CIB Marine Bancshares Inc (CIBH)

Featured in Undervalued Banks/Financial Stocks

CIB Marine Bancshares, Inc. (OTC: CIBH) is a common stock listing tied to a bank holding company and its subsidiary, CIBM Bank. Through the bank, the company serves individual and business customers in Illinois, Indiana, and Wisconsin with a range of commercial banking services. Its offerings include deposit products such as checking, savings, and time deposits, along with lending for commercial, commercial real estate, construction, government guaranteed, residential real estate, home equity, and consumer purposes. The company also provides commercial and standby letters of credit, trust services, cash management, repurchase agreements, and other banking-related services. In addition, it maintains an investment in securities. Founded in 1985 and based in Brookfield, Wisconsin, the company was previously known as Central Illinois Bancorp, Inc. before adopting its current name in August 1999.

Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Market Outlook FAQ

Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.

Ticker	Fair Value	Fair Value Upside/Downside	Fair Value Rating	Analyst Price Target	Analyst Target Upside/Downside	Overall Financial Health	Dividend Yield	Next Earnings Date	P/E Ratio	Price-to-Book Ratio	Price-to-Sales Ratio	Market Cap	Total Debt / Total Capital	Altman Z-Score
OTC-CIBH	$34.33	-23.3% Downside	Overvalued	Not available	Not available	Fair	0.0%	October 14, 2026	28.2x	0.7x	2.1x	59.054 M	57.3%	-2.6

Smart Snapshot

Stock Overview

A fast read of the company and market metrics currently supported by the latest data.

Company Profile

Sector

Financials

Index Membership

Strong Buy

Valuation Snapshot

Fair Value

$34.33

Valuation Gap

-23.3% Downside

Quality & Risk

Financial Health

Fair

Piotroski Score

0 K

Altman Z-Score

-2.6

Upcoming Events

Next Earnings Date

October 14, 2026

Days to Earnings

Strong Buy

Valuation • Fair Value

CIB Marine Bancshares Inc (OTC-CIBH) Fair Value by Valuation Model

Review the available estimates for CIB Marine Bancshares Inc (OTC-CIBH), including Ben Graham Formula Value.

Primary Valuation Read

Fair Value

$34.33

Estimated downside of 23.3% versus the current market price.

Ben Graham Formula Value

Classic Ben Graham valuation formula reference.

Analyst Price Target

Not available

Data is currently unavailable.

How to read these valuation models

Use the 2 available valuation references for CIB Marine Bancshares Inc (OTC-CIBH) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for CIB Marine Bancshares Inc (OTC-CIBH)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

Strong Buy

Current operating scale indicator.

Revenue Forecast

Strong Buy

Forward revenue estimate.

EBITDA

Banks

Current operating profitability reference.

How to read profitability and growth

This section helps investors review CIB Marine Bancshares Inc (OTC-CIBH) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for CIB Marine Bancshares Inc (OTC-CIBH)

Review the financial quality and risk indicators currently supported by the latest data.

Financial Health

Fair

Mixed or neutral financial-health read.

Piotroski Score

0 K

Weak quality score that deserves closer review.

Altman Z-Score

-2.6

Lower score that deserves closer risk review.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for CIB Marine Bancshares Inc (OTC-CIBH). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for CIB Marine Bancshares Inc (OTC-CIBH)

Track the upcoming dates and dividend metrics currently supported by the latest data.

Next Earnings Date

October 14, 2026

Days to Earnings

Strong Buy

Dividend Yield

0.0%

No current dividend yield is indicated.

How to read events and dividends

This section helps investors track time-sensitive items for CIB Marine Bancshares Inc (OTC-CIBH), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Analyst Outlook

Analyst Consensus for CIB Marine Bancshares Inc (OTC-CIBH)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Analyst Consensus for CIB Marine Bancshares Inc (OTC-CIBH)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy

Consolidated analyst recommendation mix

Hold

Based on the available recommendation mix, CIB Marine Bancshares Inc (OTC-CIBH) has a Hold consensus, with 0 buy, 2 hold and 0 sell recommendations in the current data set.

Buy 0

Hold 2

Sell 0

FAQ • Fast Investor Answers

CIB Marine Bancshares Inc (OTC-CIBH) Stock FAQ

Data-supported answers about CIB Marine Bancshares Inc (OTC-CIBH), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value

$34.33

Estimated downside 23.3%

Valuation Rating

Overvalued

Estimated downside of 23.3%

Financial Health

Fair

Current financial-health read

The current fair value estimate for CIB Marine Bancshares Inc (OTC-CIBH) is $34.33. This implies an estimated downside of 23.3% versus the current market price.

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 23.3% versus the current market price.

The current financial health read for CIB Marine Bancshares Inc (OTC-CIBH) is Fair. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for CIB Marine Bancshares Inc (OTC-CIBH) is October 14, 2026.

The latest available data indicates no current dividend yield for CIB Marine Bancshares Inc (OTC-CIBH).

The current P/E ratio listed for CIB Marine Bancshares Inc (OTC-CIBH) is 28.2x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for CIB Marine Bancshares Inc is 59.054 M.

The ticker symbol for CIB Marine Bancshares Inc is OTC-CIBH, and the stock is listed on OTC Markets.

CIB Marine Bancshares Inc (OTC-CIBH) is listed on OTC Markets.

The current debt-to-total-capital ratio listed for CIB Marine Bancshares Inc is 57.3%, which helps investors evaluate the company’s financing structure and leverage profile.