CIBN (Community Investors Bancorp) Margin of Safety % (DCF FCF Based): N/A (As of Sep. 07, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

CIBN Community Investors Bancorp Inc CIBN
49 GF Score
Price $28.15
GF Value $23.11
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Community Investors Bancorp Margin of Safety % (DCF FCF Based)?

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-09-07), Community Investors Bancorp's Predictability Rank is 2-Stars. Community Investors Bancorp's intrinsic value calculated from the Discounted FCF model is $77.09 and current share price is $28.15. Consequently,

Community Investors Bancorp's Margin of Safety % (DCF FCF Based) using Discounted FCF model is N/A.

CIBN vs TVLF, MKIN, LOGN: Margin of Safety % (DCF FCF Based) Comparison

For the Banks - Regional subindustry, Community Investors Bancorp's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) vs Banks Industry

For the Banks industry and Financial Services sector, Community Investors Bancorp's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where Community Investors Bancorp's Margin of Safety % (DCF FCF Based) falls into.


CIBN
49GF Score
Community Investors Bancorp Inc CIBN
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Community Investors Bancorp Margin of Safety % (DCF FCF Based) Calculation

Community Investors Bancorp's Margin of Safety % (DCF FCF Based) for today is calculated as

Margin of Safety % (DCF FCF Based)=(Intrinsic Value: DCF (FCF Based)-Current Price)/Intrinsic Value: DCF (FCF Based)
=(0.00-28.15)/0.00
=N/A

* 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.

The intrinsic value is calculated from the Discounted FCF model with default parameters. The calculation method is the same as Discounted Earnings model except free cash flow are used in the calculation instead of earnings per share.

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 $28.15 is trading 21.8% above its estimated GF Value™ of $23.11. GuruFocus considers Community Investors Bancorp to be Modestly Overvalued.

Key valuation signals for CIBN:

  • Margin of Safety % (DCF FCF Based): N/A
  • GF Value™: $23.11 vs. price of $28.15 (21.8% above fair value)
  • GF Score™: 49/100 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.
49GF Score

Get the complete analysis for CIBN

Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$28.15
Price
$23.11
GF Value