CIB Marine Bancshares (CIBH) AI Stock Analysis

• Market Cap: $37.94M
• Dividend Yield: N/A
• Average Volume (3M): 590.00
• Price to Earnings (P/E): 8.9
• Beta (1Y): 0.34
• Revenue Growth: 16.52%
• EPS Growth: 599.05%
• Country: US
• Employees: 152
• Sector: Financial
• Sector Strength: 83
• Industry: Banks - Regional
• EPS (TTM): 3.42
• Shares Outstanding: 1,243,101
• 10 Day Avg. Volume: 905
• 30 Day Avg. Volume: 590
• PEG Ratio: 0.01
• Price to Book (P/B): N/A
• Price to Sales (P/S): 1.33
• Price to Cash Flow (P/CF): N/A
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

CIB Marine Bancshares has a moderate overall stock score driven by its solid revenue growth and net profit margin improvement. However, cash flow issues and lack of comprehensive technical indicators constrain its attractiveness. It is undervalued based on its P/E ratio, offering potential for value investors.

CIB Marine Bancshares Business Overview & Revenue Model

Company Description

CIB Marine Bancshares, Inc. (CIBH) is a financial holding company that provides a range of banking and related services through its subsidiary banks. Operating primarily in the Midwest United States, CIB Marine Bancshares offers a variety of products, including personal and business banking services, mortgage lending, and wealth management solutions. The company caters to individuals, small to medium-sized businesses, and commercial clients, focusing on building strong community relationships and providing personalized service.

How the Company Makes Money

CIB Marine Bancshares generates revenue primarily through interest income from its loans and investment securities, as well as non-interest income from service charges, fees, and other banking activities. The company's key revenue streams include interest earned on residential and commercial loans, mortgages, and lines of credit. Additionally, CIB Marine earns fees from transaction services, account maintenance, and wealth management advisory services. The company also benefits from strategic partnerships with other financial institutions and service providers, which enhance its product offerings and expand its customer base. Factors such as interest rate fluctuations, economic conditions, and regulatory changes can significantly impact its earnings.

CIB Marine Bancshares Financial Statement Overview

Summary

CIB Marine Bancshares is navigating a challenging financial landscape, with some strengths in revenue growth and cost management but facing significant hurdles in profitability, leverage, and cash flow management. The high debt levels and low profitability margins are areas of concern, impacting the company's financial stability. The reliance on external financing to manage cash flow could pose risks if market conditions change. Overall, while there are positive aspects, the company needs to improve its financial efficiency and reduce its debt reliance to achieve long-term stability.

Income Statement

The company shows a mixed performance in its income statement. While there is a small increase in total revenue from 2022 to 2023, the gross profit margin is significantly high due to lower costs, indicating efficient cost management. However, the net profit margin is relatively low at 2.89% in 2023, down from 12.68% in 2022, reflecting challenges in converting revenue into profit. The EBIT margin has decreased, and the EBITDA margin is also low, signaling operational inefficiencies.

Balance Sheet

The balance sheet highlights some concerns with leverage and equity. The debt-to-equity ratio is high at 0.95 in 2023, suggesting significant reliance on debt financing, which could pose risks if interest rates rise. Return on equity has dropped to 1.03%, indicating that the company is not effectively generating returns on its equity. The equity ratio is low at 9.46%, pointing to a heavy debt burden relative to the company's assets, which could affect financial stability.

Cash Flow

The cash flow statement reflects volatility, with a negative free cash flow of -$904,000 in 2023, indicating challenges in generating cash from operations. The operating cash flow to net income ratio is negative, highlighting inefficiencies in cash management. However, the financing cash flow is positive, suggesting the company is relying on external financing to cover its cash needs, which may not be sustainable in the long term.

Breakdown
TTM	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
57.84M	30.45M	29.38M	38.33M	43.98M	29.46M
	Gross Profit
53.45M	46.13M	29.38M	38.33M	43.98M	29.46M
	EBIT
6.65M	5.54M	8.43M	9.15M	10.93M	2.47M
	EBITDA
5.64M	3.23M	5.73M	9.75M	13.43M	3.98M
	Net Income Common Stockholders
3.45M	880.00K	3.73M	6.67M	8.18M	2.04M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
54.51M	9.49M	141.96M	163.42M	135.94M	126.94M
	Total Assets
691.72M	899.06M	753.00M	745.39M	750.98M	703.79M
	Total Debt
20.60M	80.48M	124.88M	125.48M	123.54M	127.67M
	Net Debt
-33.92M	70.99M	105.22M	66.30M	93.62M	118.70M
	Total Liabilities
608.25M	813.99M	669.49M	653.61M	647.28M	610.39M
	Stockholders Equity
83.48M	85.08M	83.50M	91.78M	103.70M	93.40M
Cash Flow		Free Cash Flow
500.00K	-904.00K	9.15M	40.45M	-11.20M	-5.55M
	Operating Cash Flow
500.00K	-904.00K	9.67M	40.67M	-10.21M	-4.93M
	Investing Cash Flow
0.00	-151.88M	-61.68M	-1.92M	-2.20M	25.59M
	Financing Cash Flow
0.00	142.61M	12.49M	-9.49M	33.37M	-24.72M

CIB Marine Bancshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 30.52
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CIBH, the sentiment is Positive. The current price of 30.52 is above the 20-day moving average (MA) of 29.09, above the 50-day MA of 30.10, and above the 200-day MA of 25.31, indicating a neutral trend. The MACD of -0.21 indicates Negative momentum. The RSI at 52.47 is Neutral, neither overbought nor oversold. The STOCH value of 73.68 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CIBH.

CIB Marine Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OPHC	77 Outperform	$49.94M	3.20	15.16%	―	63.78%	59.54%
HFBL	74 Outperform	$42.29M	12.50	6.25%	3.80%	1.27%	-27.46%
Sector *	63 Neutral	$12.32B	9.52	7.97%	79.23%	12.77%	-4.57%
CIBH	61 Neutral	$37.94M	8.93	6.79%	―	16.52%	599.05%
ASRV	55 Neutral	$39.98M	10.69	3.36%	5.13%	7.80%	―
KFFB	48 Neutral	$20.86M	―	-2.44%	3.03%	26.21%	-239.03%