Reviewing Community Investors Bancorp (OTCMKTS:CIBN) and Southern Banc (OTCMKTS:SRNN)

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Community Investors Bancorp	11.11%	N/A	N/A
Southern Banc	7.55%	5.65%	0.75%

Volatility and Risk

Community Investors Bancorp has a beta of 0.08, indicating that its share price is 92% less volatile than the S&P 500. Comparatively, Southern Banc has a beta of -0.1, indicating that its share price is 110% less volatile than the S&P 500.

Earnings and Valuation

This table compares Community Investors Bancorp and Southern Banc”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Community Investors Bancorp	$19.58 million	N/A	$1.82 million	$2.80	7.86
Southern Banc	$12.13 million	0.67	$920,000.00	$1.21	8.31

Community Investors Bancorp has higher revenue and earnings than Southern Banc. Community Investors Bancorp is trading at a lower price-to-earnings ratio than Southern Banc, indicating that it is currently the more affordable of the two stocks.

Summary

Community Investors Bancorp beats Southern Banc on 5 of the 8 factors compared between the two stocks.

About Community Investors Bancorp

Community Investors Bancorp, Inc. operates as a thrift holding company for First Federal Community Bank of Bucyrus that engages in the provision of banking and financial services to individual and corporate customers in northern Ohio. The company offers deposit accounts, including demand, NOW, checking, savings, money market, Christmas club, health savings, certificates of deposit, time deposit, and individual retirement accounts. It also provides consumer loans, home equity loans, home equity line of credit, auto and RV loans, residential real estate loans, mortgage loans, and construction loans for personal use; and business loans, lines of credit, term loans, ag loans, nonresidential real estate loans, secured loans, credit cards, commercial investment real estate, construction loans, and equipment financing for business use. In addition, the company offers online and mobile banking, bill payments, e-statements, remote deposit capture, cash management, mobile and night deposits, debit cards, overdraft protection, safety deposit boxes, telephone banking, positive pay/check reconciliation, direct deposit, and ACH and payroll services. Community Investors Bancorp, Inc. was founded in 1888 and is based in Bucyrus, Ohio.

About Southern Banc

The Southern Banc Company, Inc. operates as the holding company for The Southern Bank company that provides various banking products and services in Alabama. The company’s personal banking products include checking accounts, home mortgage loans, home equity loans, auto loans, and personal loans. Its business banking products comprise business checking accounts, cash flow management, real estate lending, and equipment financing. The Southern Banc Company, Inc. was founded in 1936 and is based in Gadsden, Alabama.