Community Investors Bancorp (OTCMKTS:CIBN) versus First Seacoast Bancorp (NASDAQ:FSEA) Critical Survey

Community Investors Bancorp (OTCMKTS:CIBN) and First Seacoast Bancorp (NASDAQ:FSEA) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their dividends, earnings, institutional ownership, risk, valuation, profitability and analyst recommendations.

Analyst Recommendations

This is a summary of current recommendations and price targets for Community Investors Bancorp and First Seacoast Bancorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Community Investors Bancorp	0	0	0	0	N/A
First Seacoast Bancorp	0	0	0	0	N/A

Risk and Volatility

Community Investors Bancorp has a beta of 0.19, meaning that its share price is 81% less volatile than the S&P 500. Comparatively, First Seacoast Bancorp has a beta of 0.45, meaning that its share price is 55% less volatile than the S&P 500.

Earnings & Valuation

This table compares Community Investors Bancorp and First Seacoast 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	$17.26 million	0.73	$1.14 million	$1.43	11.19
First Seacoast Bancorp	$18.58 million	2.35	-$10.66 million	($2.10)	-4.36

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

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Community Investors Bancorp	6.61%	N/A	N/A
First Seacoast Bancorp	-42.33%	-14.79%	-1.69%

Insider and Institutional Ownership

38.4% of First Seacoast Bancorp shares are held by institutional investors. 15.8% of Community Investors Bancorp shares are held by insiders. Comparatively, 4.7% of First Seacoast Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Summary

Community Investors Bancorp beats First Seacoast Bancorp on 7 of the 11 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 First Seacoast Bancorp

First Seacoast Bancorp, Inc. operates as the holding company for First Seacoast Bank that provides commercial and consumer banking services for individuals and businesses. The company offers interest-bearing and non-interest-bearing checking, savings, and money market accounts, as well as time deposits. It also provides various lending products comprising one- to four-family residential real estate loans; commercial real estate and multi-family real estate loans; acquisition, development, and land loans; commercial and industrial loans; home equity loans and lines of credit; and consumer loans. In addition, the company offers wealth management services, such as retirement planning, portfolio management, investment and insurance strategies, business retirement plans, and college planning services. The company was founded in 1890 and is headquartered in Dover, New Hampshire. First Seacoast Bancorp, Inc. is a subsidiary of First Seacoast Bancorp, MHC.