Head to Head Comparison: Community Investors Bancorp (OTCMKTS:CIBN) & Carver Bancorp (NASDAQ:CARV)

Risk and Volatility

Carver Bancorp has a beta of 1.11, indicating that its share price is 11% more volatile than the S&P 500. Comparatively, Community Investors Bancorp has a beta of 0.08, indicating that its share price is 92% less volatile than the S&P 500.

Earnings and Valuation

This table compares Carver Bancorp and Community Investors Bancorp”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Carver Bancorp	$24.59 million	0.27	-$2.98 million	($1.92)	-0.68
Community Investors Bancorp	$17.26 million	0.82	$1.14 million	$1.61	11.11

Community Investors Bancorp has lower revenue, but higher earnings than Carver Bancorp. Carver Bancorp 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.

Institutional & Insider Ownership

18.2% of Carver Bancorp shares are held by institutional investors. 1.3% of Carver Bancorp shares are held by insiders. Comparatively, 15.8% of Community Investors Bancorp shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Carver Bancorp	-24.99%	-59.15%	-1.34%
Community Investors Bancorp	6.68%	N/A	N/A

Summary

Community Investors Bancorp beats Carver Bancorp on 8 of the 11 factors compared between the two stocks.

About Carver Bancorp

Carver Bancorp, Inc. operates as the holding company for Carver Federal Savings Bank that provides consumer and commercial banking services for consumers, businesses, non-profit organizations, and governmental and quasi-governmental agencies primarily in New York. It accepts various deposit products, including demand, savings, and time deposits; passbook and statement accounts, and certificates of deposit; and individual retirement accounts. The company provides lending products, such as one-to-four family residential, multifamily real estate, and commercial real estate lending; and construction, business and small business administration, and consumer and other loans. In addition, it offers other consumer and commercial banking products and services, including debit cards, online account opening and banking, online bill pay, and telephone banking, as well as check cashing, wire transfer, bill payment, reloadable prepaid card, and money order services. Carver Bancorp, Inc. was founded in 1948 and is headquartered in New York, New York.

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.