CIB Marine Bancshares, Inc. (CIBH) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
CIB Marine Bancshares, Inc. (CIBH) trades at $46.75 with AI Score 57/100 (Grade B). CIB Marine Bancshares, Inc. Market cap: $63.4M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Mar 16, 2026Analyst Coverage for CIBH: CIBH does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates CIBH against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
CIBH: 1/3 scored disciplines lean bearish. Dominant signal: Seth Klarman bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
CIB Marine Bancshares, Inc. (CIBH) Financial Services Profile
CIB Marine Bancshares, Inc., operating as CIBM Bank, provides commercial banking services across Illinois, Indiana, and Wisconsin. With a $63.4M market cap and a P/E ratio of 32.57, the company focuses on traditional banking products and services, navigating a competitive regional banking landscape.
What Is the Investment Thesis for CIBH?
CIB Marine Bancshares, Inc. presents a focused investment case centered on its regional banking operations in the Midwest. With a market capitalization of $63.4M and a P/E ratio of 32.57, the company's valuation reflects its current profitability and growth expectations. A key value driver is the company's ability to maintain a stable profit margin of 3.2% and a gross margin of 54.7% in a competitive banking environment. Growth catalysts include expanding its loan portfolio and enhancing its trust services to attract and retain customers. However, potential risks include the impact of interest rate fluctuations, regulatory changes, and competition from larger regional and national banks. The company's low beta of 0.25 suggests relatively low volatility compared to the broader market.
Based on FMP financials and quantitative analysis
CIBH Key Highlights
Market capitalization of $63.4M indicates its size relative to competitors in the regional banking sector.
- P/E ratio of 32.57 reflects investor expectations of future earnings growth.
- Profit margin of 3.2% demonstrates its ability to generate profit from its banking operations.
- Gross margin of 54.7% highlights the efficiency of its core banking services.
- Beta of 0.25 suggests lower volatility compared to the overall market, potentially appealing to risk-averse investors.
Who Are CIBH's Competitors?
CIBH is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BAOB The Baraboo Bancorporation, Inc. | $7.09 | +0.00% | $62.6M | 50 |
| CEFC Commercial National Financial Corporation | $15.77 | +0.06% | $62.1M | 50 |
| FFWC FFW Corporation | $53.75 | -1.79% | $58.2M | 45 |
| HFBK Harford Bank | $45.30 | -0.18% | $56.0M | 54 |
| LFGP Ledyard Financial Group, Inc. | $22.25 | -0.22% | $76.7M | 51 |
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CIBH's Key Strengths?
Established presence in Illinois, Indiana, and Wisconsin.
- Comprehensive range of banking products and services.
- Personalized service and local decision-making.
- Experienced management team.
What Are CIBH's Weaknesses?
Small market capitalization compared to larger regional and national banks.
- Limited geographic diversification.
- Dependence on traditional banking activities.
- Lower profit margin compared to some competitors.
What Could Drive CIBH Stock Higher?
Expansion of loan portfolio by targeting specific sectors within its geographic footprint.
- Enhancement of trust services to cater to the growing demand for wealth management and estate planning.
- Investment in digital banking technologies to improve customer experience and streamline operations.
What Are the Key Risks for CIBH?
Financial-distress signal — its Altman Z-Score of -0.11 sits in the distress zone (elevated bankruptcy risk).
- Impact of interest rate fluctuations on profitability.
- Regulatory changes and compliance costs.
- Economic downturns affecting loan demand and credit quality.
- Competition from larger regional and national banks.
- Risks inherent to OTC market trading including liquidity and disclosure.
What Are the Growth Opportunities for CIBH?
- Expansion of Loan Portfolio: CIB Marine Bancshares can focus on expanding its loan portfolio by targeting specific sectors within its geographic footprint, such as small businesses and real estate development. By offering competitive rates and tailored loan products, the company can attract new customers and increase its lending volume. The market for small business loans in the Midwest is estimated to be worth billions of dollars, providing ample opportunity for growth. Timeline: Ongoing.
- Enhancement of Trust Services: CIB Marine Bancshares can enhance its trust services to cater to the growing demand for wealth management and estate planning. By offering comprehensive trust solutions and personalized advice, the company can attract high-net-worth individuals and families. The market for trust services is expected to grow as the population ages and wealth accumulates. Timeline: Ongoing.
- Digital Banking Initiatives: CIB Marine Bancshares can invest in digital banking technologies to improve customer experience and streamline operations. By offering online and mobile banking services, the company can attract younger customers and reduce operational costs. The adoption of digital banking is increasing rapidly, and banks that fail to adapt risk losing market share. Timeline: Ongoing.
