CIBN (Community Investors Bancorp) E10: $2.07 (As of Mar. 2026)

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CIBN Community Investors Bancorp Inc CIBN
50 GF Score
Price $27.30
GF Value $21.61
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Community Investors Bancorp E10?

Community Investors Bancorp CIBN 50 E10 is $2.07 as of Mar. 2026. GuruFocus rates CIBN with a GF Score™ of 50/100 and a GF Value™ of $21.61 (Modestly Overvalued). The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Community Investors Bancorp's adjusted earnings per share data for the three months ended in Mar. 2026 was $0.770. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $2.07 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Community Investors Bancorp's average E10 Growth Rate was 21.80% per year. During the past 3 years, the average E10 Growth Rate was 4.70% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Community Investors Bancorp was 4.70% per year. The lowest was 4.70% per year. And the median was 4.70% per year.

As of today (2026-07-21), Community Investors Bancorp's current stock price is $27.30. Community Investors Bancorp's E10 for the quarter that ended in Mar. 2026 was $2.07. Community Investors Bancorp's Shiller PE Ratio of today is 13.19.

During the past 13 years, the highest Shiller PE Ratio of Community Investors Bancorp was 16.26. The lowest was 7.73. And the median was 10.76.


Community Investors Bancorp  (OTCPK:CIBN) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Community Investors Bancorp's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=27.30/2.07
=13.19

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Community Investors Bancorp was 16.26. The lowest was 7.73. And the median was 10.76.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Community Investors Bancorp E10 Related Terms


Community Investors Bancorp E10 Historical Data

* Premium members only.

The historical data trend for Community Investors Bancorp's E10 can be seen below:

* 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 E10 Chart

Community Investors Bancorp Annual Data
Trend Jun01 Jun02 Jun03 Jun04 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 1.55 1.60 1.65 1.78

Community Investors Bancorp Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.70 1.78 1.89 1.99 2.07

CIBN vs GOVB, MKIN, TDCB: E10 Comparison

For the Banks - Regional subindustry, Community Investors Bancorp's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Community Investors Bancorp's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Community Investors Bancorp's Shiller PE Ratio falls into.


CIBN
50GF Score
Community Investors Bancorp Inc CIBN
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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Community Investors Bancorp E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Community Investors Bancorp's adjusted earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.77/330.2130*330.2130
=0.770

Current CPI (Mar. 2026) = 330.2130.

Community Investors Bancorp Quarterly Data

per share eps CPI Adj_EPS
200012 0.240 174.000 0.455
200103 0.240 176.200 0.450
200106 0.290 178.000 0.538
200109 0.240 178.300 0.444
200112 0.290 176.700 0.542
200203 0.290 178.800 0.536
200206 0.270 179.900 0.496
200209 0.270 181.000 0.493
200212 0.270 180.900 0.493
200303 0.230 184.200 0.412
200306 0.240 183.700 0.431
200309 0.220 185.200 0.392
200312 0.170 184.300 0.305
200403 0.170 187.400 0.300
200406 0.220 189.700 0.383
200409 0.190 189.900 0.330
200412 0.200 190.300 0.347
200503 0.210 193.300 0.359
202006 0.000 257.797 0.000
202012 0.870 260.474 1.103
202106 0.000 271.696 0.000
202109 0.830 274.310 0.999
202112 0.530 278.802 0.628
202203 0.270 287.504 0.310
202206 0.450 296.311 0.501
202209 0.330 296.808 0.367
202212 0.380 296.797 0.423
202303 0.240 301.836 0.263
202306 0.360 305.109 0.390
202309 0.360 307.789 0.386
202312 0.390 306.746 0.420
202403 0.180 312.332 0.190
202406 0.500 314.175 0.526
202409 0.420 315.301 0.440
202412 0.510 315.605 0.534
202503 0.440 319.799 0.454
202506 0.930 322.561 0.952
202509 0.920 324.800 0.935
202512 1.350 324.054 1.376
202603 0.770 330.213 0.770

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $2.07 mean?
Community Investors Bancorp (CIBN) has a E10 of $2.07 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Community Investors Bancorp and its competitors.
Is Community Investors Bancorp's E10 too high?
Community Investors Bancorp's current E10 is $2.07. 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 E10 compare to GOVB and MKIN?
Community Investors Bancorp's E10 of $2.07 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Community Investors Bancorp and its competitors. Community Investors Bancorp's current E10 is $2.07. 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 $21.61, compared to a current price of $27.30 — trading 26.3% above its estimated fair value. The current E10 is $2.07. 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 E10 calculated?
E10 is calculated from a company's financial statements. For Community Investors Bancorp (CIBN), the current E10 is $2.07 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 $27.30 is trading 26.3% above its estimated GF Value™ of $21.61. GuruFocus considers Community Investors Bancorp to be Modestly Overvalued.

Key valuation signals for CIBN:

  • E10: $2.07
  • GF Value™: $21.61 vs. price of $27.30 (26.3% above fair value)
  • GF Score™: 50/100 with 4 warning signs

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 Business Description

Address 119 South Sandusky Avenue, P.O. Box 749, Bucyrus, OH, USA, 44820
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.
50GF Score

Get the complete analysis for CIBN

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$27.30
Price
$21.61
GF Value