CIB Marine Bancshares (CIBH) AI Stock Analysis

• Market Cap: $48.49M
• Dividend Yield: N/A
• Average Volume (3M): 888.00
• Price to Earnings (P/E): 18.8
• Beta (1Y): 0.25
• Revenue Growth: -15.51%
• EPS Growth: -34.21%
• Country: US
• Employees: 152
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.65
• Shares Outstanding: 1,356,247
• 10 Day Avg. Volume: 2,232
• 30 Day Avg. Volume: 888
• PEG Ratio: 0.01
• Price to Book (P/B): 0.56
• Price to Sales (P/S): 1.26
• P/FCF Ratio: -15.24
• Enterprise Value/Market Cap: 1.47
• Enterprise Value/Revenue: 1.49
• Enterprise Value/Gross Profit: 2.38
• Enterprise Value/Ebitda: 21.47
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 60 Neutral
• Price Target: $37.00 ▲(5.71% Upside)

CIB Marine Bancshares scores a 60, reflecting moderate financial performance with strong revenue growth but cash flow challenges. Technical indicators show a neutral trend, and the valuation is reasonable. The lack of earnings call data and corporate events limits additional insights.

CIB Marine Bancshares Business Overview & Revenue Model

Company Description

CIB Marine Bancshares (CIBH) is a financial holding company based in the United States that primarily operates through its banking subsidiary, CIB Marine Bank. The company provides a range of financial services, including personal and commercial banking, mortgage lending, and wealth management. CIB Marine Bancshares focuses on serving its local communities with tailored financial solutions, emphasizing customer service and community engagement.

How the Company Makes Money

CIB Marine Bancshares generates revenue primarily through interest income from loans, which include commercial, consumer, and mortgage loans. The company also earns non-interest income from various fees associated with account maintenance, transaction services, and wealth management services. Additionally, CIB Marine may benefit from strategic partnerships with other financial institutions or local businesses that enhance its service offerings and customer base. Factors such as interest rate fluctuations, loan demand, and economic conditions significantly influence its earnings.

CIB Marine Bancshares Financial Statement Overview

Summary

CIB Marine Bancshares shows moderate financial performance with strong revenue growth and improved profitability. However, cash flow issues and fluctuating financial metrics pose risks. The company needs to stabilize operations and enhance cash flow management.

Income Statement

CIB Marine Bancshares shows a moderate performance in its income statement. The company has a healthy gross profit margin, maintaining 100% due to its nature as a financial institution. Net profit margin improved to 15.8% in 2024 from 2.9% in 2023, indicating enhanced profitability. Revenue growth rate is 13.5% from 2023 to 2024, showing positive revenue trajectory. However, the lack of EBITDA data for 2024 and fluctuating EBIT margins indicate some operational inconsistencies.

Balance Sheet

The balance sheet of CIB Marine Bancshares reveals mixed stability. The debt-to-equity ratio improved significantly from 0.94 in 2023 to 0.13 in 2024, suggesting better leverage management. Return on equity increased to 7% in 2024 from 1% in 2023, reflecting better utilization of shareholders' equity. However, the equity ratio dropped to 9% in 2024 from 9.5% in 2023, indicating lower equity proportion relative to total assets.

Cash Flow

CIB Marine Bancshares faces challenges in its cash flow. The operating cash flow to net income ratio is negative, indicating cash flow issues despite profitability. Free cash flow remained negative, although there is a slight improvement in free cash flow growth. The company needs to improve its cash flow management to ensure sustainable financial health.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	47.64M	34.46M	47.97M	30.28M	40.13M	42.93M
Gross Profit	29.82M	34.46M	30.45M	30.28M	39.53M	42.93M
EBITDA	3.31M	2.33M	3.23M	5.73M	9.75M	13.36M
Net Income	2.47M	5.44M	880.00K	3.73M	6.67M	8.18M
Balance Sheet
Total Assets	838.44M	866.47M	899.89M	753.00M	745.39M	750.98M
Cash, Cash Equivalents and Short-Term Investments	137.16M	6.75M	9.49M	141.96M	163.42M	135.94M
Total Debt	49.51M	9.76M	80.48M	36.63M	125.48M	54.16M
Total Liabilities	757.95M	788.51M	814.81M	669.49M	653.61M	647.28M
Stockholders Equity	80.49M	77.96M	85.08M	83.50M	91.78M	103.70M
Cash Flow
Free Cash Flow	0.00	-2.84M	-904.00K	9.15M	40.45M	-11.20M
Operating Cash Flow	0.00	-2.37M	-904.00K	9.67M	40.67M	-10.21M
Investing Cash Flow	0.00	43.57M	-151.88M	-61.68M	-1.92M	-2.20M
Financing Cash Flow	0.00	-43.94M	142.61M	12.49M	-9.49M	33.37M

CIB Marine Bancshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 35.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• 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 35 is below the 20-day moving average (MA) of 35.48, below the 50-day MA of 35.61, and above the 200-day MA of 33.39, indicating a bullish trend. The MACD of -0.10 indicates Positive momentum. The RSI at 52.18 is Neutral, neither overbought nor oversold. The STOCH value of 45.20 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	74 Outperform	$47.30M	3.13	15.03%	―	14.91%	0.81%
ASRV	68 Neutral	$51.21M	10.12	4.54%	3.86%	6.89%	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CIBH	60 Neutral	$48.49M	18.84	2.64%	―	-15.51%	-34.21%
TCBS	57 Neutral	$46.37M	18.71	4.74%	1.01%	12.12%	―
BAFN	54 Neutral	$35.76M	-2.78	-11.14%	3.88%	1.41%	-508.14%