- Strategic Acquisitions: CIB Marine Bancshares can pursue strategic acquisitions of smaller banks or financial institutions to expand its geographic footprint and customer base. By acquiring complementary businesses, the company can achieve economies of scale and diversify its revenue streams. The market for bank acquisitions is active, and opportunities may arise as smaller banks struggle to compete. Timeline: Potential.
- Community Engagement: CIB Marine Bancshares can strengthen its ties with the local communities it serves by sponsoring local events, supporting charitable organizations, and offering financial literacy programs. By demonstrating its commitment to the community, the company can enhance its reputation and attract loyal customers. Community engagement is essential for building trust and fostering long-term relationships. Timeline: Ongoing.
What Are CIBH's Competitive Advantages?
- Established presence in local markets in Illinois, Indiana, and Wisconsin.
- Strong relationships with local businesses and communities.
- Personalized service and local decision-making.
- Comprehensive range of banking products and services.
What Does CIBH Do?
Incorporated in 1985 and based in Brookfield, Wisconsin, CIB Marine Bancshares, Inc. has evolved from its original name, Central Illinois Bancorp, Inc., to become a regional player in the banking sector. The company operates primarily through its subsidiary, CIBM Bank, offering a suite of commercial banking services tailored to individual and business customers across Illinois, Indiana, and Wisconsin. These services encompass accepting various deposits, including demand, savings, and time deposits, and providing an array of loan products such as commercial, commercial real estate, construction, government guaranteed, residential real estate, home equity, and consumer loans. CIBM Bank also extends commercial and standby letters of credit and delivers trust services, including cash management, repurchase agreements, and mortgage services. The bank's strategic focus involves balancing traditional banking activities with investments in securities to optimize returns. CIB Marine Bancshares aims to serve the financial needs of its local communities through personalized service and a comprehensive product offering.
What Products and Services Does CIBH Offer?
- Accepts demand, savings, and time deposits from individuals and businesses.
- Offers commercial loans to businesses for various purposes.
- Provides commercial real estate loans for property acquisition and development.
- Offers residential real estate loans for home purchases and refinancing.
- Provides home equity loans and lines of credit to homeowners.
- Offers consumer loans for personal expenses and purchases.
- Provides trust services, including cash management and mortgage services.
- Invests in securities to generate income and manage risk.
How Does CIBH Make Money?
- Generates revenue from interest earned on loans.
- Collects fees for providing various banking services, such as trust services and cash management.
- Invests in securities to generate income.
- Manages expenses to maintain profitability.
What Industry Does CIBH Operate In?
CIB Marine Bancshares, Inc. operates within the regional banking industry, which is characterized by intense competition and evolving customer expectations. The industry is influenced by factors such as interest rate movements, regulatory changes, and technological advancements. Regional banks like CIB Marine Bancshares compete with larger national banks and credit unions for market share. The company's success depends on its ability to provide personalized service, maintain strong customer relationships, and adapt to changing market conditions. The banking sector is also subject to stringent regulatory oversight, which impacts capital requirements and operational practices.
Who Are CIBH's Key Customers?
- Individual customers seeking personal banking services.
- Small businesses requiring commercial loans and banking solutions.
- Commercial real estate developers seeking financing for projects.
- High-net-worth individuals seeking trust and wealth management services.
Company Profile
CIB Marine Bancshares, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Brookfield, US. The company is led by CEO J. Brian Chaffin. CIBH has traded publicly since 2010.
Key Financial Metrics
Return on equity for CIB Marine Bancshares, Inc. stands at 2.3%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.2%, showing how much profit it generates from its asset base. CIBH trades at a trailing price-to-earnings ratio of 28.10, above the Financial Services sector average of ~18x. Its free cash flow yield is 15.3%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.24 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 3.6%, the inverse of the P/E and a quick read on earnings relative to price.
CIBH Valuation & Market Position
With a $63.4M market cap, CIB Marine Bancshares, Inc. sits in the micro-cap segment of the market. Relative to its peer group, CIBH's quantitative score of 57/100 is roughly in line with the peer average of 50/100.
Quarterly Financial Performance: CIB Marine Bancshares, Inc.
Revenue for CIB Marine Bancshares, Inc. came in at $12.1M during Q2 2026, a 2.7% improvement versus the preceding quarter. The company recorded net income of $915K, with diluted EPS of $0.68. Quarter-over-quarter revenue has been mixed, typical for a micro-cap company operating in Financial Services. Across the four most recent quarters, CIBH averaged $0.38 in diluted EPS.
Financial Health
CIB Marine Bancshares, Inc.'s Piotroski F-Score is 8/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of -0.11 places it in the distress zone, a signal of elevated financial risk.
CIBH Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Established presence in Illinois, Indiana, and Wisconsin.
- Comprehensive range of banking products and services.
- Personalized service and local decision-making.
- Experienced management team.
Bear Case
- Small market capitalization compared to larger regional and national banks.
- Limited geographic diversification.
- Dependence on traditional banking activities.
- Lower profit margin compared to some competitors.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $12M | $915,000 | $0.68 |
| Q1 2026 | $12M | $586,000 | $0.43 |
| Q4 2025 | $12M | -$317,000 | -$0.24 |
| Q3 2025 | $13M | $908,000 | $0.65 |
Based on FMP financials and quantitative analysis
CIBH Latest News
No recent news available for CIBH.
CIBH Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CIBH.
Price Targets
Wall Street price target analysis for CIBH.
CIBH MoonshotScore
What does this score mean?
The MoonshotScore rates CIBH 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: J. Brian Chaffin
Unknown
Information regarding J. Brian Chaffin's background, career history, education, and previous roles is not available in the provided data. Therefore, a detailed biography cannot be constructed.
Track Record: Information regarding J. Brian Chaffin's key achievements, strategic decisions, and company milestones under their leadership is not available in the provided data. Therefore, a detailed track record cannot be provided.
CIBH OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, encompassing securities that are not eligible for or do not meet the requirements of the OTCQX or OTCQB tiers. Companies in this tier may have limited financial disclosure, and there is no minimum financial standard required. These securities are often speculative and carry a higher degree of risk compared to those listed on major exchanges like the NYSE or NASDAQ due to less stringent listing requirements and oversight.
- OTC Tier: OTC Other
- Limited financial disclosure increases information asymmetry.
- Low trading volume and wide bid-ask spreads can lead to price volatility.
- Higher risk of fraud or manipulation due to less regulatory oversight.
- Potential for delisting or suspension of trading.
- Limited access to company information and management.
- Verify the company's registration and regulatory filings.
- Review available financial statements and disclosures.
- Assess the company's business model and competitive landscape.
- Evaluate the management team and their track record.
- Understand the risks associated with investing in OTC securities.
- Monitor trading volume and price activity.
- Consult with a financial advisor.
- Longevity of operations since incorporation in 1985.
- Operation of a regulated banking subsidiary, CIBM Bank.
- Physical headquarters in Brookfield, Wisconsin.
- Employment of 152 people.
CIBH Financial Services Stock FAQ
What does the AI Score mean for CIBH?
CIBH holds an AI Score of 57/100 (Grade: B). This is an educational research signal, not a buy or sell recommendation. CIB Marine Bancshares, Inc. is a bank holding company operating primarily through its subsidiary, CIBM Bank, offering commercial banking services in Illinois, Indiana, and Wisconsin. The company …
What does CIB Marine Bancshares, Inc. do?
CIB Marine Bancshares, Inc. functions as the holding company for CIBM Bank, a regional bank providing commercial banking services to individuals and businesses in Illinois, Indiana, and Wisconsin. The bank offers a range of deposit accounts, loan products including commercial, real estate, and consumer loans, and trust services such as cash management and mortgage services.
What are the main risks for CIBH?
CIB Marine Bancshares, Inc. faces several risks inherent to the banking industry and its OTC listing. Interest rate fluctuations can impact profitability, while regulatory changes and compliance costs can increase expenses. Economic downturns may reduce loan demand and increase credit risk. Competition from larger banks poses a constant threat. As an OTC-listed company, CIBH faces additional risks related to liquidity, disclosure requirements, and potential delisting, requiring careful monitoring by investors.
What are the key factors to evaluate for CIBH?
CIB Marine Bancshares, Inc. (CIBH) holds an AI score of 57/100 (moderate). presents a focused investment case centered on its regional banking operations in the Midwest. Not financial advice.
How frequently does CIBH data refresh on this page?
CIBH's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven CIBH's recent stock price performance?
CIB Marine Bancshares, Inc. (CIBH) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established presence in Illinois, Indiana, and Wisconsin. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider CIBH overvalued or undervalued right now?
CIB Marine Bancshares, Inc. (CIBH) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research CIBH before investing?
Before investing in CIB Marine Bancshares, Inc. (CIBH), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding CIBH to a portfolio?
Key strength of CIB Marine Bancshares, Inc. (CIBH): Established presence in Illinois, Indiana, and Wisconsin. Weigh rewards against risks and diversify. Not financial advice.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Limited information available for CEO background and track record.
- AI analysis pending for further insights.