Stock fact sheet · data as of
CIB Marine Bancshares, Inc. (CIBH): fair value, margin of safety and Wheel Score
Financial Services · Banks - Regional · United States · Blend
Is CIBH undervalued?
CIB Marine Bancshares, Inc. (CIBH) closed at 39.00 on 16 Oct 2026. The GLS average fair value - the simple average of the 7 valuation models that produced a positive number - is 44.58, so the price sits 13% below it. 3 of the 7 models value the shares above the current price. A margin of safety between 10% and 30% is where most of the Sunday Scan candidates come from.
The 7 models disagree widely: GLS Growth gives 4.65 while 10 Cap gives 134.79. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
The nightly engine files CIBH under Blend.
Nine valuation models for CIBH
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | - | - | Present value of the projected free cash flows, discounted at the cost of capital; no value tonight |
| Graham Number | 46.94 | +20% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 25.62 | -34% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 6.35 | -84% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 4.65 | -88% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 134.79 | +246% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 76.08 | +95% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | 17.64 | -55% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -544.59 | -1496% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
On financial health CIBH scores 8/9 (Piotroski): most of the nine tests - positive earnings and cash flow, falling debt, rising margins and turnover - are passed, which is the kind of balance sheet a wheel trader is happy to be assigned. The GLS Moat score is low at 2.5 out of 10, which says the ten-year record of revenue, earnings, margins and returns on capital has been inconsistent - growth and shocks rather than steady compounding.
Returns on capital are thin or negative - ROIC 0.9%, ROE 1.9%, ROA 0.2% - with debt at 1.06 times equity and a free-cash-flow yield of 15.3%.
CIB Marine Bancshares, Inc. pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 8 / 9 | ROIC | 0.9% |
|---|---|---|---|
| GLS Moat | 2.5 / 10 | ROE | 1.9% |
| Debt / equity | 1.06 | ROA | 0.2% |
| Free-cash-flow yield | 15.3% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 39: No options
CIBH has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business; the Wheel Score is capped at 39 and shown as "No options" (39 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 2k shares a day on a market cap of $53M, with a beta of 0.23 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 18 / 25 | 13% margin of safety | |
| Health | 18 / 20 | Piotroski 8/9 | |
| Moat | 4 / 15 | moat 2.5/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 2k shares/day, $53M cap, beta 0.23 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for CIBH in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to CIB Marine Bancshares, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| GVYB Golden Valley Bancshares, Inc. | 24.00 | 27.98 | +14% | 39No options | $53M |
| ESBS ES Bancshares, Inc. | 7.60 | 9.26 | +18% | 39No options | $52M |
| FGFI First Greenwich Financial, Inc. | 20.00 | 17.82 | -12% | 20No options | $54M |
| WDFN Woodlands Financial Services Company | 38.50 | 49.75 | +23% | 39No options | $54M |
| ADKT The Adirondack Trust Company | 650.25 | 4,296.67 | +85% | 39No options | $52M |
| TBBC Triad Business Bank | 6.42 | 7.60 | +16% | 39No options | $52M |
| BBBK Baker Boyer Bancorp | 41.14 | 64.41 | +36% | 39No options | $54M |
| WSSH West Shore Bank Corp. | 44.67 | 132.73 | +66% | 39No options | $55M |
| KEFI Keweenaw Financial Corporation | 48.00 | 79.33 | +39% | 38No options | $55M |
| FSBH FSBH Corp. | 16.95 | 11.07 | -53% | 16No options | $51M |
| SSBP SSB Bancorp, Inc. | 25.20 | 59.62 | +58% | 39No options | $55M |
| INFT Infinity Bancorp | 17.90 | 53.82 | +67% | 39No options | $56M |
⚖ Compare CIBH with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about CIBH
Is CIBH undervalued right now?
By the GLS models, moderately: at 39.00 the stock trades 13% below the average fair value of 44.58 (data as of 16 Oct 2026).
What is the Wheel Score of CIBH and what does it mean?
CIBH has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for CIBH?
44.58 per share as of 16 Oct 2026 - the simple average of the 7 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does CIB Marine Bancshares, Inc. report earnings next?
No upcoming earnings date is recorded for CIBH in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does CIBH have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on CIBH, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.