Financial Comparison: Northpointe Bancshares (NYSE:NPB) and Community Investors Bancorp (OTCMKTS:CIBN)

Community Investors Bancorp (OTCMKTS:CIBN) and Northpointe Bancshares (NYSE:NPB) are both small-cap finance companies, but which is the better business? We will contrast the two businesses based on the strength of their dividends, analyst recommendations, risk, valuation, profitability, institutional ownership and earnings.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Community Investors Bancorp	14.51%	N/A	N/A
Northpointe Bancshares	17.92%	14.80%	1.28%

Analyst Recommendations

This is a breakdown of current ratings for Community Investors Bancorp and Northpointe Bancshares, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Community Investors Bancorp	0	0	0	0	0.00
Northpointe Bancshares	1	2	1	0	2.00

Northpointe Bancshares has a consensus target price of $19.83, indicating a potential upside of 14.30%. Given Northpointe Bancshares’ stronger consensus rating and higher probable upside, analysts plainly believe Northpointe Bancshares is more favorable than Community Investors Bancorp.

Dividends

Community Investors Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 1.6%. Northpointe Bancshares pays an annual dividend of $0.10 per share and has a dividend yield of 0.6%. Community Investors Bancorp pays out 10.1% of its earnings in the form of a dividend. Northpointe Bancshares pays out 4.5% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Risk & Volatility

Community Investors Bancorp has a beta of 0.04, suggesting that its stock price is 96% less volatile than the S&P 500. Comparatively, Northpointe Bancshares has a beta of 0.12, suggesting that its stock price is 88% less volatile than the S&P 500.

Valuation and Earnings

This table compares Community Investors Bancorp and Northpointe Bancshares”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	$19.58 million	1.01	$1.82 million	$3.97	6.29
Northpointe Bancshares	$471.18 million	1.27	$83.41 million	$2.22	7.82

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

Summary

Northpointe Bancshares beats Community Investors Bancorp on 12 of the 14 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 Northpointe Bancshares

Northpointe Bancshares, Inc. operates as a bank holding company. It offers a nationwide mortgage purchase program, residential mortgage loans, digital deposit banking to retail customers and custodial deposit services. The company was founded by Charles A. Williams in 1998 and is headquartered in Grand Rapids, MI.