CNB Community Bancorp (CNBB) AI Stock Analysis

• Market Cap: $94.91M
• Dividend Yield: 3.16%
• Average Volume (3M): 321.00
• Price to Earnings (P/E): 7.7
• Beta (1Y): 0.15
• Revenue Growth: 8.54%
• EPS Growth: -0.05%
• Country: US
• Employees: N/A
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 2,101,000
• 10 Day Avg. Volume: 285
• 30 Day Avg. Volume: 321
• PEG Ratio: 0.76
• Price to Book (P/B): 0.92
• Price to Sales (P/S): 1.24
• P/FCF Ratio: 8.60
• Enterprise Value/Market Cap: 1.41
• Enterprise Value/Revenue: 2.10
• Enterprise Value/Gross Profit: 2.88
• Enterprise Value/Ebitda: 10.11
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 77 Outperform
• Price Target: $50.00 ▲(12.18% Upside)
• Action: Reiterated Date: 10/01/25
• Date: Action: Reiterated 10/01/25

CNB Community Bancorp's strong financial performance and attractive valuation are the primary drivers of its high score. The technical indicators support a positive outlook, though they are less influential than the financial and valuation metrics. The absence of earnings call data and corporate events does not impact the score.

Positive Factors

Revenue Growth

Consistent revenue growth indicates strong demand for CNBB's banking services and effective market penetration, supporting long-term business expansion.

Balance Sheet Health

A strong balance sheet with low leverage enhances financial stability and provides flexibility for future growth and investment opportunities.

Cash Flow Management

Effective cash flow management ensures CNBB can support dividends and growth investments, contributing to long-term financial health and shareholder value.

Negative Factors

Net Profit Margin Decline

A decline in net profit margin, despite being robust, could indicate rising costs or competitive pressures, potentially impacting future profitability.

Employee Count

The absence of employee data might suggest operational challenges or reporting issues, which could affect service delivery and business operations.

Profit Margin Stability

The slight decline in profit margin may indicate challenges in maintaining cost efficiency or pricing power, affecting long-term profitability.

CNB Community Bancorp Business Overview & Revenue Model

Company Description

CNB Community Bancorp, Inc. operates as the bank holding company for County National Bank that provides retail and commercial banking services in Michigan. The company accepts various checking and savings accounts; individual retirement accounts; and time deposits and certificates of deposit. It also provides personal, automobile, boat, recreational and commercial vehicle, commercial and residential real estate, business equipment, and agricultural loans; home equity and operating lines of credit; insurance products; floor plans; SBA, USDA, and other guaranteed loans; fixed and variable rate products; and mortgages. In addition, the company offers ATM, and debit and credit cards; remote deposit, automated clearing house/cash management, overdraft, trust and estate settlement, investment management, private banking, and retirement and financial planning services, as well as mobile, online, and telephone banking services. It operates through 13 branches located in Hillsdale, Jackson, Lenawee, and Calhoun counties, as well as 2 loan production offices and 19 ATMs. CNB Community Bancorp, Inc. was founded in 1934 and is headquartered in Hillsdale, Michigan.

How the Company Makes Money

CNB Community Bancorp generates revenue through multiple key streams typical of community banks. The primary revenue source is interest income earned from loans provided to customers, which includes personal loans, commercial loans, and mortgages. Additionally, the company earns non-interest income through fees associated with deposit accounts, transaction fees, and other banking services. The bank may also engage in wealth management and investment services, contributing to its non-interest income. Strategic partnerships with local businesses and community organizations enhance CNB's customer base and service offerings, driving further revenue generation. Overall, the bank's earnings are influenced by the interest rate environment, loan demand, and its ability to manage operational costs effectively.

CNB Community Bancorp Financial Statement Overview

Summary

CNB Community Bancorp exhibits robust financial health with consistent revenue and profit growth, a solid balance sheet, and effective cash flow management. The company has maintained a strong equity position while keeping leverage low, which is commendable in the regional banking industry.

Income Statement

CNB Community Bancorp has demonstrated consistent revenue growth over the years, with a substantial increase in Total Revenue from $34.8 million in 2019 to $51.1 million in 2024. The Gross Profit Margin remains 100% due to the nature of the banking industry. Net Profit Margin improved from 26.3% in 2019 to 22.7% in 2024, which is slightly lower than previous years but still robust. EBIT and EBITDA Margins have shown stability, contributing to a solid financial performance.

Balance Sheet

The company's balance sheet is strong, with Stockholders' Equity growing from $63.7 million in 2019 to $99.6 million in 2024. The Debt-to-Equity Ratio is low at 0.72, indicating prudent financial leverage. The Equity Ratio has improved to 7.78%, reflecting a healthy balance between equity and assets. The increase in Total Assets and Cash Equivalents supports the company’s growth strategy.

Cash Flow

CNB Community Bancorp's cash flow from operations has been consistently positive, with Free Cash Flow showing growth over the years. Operating Cash Flow to Net Income Ratio is strong, demonstrating efficient cash conversion. Although Free Cash Flow fluctuated due to varying capital expenditures, overall cash flow management remains effective, supporting dividend payments and growth investments.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	63.66M	73.81M	63.66M	50.21M	48.29M	45.48M
Gross Profit	46.39M	50.15M	46.39M	45.36M	44.08M	38.56M
EBITDA	13.23M	15.73M	14.65M	16.68M	15.44M	13.49M
Net Income	10.61M	11.58M	10.61M	12.21M	11.44M	10.10M
Balance Sheet
Total Assets	1.25B	1.28B	1.25B	1.17B	1.15B	937.91M
Cash, Cash Equivalents and Short-Term Investments	73.79M	162.38M	73.79M	143.23M	275.13M	118.60M
Total Debt	55.21M	72.09M	55.21M	6.62M	16.96M	21.27M
Total Liabilities	1.15B	1.18B	1.15B	1.08B	1.07B	865.93M
Stockholders Equity	95.59M	99.65M	95.59M	88.14M	80.84M	71.98M
Cash Flow
Free Cash Flow	0.00	10.61M	11.28M	11.92M	34.41M	-4.45M
Operating Cash Flow	0.00	12.67M	13.68M	13.82M	37.95M	-1.82M
Investing Cash Flow	0.00	-46.78M	-115.42M	-148.69M	-83.22M	-141.15M
Financing Cash Flow	0.00	32.00M	55.67M	5.18M	197.74M	188.99M

CNB Community Bancorp Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 44.57
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CNBB, the sentiment is Neutral. The current price of 44.57 is below the 20-day moving average (MA) of 45.46, below the 50-day MA of 45.09, and above the 200-day MA of 43.35, indicating a neutral trend. The MACD of 0.03 indicates Positive momentum. The RSI at 48.64 is Neutral, neither overbought nor oversold. The STOCH value of 17.98 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for CNBB.

CNB Community Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
LSBK	78 Outperform	$119.46M	15.98	6.28%	2.12%	2.27%	66.15%
CNBB	77 Outperform	$94.91M	7.68	0.04%	3.16%	8.54%	-0.05%
AUBN	69 Neutral	$89.93M	12.40	8.22%	4.16%	24.17%	739.42%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
IROQ	62 Neutral	$93.00M	17.37	6.20%	1.48%	1.93%	157.35%
PBHC	54 Neutral	$83.45M	-14.18	2.26%	2.86%	0.84%	―