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Community Investors BancorpCIBN 50 Net Margin % is 18.92% as of Mar. 2026, which is 32% above its 10-year median of 14.30. 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. Among 1,525 Banks companies, Community Investors Bancorp ranks worse than 62.1% on this metric.
The historical rank and industry rank for Community Investors Bancorp's Net Margin % or its related term are showing as below:
CIBN'
s Net Margin % Range Over the Past 10 Years
Min: 6.91 Med: 14.3 Max: 29.4
Current: 23.31
CIBN's Net Margin % is ranked worse than 62.1% of 1525
companies
in the Banks industry
Industry Median: 27.05
vs CIBN: 23.31
Community Investors Bancorp (OTCPK:CIBN) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Community Investors Bancorp Net Margin % Related Terms
Community Investors Bancorp Net Margin % 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.
For the Banks - Regional subindustry, Community Investors Bancorp's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Community Investors Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Community Investors Bancorp's Net Margin % 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 Net Margin % of 18.92% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Community Investors Bancorp and its competitors. This is 32% above median its historical median of 14.30. Over the past decade, Community Investors Bancorp's Net Margin % has ranged from 6.91 to 29.40. According to the industry distribution chart, Community Investors Bancorp ranks #947 out of 1525 companies in the Banks industry, placing it in the top 62.1%.
Is Community Investors Bancorp's Net Margin % too high?
Community Investors Bancorp's current Net Margin % of 18.92% is 32% above median its 10-year median of 14.30. Over the past 10 years, this metric has ranged from a low of 6.91 to a high of 29.40. The Banks industry median Net Margin % is 27.05. Community Investors Bancorp's value of 18.92% is 30.1% below this industry median. Based on the distribution chart, Community Investors Bancorp ranks #947 out of 1525 companies in the Banks industry, which is below the industry midpoint. 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 Net Margin % compare to GOVB and MKIN?
According to the Banks industry distribution chart, Community Investors Bancorp ranks #947 out of 1525 companies for Net Margin %. This places Community Investors Bancorp in the lower half of its industry. The industry median Net Margin % is 27.05. Community Investors Bancorp's value of 18.92% is 30.1% below this benchmark. Historically, Community Investors Bancorp's own Net Margin % has ranged from 6.91 to 29.40 over the past decade. While the company's 10-year median is 14.30 vs. the industry median of 27.05, Community Investors Bancorp has consistently been below 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.05, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Community Investors Bancorp's current Net Margin % of 18.92% is 30.1% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Community Investors Bancorp and its competitors. For the Banks industry, the median Net Margin % is 27.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Community Investors Bancorp's current Net Margin % is 18.92%, which is 32% above median its own 10-year median of 14.30. 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 Net Margin % is 18.92%, which is 32% above median its 10-year median of 14.30 and 30.1% below the Banks industry median of 27.05. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Community Investors Bancorp (CIBN), the current Net Margin % is 18.92% 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:
Net Margin %: 18.92% (32% above median its 10-year median of 14.30)
GF Value™: $21.61 vs. price of $27.30 (26.3% above fair value)
Industry Position: 30.1% below the Banks median (#947 of 1525)
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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