Switch to:

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.19
CBIN's Cash to Debt is ranked higher than
55% of the 1566 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. CBIN: 0.19 )
CBIN' s 10-Year Cash to Debt Range
Min: 0.06   Max: No Debt
Current: 0.19

Equity to Asset 0.11
CBIN's Equity to Asset is ranked higher than
78% of the 2010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. CBIN: 0.11 )
CBIN' s 10-Year Equity to Asset Range
Min: 0.06   Max: 0.14
Current: 0.11

0.06
0.14
Interest Coverage 4.59
CBIN's Interest Coverage is ranked higher than
90% of the 1837 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. CBIN: 4.59 )
CBIN' s 10-Year Interest Coverage Range
Min: 0.01   Max: 4.59
Current: 4.59

0.01
4.59
F-Score: 4
Z-Score: 0.21
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 28.07
CBIN's Operating margin (%) is ranked higher than
73% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.33 vs. CBIN: 28.07 )
CBIN' s 10-Year Operating margin (%) Range
Min: -88.61   Max: 45.59
Current: 28.07

-88.61
45.59
Net-margin (%) 23.26
CBIN's Net-margin (%) is ranked higher than
79% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.41 vs. CBIN: 23.26 )
CBIN' s 10-Year Net-margin (%) Range
Min: -72.58   Max: 27.94
Current: 23.26

-72.58
27.94
ROE (%) 9.75
CBIN's ROE (%) is ranked higher than
80% of the 2031 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.59 vs. CBIN: 9.75 )
CBIN' s 10-Year ROE (%) Range
Min: -35.85   Max: 11.35
Current: 9.75

-35.85
11.35
ROA (%) 1.04
CBIN's ROA (%) is ranked higher than
83% of the 2034 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CBIN: 1.04 )
CBIN' s 10-Year ROA (%) Range
Min: -2.59   Max: 1.04
Current: 1.04

-2.59
1.04
ROC (Joel Greenblatt) (%) 48.10
CBIN's ROC (Joel Greenblatt) (%) is ranked higher than
67% of the 2003 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 76.89 vs. CBIN: 48.10 )
CBIN' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -81.77   Max: 128.89
Current: 48.1

-81.77
128.89
Revenue Growth (3Y)(%) 3.60
CBIN's Revenue Growth (3Y)(%) is ranked higher than
82% of the 1740 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. CBIN: 3.60 )
CBIN' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0   Max: 15.4
Current: 3.6

0
15.4
EBITDA Growth (3Y)(%) 2.90
CBIN's EBITDA Growth (3Y)(%) is ranked higher than
69% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. CBIN: 2.90 )
CBIN' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 74.8
Current: 2.9

0
74.8
EPS Growth (3Y)(%) 9.40
CBIN's EPS Growth (3Y)(%) is ranked higher than
76% of the 1547 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. CBIN: 9.40 )
CBIN' s 10-Year EPS Growth (3Y)(%) Range
Min: -43.8   Max: 92.7
Current: 9.4

-43.8
92.7
» CBIN's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Insider Trades

Latest Guru Trades with CBIN

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Guru Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 10.90
CBIN's P/E(ttm) is ranked higher than
89% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. CBIN: 10.90 )
CBIN' s 10-Year P/E(ttm) Range
Min: 4.6   Max: 86.21
Current: 10.9

4.6
86.21
P/B 1.35
CBIN's P/B is ranked higher than
71% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. CBIN: 1.35 )
CBIN' s 10-Year P/B Range
Min: 0.37   Max: 2.01
Current: 1.35

0.37
2.01
P/S 2.44
CBIN's P/S is ranked higher than
84% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. CBIN: 2.44 )
CBIN' s 10-Year P/S Range
Min: 0.7   Max: 6.05
Current: 2.44

0.7
6.05
PFCF 7.56
CBIN's PFCF is ranked higher than
90% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CBIN: 7.56 )
CBIN' s 10-Year PFCF Range
Min: 1.53   Max: 36.67
Current: 7.56

1.53
36.67
EV-to-EBIT 19.58
CBIN's EV-to-EBIT is ranked higher than
71% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.47 vs. CBIN: 19.58 )
CBIN' s 10-Year EV-to-EBIT Range
Min: -382.2   Max: 1472.5
Current: 19.58

