Head to Head Analysis: Wayne Savings Bancshares (OTCMKTS:WAYN) and Community Investors Bancorp (OTCMKTS:CIBN)

Volatility & Risk

Community Investors Bancorp has a beta of 0.28, meaning that its share price is 72% less volatile than the S&P 500. Comparatively, Wayne Savings Bancshares has a beta of 0.28, meaning that its share price is 72% less volatile than the S&P 500.

Institutional & Insider Ownership

12.1% of Wayne Savings Bancshares shares are held by institutional investors. 15.8% of Community Investors Bancorp shares are held by insiders. Comparatively, 3.2% of Wayne Savings Bancshares 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.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Community Investors Bancorp	6.68%	N/A	N/A
Wayne Savings Bancshares	17.74%	16.26%	1.03%

Earnings and Valuation

This table compares Community Investors Bancorp and Wayne Savings Bancshares”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Community Investors Bancorp	$17.26 million	0.78	$1.14 million	$1.61	10.56
Wayne Savings Bancshares	$38.11 million	1.40	$7.83 million	$3.21	7.56

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

Dividends

Community Investors Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 2.4%. Wayne Savings Bancshares pays an annual dividend of $0.92 per share and has a dividend yield of 3.8%. Community Investors Bancorp pays out 24.8% of its earnings in the form of a dividend. Wayne Savings Bancshares pays out 28.7% 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.

Summary

Wayne Savings Bancshares beats Community Investors Bancorp on 9 of the 12 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 Wayne Savings Bancshares

Wayne Savings Bancshares, Inc. operates as the holding company for Wayne Savings Community Bank that provides personal and business banking products and services to individuals, businesses, and other organizations. The company offers checking, savings, money market, and term certificate accounts, as well as certificates of deposit. It also provides residential mortgage, commercial, installment, residential and nonresidential real estate, commercial real estate, residential construction, multi-family real estate, land, commercial business, consumer, home, home equity, auto, recreational vehicle, personal, furniture and appliance, agriculture, and term loans, as well as lines of credit, government guaranteed programs, and standby letters of credit. In addition, the company offers retirement planning, investment advisory, insurance, and wealth management and trust services. Further, it provides overdraft protection, re-order check, remote deposit capture, merchant, sweep, online and mobile banking, and bill pay services, as well as debit, credit, and gift cards. The company was founded in 1899 and is based in Wooster, Ohio.