Analyzing Community Investors Bancorp (OTCMKTS:CIBN) and BankUnited (OTCMKTS:BKU)

Community Investors Bancorp (OTCMKTS:CIBN) and BankUnited (NYSE:BKU) are both finance companies, but which is the better stock? We will contrast the two companies based on the strength of their risk, dividends, valuation, institutional ownership, profitability, earnings and analyst recommendations.

Analyst Ratings

This is a breakdown of recent ratings and recommmendations for Community Investors Bancorp and BankUnited, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Community Investors Bancorp 0 0 0 0 N/A
BankUnited 1 5 3 0 2.22

BankUnited has a consensus target price of $37.75, indicating a potential upside of 13.84%. Given BankUnited’s higher possible upside, analysts plainly believe BankUnited is more favorable than Community Investors Bancorp.

Dividends

Community Investors Bancorp pays an annual dividend of $0.36 per share and has a dividend yield of 2.0%. BankUnited pays an annual dividend of $0.84 per share and has a dividend yield of 2.5%. BankUnited pays out 35.6% of its earnings in the form of a dividend.

Institutional & Insider Ownership

97.1% of BankUnited shares are held by institutional investors. 15.8% of Community Investors Bancorp shares are held by insiders. Comparatively, 1.7% of BankUnited shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Risk & Volatility

Community Investors Bancorp has a beta of 0.09, suggesting that its share price is 91% less volatile than the S&P 500. Comparatively, BankUnited has a beta of 1.15, suggesting that its share price is 15% more volatile than the S&P 500.

Profitability

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

Net Margins Return on Equity Return on Assets
Community Investors Bancorp N/A N/A N/A
BankUnited 18.74% 10.21% 0.93%

Valuation & Earnings

This table compares Community Investors Bancorp and BankUnited’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Community Investors Bancorp $7.61 million 1.89 $460,000.00 N/A N/A
BankUnited $1.58 billion 1.99 $324.87 million $2.36 14.05

BankUnited has higher revenue and earnings than Community Investors Bancorp.

Summary

BankUnited beats Community Investors Bancorp on 11 of the 13 factors compared between the two stocks.

Community Investors Bancorp Company Profile

Community Investors Bancorp, Inc. operates as the bank holding company for First Federal Community Bank of Bucyrus that provides personal and commercial banking services in Ohio. It accepts checking and savings accounts, individual retirement accounts, time deposits, and health savings accounts. The company offers consumer loans, including personal, auto, home equity, and home improvement loans; commercial loans, such as real estate, term, business expansion, construction, and SBA loans; and mortgages. It also provides Internet and telephone banking, debit cards, night depositary and shareholder services, merchant services, and financial planning and investment advice services. The company was founded in 1888 and is based in Bucyrus, Ohio.

BankUnited Company Profile

BankUnited, Inc. operates as the bank holding company for BankUnited, National Association that provides a range of banking services to small and medium sized businesses, and individual and corporate customers in the United States. The company offers deposit products, such as checking, money market deposit, savings accounts, and certificates of deposit; and treasury management services. Its loans portfolio includes small business loans, commercial real estate loans, equipment loans and leases, term loans, formula-based loans, municipal and non-profit loans and leases, commercial and residential mortgage warehouse lines of credit, letters of credit, and consumer loans, as well as purchases performing residential loans. The company also offers ATMs, integrated online, mobile, and telephone banking services. As of December 31, 2018, it operated through a network of 85 branches located in 14 Florida counties; and 5 banking centers in the New York metropolitan area. The company was formerly known as BU Financial Corporation. BankUnited, Inc. is headquartered in Miami Lakes, Florida.

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