-382.2
1472.5
Shiller P/E 80.52
CBIN's Shiller P/E is ranked higher than
76% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CBIN: 80.52 )
CBIN' s 10-Year Shiller P/E Range
Min: 6.8   Max: 636.67
Current: 80.52

6.8
636.67

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.78
CBIN's Dividend Yield is ranked lower than
60% of the 1876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.32 vs. CBIN: 1.78 )
CBIN' s 10-Year Dividend Yield Range
Min: 1.71   Max: 8.91
Current: 1.78

1.71
8.91
Dividend Payout 0.19
CBIN's Dividend Payout is ranked higher than
88% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.61 vs. CBIN: 0.19 )
CBIN' s 10-Year Dividend Payout Range
Min: 0.17   Max: 3.03
Current: 0.19

0.17
3.03
Dividend growth (3y) 2.40
CBIN's Dividend growth (3y) is ranked higher than
72% of the 1127 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.50 vs. CBIN: 2.40 )
CBIN' s 10-Year Dividend growth (3y) Range
Min: -17   Max: 28.6
Current: 2.4

-17
28.6
Yield on cost (5-Year) 2.07
CBIN's Yield on cost (5-Year) is ranked lower than
57% of the 1889 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.53 vs. CBIN: 2.07 )
CBIN' s 10-Year Yield on cost (5-Year) Range
Min: 1.96   Max: 10.23
Current: 2.07

1.96
10.23
Share Buyback Rate -0.50
CBIN's Share Buyback Rate is ranked higher than
81% of the 1472 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. CBIN: -0.50 )
CBIN' s 10-Year Share Buyback Rate Range
Min: 3.2   Max: -9.3
Current: -0.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.37
CBIN's Price/Tangible Book is ranked higher than
76% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.58 vs. CBIN: 1.37 )
CBIN' s 10-Year Price/Tangible Book Range
Min: 0.51   Max: 1.67
Current: 1.37

0.51
1.67
Price/DCF (Projected) 0.58
CBIN's Price/DCF (Projected) is ranked higher than
89% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.09 vs. CBIN: 0.58 )
CBIN' s 10-Year Price/DCF (Projected) Range
Min: 0.2   Max: 0.77
Current: 0.58

0.2
0.77
Price/Median PS Value 1.44
CBIN's Price/Median PS Value is ranked higher than
67% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.21 vs. CBIN: 1.44 )
CBIN' s 10-Year Price/Median PS Value Range
Min: 0.42   Max: 4.06
Current: 1.44

0.42
4.06
Price/Graham Number 0.67
CBIN's Price/Graham Number is ranked higher than
90% of the 2636 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. CBIN: 0.67 )
CBIN' s 10-Year Price/Graham Number Range
Min: 0.27   Max: 1.33
Current: 0.67

0.27
1.33
Earnings Yield (Greenblatt) 5.10
CBIN's Earnings Yield (Greenblatt) is ranked higher than
67% of the 1996 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. CBIN: 5.10 )
CBIN' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.1   Max: 13.4
Current: 5.1

0.1
13.4
Forward Rate of Return (Yacktman) -7.14
CBIN's Forward Rate of Return (Yacktman) is ranked higher than
53% of the 1246 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. CBIN: -7.14 )
CBIN' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 1.1   Max: 28.7
Current: -7.14

