Head-To-Head Comparison: Timberland Bancorp (NASDAQ:TSBK) & Community Investors Bancorp (OTCMKTS:CIBN)

Volatility & Risk

Community Investors Bancorp has a beta of 0.09, indicating that its stock price is 91% less volatile than the S&P 500. Comparatively, Timberland Bancorp has a beta of 0.51, indicating that its stock price is 49% less volatile than the S&P 500.

Insider & Institutional Ownership

65.5% of Timberland Bancorp shares are owned by institutional investors. 15.8% of Community Investors Bancorp shares are owned by company insiders. Comparatively, 3.7% of Timberland Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Dividends

Community Investors Bancorp pays an annual dividend of $0.40 per share and has a dividend yield of 2.0%. Timberland Bancorp pays an annual dividend of $1.04 per share and has a dividend yield of 3.0%. Community Investors Bancorp pays out 17.4% of its earnings in the form of a dividend. Timberland Bancorp pays out 30.6% 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. Timberland Bancorp has raised its dividend for 13 consecutive years. Timberland Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Community Investors Bancorp	9.29%	N/A	N/A
Timberland Bancorp	24.19%	10.79%	1.40%

Earnings & Valuation

This table compares Community Investors Bancorp and Timberland Bancorp”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	$2.30	8.70
Timberland Bancorp	$105.96 million	2.59	$24.28 million	$3.40	10.22

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

Summary

Timberland Bancorp beats Community Investors Bancorp on 11 of the 13 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 Timberland Bancorp

Timberland Bancorp, Inc. operates as the bank holding company for Timberland Bank that provides various community banking services in Washington. It offers various deposit products, including money market deposit, checking, and regular savings accounts, as well as certificates of deposit. The company also provides one-to four-family residential, multi-family, and commercial real estate loans; and construction lending products, such as custom and owner/builder, speculative one- to four-family, commercial, multi-family, land development, and land development. In addition, it offers consumer loans comprising home equity lines of credit and second mortgage loans, automobile loans, boat loans, motorcycle loans, recreational vehicle loans, savings account loans, and unsecured loans; and commercial business loans. Timberland Bancorp, Inc. was founded in 1915 and is headquartered in Hoquiam, Washington.