Community Investors Bancorp (OTCMKTS:CIBN) vs. AMB Financial (OTCMKTS:AMFC) Financial Analysis

Profitability

This table compares Community Investors Bancorp and AMB Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Community Investors Bancorp	14.51%	N/A	N/A
AMB Financial	N/A	N/A	N/A

Insider & Institutional Ownership

1.2% of AMB Financial shares are owned by institutional investors. 15.8% of Community Investors Bancorp shares are owned by insiders. Comparatively, 37.7% of AMB Financial shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Valuation & Earnings

This table compares Community Investors Bancorp and AMB Financial”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Community Investors Bancorp	$19.58 million	1.01	$1.82 million	$3.97	6.29
AMB Financial	$23.37 million	1.31	$3.42 million	N/A	N/A

AMB Financial has higher revenue and earnings than Community Investors Bancorp.

Risk and Volatility

Community Investors Bancorp has a beta of 0.04, indicating that its share price is 96% less volatile than the S&P 500. Comparatively, AMB Financial has a beta of 0.15, indicating that its share price is 85% less volatile than the S&P 500.

Dividends

Community Investors Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 1.6%. AMB Financial pays an annual dividend of $0.28 per share and has a dividend yield of 0.8%. Community Investors Bancorp pays out 10.1% of its earnings in the form of a dividend.

Summary

AMB Financial beats Community Investors Bancorp on 7 of the 9 factors compared between the two stocks.

About Community Investors Bancorp

Community Investors Bancorp, Inc. operates as a thrift holding company for First Federal Community Bank of Bucyrus that engages in the provision of banking and financial services to individual and corporate customers in northern Ohio. The company offers deposit accounts, including demand, NOW, checking, savings, money market, Christmas club, health savings, certificates of deposit, time deposit, and individual retirement accounts. It also provides consumer loans, home equity loans, home equity line of credit, auto and RV loans, residential real estate loans, mortgage loans, and construction loans for personal use; and business loans, lines of credit, term loans, ag loans, nonresidential real estate loans, secured loans, credit cards, commercial investment real estate, construction loans, and equipment financing for business use. In addition, the company offers online and mobile banking, bill payments, e-statements, remote deposit capture, cash management, mobile and night deposits, debit cards, overdraft protection, safety deposit boxes, telephone banking, positive pay/check reconciliation, direct deposit, and ACH and payroll services. Community Investors Bancorp, Inc. was founded in 1888 and is based in Bucyrus, Ohio.

About AMB Financial

AMB Financial Corp. operates as the bank holding company for American Community Bank of Indiana that provides financial services to customers in Indiana. The company provides savings, checking, health savings, individual retirement, and money market deposit accounts, as well as certificates of deposit. It offers business checking accounts, business debit and credit cards, and order business checks. In addition, the company offers mortgage loans, home equity loans, construction/lot loans, community loans, vehicle loans, and loan servicing; and commercial loans, commercial real estate loans, and SBA loans. Further, it provides merchant, remote deposit, wire services, fraud protection, and ACH origination; sweep services, zero balance accounts, lockbox services, vault services, and wealth management services; online, mobile, voice, and banking services; money order and e-statement services; cashier’s checks; and safe deposit boxes. The company was founded in 1910 and is headquartered in Saint John, Indiana.