1.1
28.7

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Community Bank Shares of Indiana Inc is a bank holding company, incorporated in the State of Indiana. The Company's wholly-owned banking subsidiaries are Your Community Bank (YCB) and The Scott County State Bank (SCSB). The Company offers business and personal banking services through deposit products that include non-interest and interest-bearing checking accounts, ATM's, mobile banking, debit cards, savings accounts, money market accounts, certificates of deposit and individual retirement accounts. The Company's loan products include: secured and unsecured business loans of various terms to local businesses and professional organizations; consumer loans including home equity lines of credit, automobile and recreational vehicles, construction, and loans secured by deposit accounts; and residential real estate loans. In addition, the Company also offers non-deposit investment products such as stocks, bonds, mutual funds, and annuities to customers within its banking market areas through a strategic alliance with Axiom Financial Strategies Group of Wells Fargo Advisors. The Company originates non-real estate related business loans to local businesses and professional organizations. The Company's commercial real estate loans are secured by improved property such as offices, small business facilities, apartment buildings, nursing homes, warehouses and other non-residential buildings, most of which are located in the Company's primary market area and some of which are to be used or occupied by the borrowers. The Company originates one-to-four family, owner-occupied, residential mortgage loans secured by property located in the Company's market area. It originates loans to finance the construction of owner-occupied residential property. The main types of consumer loans offered by the Company are home equity lines of credit, auto loans, home improvement loans, and loans secured by deposit accounts. The Company originates qualified government guaranteed loans and conventional secondary market loans which are generally sold with the servicing released. The Company's primary market areas consist of Floyd, Clark, and Scott counties in Southern Indiana and Fayette, Jefferson and Nelson counties in Kentucky. It competes not only with other commercial banks, but also with savings and loan associations, trust companies and credit unions for deposits and loans, as well as stock brokerage firms, insurance companies, and other entities providing one or more of the services and products offered by the Company. It is subject to regulation by the Federal Reserve Board.
» More Articles for CBIN

Headlines

Articles On GuruFocus.com
Insider Analysis on American and Canadian Banking Sector May 07 2013 
Community Bank Reports Operating Results (10-Q) Nov 15 2010 
Community Bank Reports Operating Results (10-Q) Aug 16 2010 
Community Bank (CBIN) CEO James D Rickard buys 1,000 Shares Feb 04 2010 
Community Bank (CBIN) CEO James D Rickard buys 1,242 Shares Dec 15 2009 
Community Bank (CBIN) CEO James D Rickard buys 1,242 Shares Dec 15 2009 
Community Bank Shares of Indiana, Inc. Reports 2nd Quarter Earnings and 3rd Quarter Dividend Aug 14 2009 
Community Bank Shares of Indiana, Inc. Reports 2nd Quarter Earnings and 3rd Quarter Dividend Aug 14 2009 

More From Other Websites
Nasdaq stocks posting largest volume decreases Dec 19 2014
Community Bank Shares of Indiana, Inc. and First Financial Service Corporation Announce Receipt of... Dec 17 2014
Community Bank Shares of Indiana, Inc. and First Financial Service Corporation Announce Receipt of... Dec 17 2014
COMMUNITY BANK SHARES OF INDIANA INC Files SEC form 8-K, Submission of Matters to a Vote of Security... Dec 17 2014
COMMUNITY BANK SHARES OF INDIANA INC Financials Nov 21 2014
10-Q for Community Bank Shares of Indiana, Inc. Nov 17 2014
COMMUNITY BANK SHARES OF INDIANA INC Files SEC form 10-Q, Quarterly Report Nov 14 2014
Community Bank Shares of Indiana, Inc. Reports 3rd Quarter Net Income Available to Common... Oct 27 2014
Community Bank Shares of Indiana, Inc. Reports 3rd Quarter Net Income Available to Common... Oct 27 2014
COMMUNITY BANK SHARES OF INDIANA INC Files SEC form 8-K, Results of Operations and Financial... Oct 27 2014
COMMUNITY BANK SHARES OF INDIANA INC Files SEC form 8-K, Other Events Sep 22 2014
COMMUNITY BANK SHARES OF INDIANA INC Files SEC form 10-Q, Quarterly Report Aug 14 2014
Community Bank Shares of Indiana, Inc. Reports 2nd Quarter Net Income Available to Common... Jul 30 2014
COMMUNITY BANK SHARES OF INDIANA INC Files SEC form 8-K, Results of Operations and Financial... Jul 30 2014
COMMUNITY BANK SHARES OF INDIANA INC Files SEC form 8-K, Other Events, Financial Statements and... Jul 21 2014
COMMUNITY BANK SHARES OF INDIANA INC Files SEC form 8-K, Submission of Matters to a Vote of Security... May 22 2014
COMMUNITY BANK SHARES OF INDIANA INC Files SEC form 10-Q, Quarterly Report May 15 2014
COMMUNITY BANK SHARES OF INDIANA INC Files SEC form 8-K, Entry into a Material Definitive Agreement,... Apr 22 2014
Community Bank Shares of Indiana, Inc. To Acquire First Financial Service Corporation of... Apr 22 2014
Community Bank Shares: This Regional Bank Is Hiding In Plain Sight Apr 20 2014

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK