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Community Investors BancorpCIBN 50 Debt-to-Equity is 2.06 as of Mar. 2026, which is 9% below its 10-year median of 2.27. GuruFocus rates CIBN with a GF Score™ of 50/100 and a GF Value™ of $21.62 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,422 Banks companies, Community Investors Bancorp ranks worse than 85.65% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Community Investors Bancorp's Debt-to-Equity or its related term are showing as below:
CIBN'
s Debt-to-Equity Range Over the Past 10 Years
Min: 1.22 Med: 2.27 Max: 3.12
Current: 2.06
During the past 13 years, the highest Debt-to-Equity Ratio of Community Investors Bancorp was 3.12. The lowest was 1.22. And the median was 2.27.
CIBN's Debt-to-Equity is ranked worse than 85.65% of 1422
companies
in the Banks industry
Industry Median: 0.575
vs CIBN: 2.06
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Community Investors Bancorp Debt-to-Equity Related Terms
Community Investors Bancorp Debt-to-Equity Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
CIBN vs MCHT, SNNF, UNTN: Debt-to-Equity Comparison
For the Banks - Regional subindustry, Community Investors Bancorp's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Community Investors Bancorp Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Community Investors Bancorp's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Community Investors Bancorp's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Community Investors Bancorp (CIBN) has a Debt-to-Equity of 2.06 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Community Investors Bancorp and its competitors. This is near median its historical median of 2.27. Over the past decade, Community Investors Bancorp's Debt-to-Equity has ranged from 1.22 to 3.12. According to the industry distribution chart, Community Investors Bancorp ranks #1218 out of 1422 companies in the Banks industry, placing it in the top 85.7%.
Is Community Investors Bancorp's Debt-to-Equity too high?
Community Investors Bancorp's current Debt-to-Equity of 2.06 is near median its 10-year median of 2.27. Over the past 10 years, this metric has ranged from a low of 1.22 to a high of 3.12. The Banks industry median Debt-to-Equity is 0.58. Community Investors Bancorp's value of 2.06 is 258.3% above this industry median. Based on the distribution chart, Community Investors Bancorp ranks #1218 out of 1422 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Community Investors Bancorp has a GF Score™ of 50/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Community Investors Bancorp's Debt-to-Equity compare to MCHT and SNNF?
According to the Banks industry distribution chart, Community Investors Bancorp ranks #1218 out of 1422 companies for Debt-to-Equity. This places Community Investors Bancorp in the lower half of its industry. The industry median Debt-to-Equity is 0.58. Community Investors Bancorp's value of 2.06 is 258.3% above this benchmark. Historically, Community Investors Bancorp's own Debt-to-Equity has ranged from 1.22 to 3.12 over the past decade. While the company's 10-year median is 2.27 vs. the industry median of 0.58, Community Investors Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,422 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Community Investors Bancorp's current Debt-to-Equity of 2.06 is 258.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Community Investors Bancorp and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Community Investors Bancorp's current Debt-to-Equity is 2.06, which is near median its own 10-year median of 2.27. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Community Investors Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Community Investors Bancorp (CIBN) is currently considered Modestly Overvalued. The stock's GF Value™ is $21.62, compared to a current price of $28.00 — trading 29.5% above its estimated fair value. The current Debt-to-Equity is 2.06, which is near median its 10-year median of 2.27 and 258.3% above the Banks industry median of 0.58. Community Investors Bancorp's overall GF Score™ is 50/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Community Investors Bancorp (CIBN), the current Debt-to-Equity is 2.06 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Community Investors Bancorp (CIBN) Overvalued in 2026?
Based on GuruFocus' analysis, Community Investors Bancorp stock appears to be overvalued.
The current stock price of $28.00 is trading 29.5% above its estimated GF Value™ of $21.62.
GuruFocus considers Community Investors Bancorp to be Modestly Overvalued.
Key valuation signals for CIBN:
Debt-to-Equity: 2.06 (near median its 10-year median of 2.27)
GF Value™: $21.62 vs. price of $28.00 (29.5% above fair value)
Industry Position: 258.3% above the Banks median (#1218 of 1422)
No single metric tells the full story. See the CIBN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Community Investors Bancorp Inc operates as a bank holding company engages in the provision of personal and commercial banking services in Ohio. Its banking services include personal, business, loan center, checking accounts, and certificates of deposit, and retirement planning.
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