply weaker 2025 profitability, low ROE, and historically volatile cash generation and leverage. Technicals are neutral with modest longer-term support but limited momentum, while valuation (high P/E and no dividend yield provided) offers limited cushion.
Positive Factors
Return to positive cash generation
The 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.
Negative Factors
Sharp margin compression in 2025
Net 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Return to positive cash generation
The 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.
Read all positive factors
CIB Marine Bancshares (CIBH) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$54.83M
Dividend YieldN/A
Average Volume (3M)1.12K
Price to Earnings (P/E)28.4
Beta (1Y)0.25
Revenue Growth-19.15%
EPS Growth-68.77%
CountryUS
Employees152
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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
CIB Marine Bancshares Business Overview & Revenue Model
Company Description
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 a...
CIB Marine Bancshares Financial Statement Overview
Summary
Income Statement
46
Neutral
Balance Sheet
41
Neutral
Cash Flow
38
Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 50.07M | 34.46M | 47.97M | 32.80M | 40.13M |
| Gross Profit | 27.40M | 34.46M | 30.45M | 30.28M | 39.53M |
| EBITDA | 2.29M | 3.08M | 3.14M | 5.80M | 9.75M |
| Net Income | 1.58M | 5.44M | 880.00K | 3.73M | 6.67M |
Balance Sheet | |||||
| Total Assets | 833.30M | 866.47M | 899.89M | 753.00M | 745.39M |
| Cash, Cash Equivalents and Short-Term Investments | 8.10M | 6.75M | 9.49M | 141.96M | 163.42M |
| Total Debt | 86.28M | 9.76M | 80.48M | 149.67M | 125.48M |
| Total Liabilities | 751.89M | 788.51M | 814.81M | 669.49M | 653.61M |
| Stockholders Equity | 81.41M | 77.96M | 85.08M | 83.50M | 91.78M |
Cash Flow | |||||
| Free Cash Flow | 8.12M | -2.84M | -904.00K | 9.15M | 40.45M |
| Operating Cash Flow | 8.58M | -2.37M | -904.00K | 9.67M | 40.67M |
| Investing Cash Flow | 29.83M | 43.57M | -151.88M | -61.68M | -1.92M |
| Financing Cash Flow | -37.05M | -43.94M | 142.61M | 12.49M | -9.49M |
CIB Marine Bancshares Technical Analysis
Positive
37.50
Price Trends
39.39
Positive
38.97
Positive
37.66
Positive
Market Momentum
0.24
Negative
60.28
Neutral
54.91
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CIBH, the sentiment is Positive. The current price of 37.5 is below the 20-day moving average (MA) of 39.66, below the 50-day MA of 39.39, and below the 200-day MA of 37.66, indicating a bullish trend. The MACD of 0.24 indicates Negative momentum. The RSI at 60.28 is Neutral, neither overbought nor oversold. The STOCH value of 54.91 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CIBH.
CIB Marine Bancshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | $71.77M | 4.01 | 14.63% | ― | 15.64% | 5.72% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
61 Neutral | $65.99M | 11.98 | 4.72% | 3.87% | 4.99% | 50.85% | |
58 Neutral | $51.30M | 16.91 | 5.34% | 1.10% | 3.83% | 59.54% | |
55 Neutral | $20.37M | -0.72 | -23.19% | 4.10% | -18.73% | -401.58% | |
46 Neutral | $54.83M | 28.45 | 1.96% | ― | -19.15% | -68.77% |
* Financial Sector Average
CIBH
CIB Marine Bancshares
40.43
7.45
22.59%
ASRV
Ameriserv Financial
3.89
1.01
35.02%
OPHC
Optimumbank Holdings
5.85
1.48
33.87%
BAFN
BayFirst Financial Corp
4.96
-8.99
-64.44%
TCBS
Texas Community
17.78
1.96
12.35%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.