CNB Community Bancorp Inc (CNBB)
OTHER OTC:CNBB
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CNB Community Bancorp
(OTC:CNBB)
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Rating:73Outperform
Price Target:
$51.00
▲(14.43% Upside)
Action:ReiteratedDate:03/31/26
The score is driven by very attractive valuation (very low P/E and a solid dividend yield) and a mildly positive technical setup (trading above key moving averages with neutral momentum). Offsetting these positives, financial performance is tempered by higher recent leverage and concerns about 2025 earnings quality and cash flow conversion that reduce confidence in the sustainability of reported profitability.
Positive Factors
Consistent Revenue Growth
Sustained revenue growth across multiple years indicates ongoing loan and deposit expansion in CNB’s local markets. Durable top-line momentum supports recurring net interest income, underpins organic capital accumulation, and provides a stable base for medium-term earnings forecasts.
Negative Factors
Rising Leverage
A material increase in leverage reduces financial flexibility and raises sensitivity to rising funding costs or credit stress. For a regional/community bank, higher debt funding can compress net interest margins and amplify capital strain during cyclical downturns, increasing medium-term risk to solvency metrics.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent Revenue Growth
Sustained revenue growth across multiple years indicates ongoing loan and deposit expansion in CNB’s local markets. Durable top-line momentum supports recurring net interest income, underpins organic capital accumulation, and provides a stable base for medium-term earnings forecasts.
Read all positive factors
CNB Community Bancorp (CNBB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$96.04M
Dividend Yield3.16%
Average Volume (3M)321.00
Price to Earnings (P/E)7.4
Beta (1Y)0.13
Revenue Growth8.54%
EPS Growth-0.05%
CountryUS
EmployeesN/A
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)N/A
Shares Outstanding2,101,000
10 Day Avg. Volume285
30 Day Avg. Volume321
Financial Highlights & Ratios
PEG Ratio0.91
Price to Book (P/B)0.85
Price to Sales (P/S)1.17
P/FCF Ratio6.04
Enterprise Value/Market Cap1.69
Enterprise Value/Revenue2.55
Enterprise Value/Gross Profit3.50
Enterprise Value/Ebitda12.28
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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; ...
How the Company Makes Money
CNB Community Bancorp primarily makes money through the earnings generated by its banking subsidiary. The core revenue stream is net interest income: the bank earns interest and fees on loans and other interest-earning assets and pays interest on ...
CNB Community Bancorp Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
67
Positive
Cash Flow
52
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 63.66M | 78.47M | 73.81M | 63.66M | 50.21M | 48.29M |
| Gross Profit | 46.39M | 52.49M | 50.15M | 46.39M | 45.36M | 44.08M |
| EBITDA | 13.23M | 16.28M | 15.73M | 14.65M | 16.68M | 15.44M |
| Net Income | 10.61M | 11.96M | 11.58M | 10.61M | 12.21M | 11.44M |
Balance Sheet | ||||||
| Total Assets | 1.25B | 1.32B | 1.28B | 1.25B | 1.17B | 1.15B |
| Cash, Cash Equivalents and Short-Term Investments | 73.79M | 15.95M | 162.38M | 73.79M | 143.23M | 275.13M |
| Total Debt | 55.21M | 82.97M | 72.09M | 55.21M | 6.62M | 16.96M |
| Total Liabilities | 1.15B | 1.21B | 1.18B | 1.15B | 1.08B | 1.07B |
| Stockholders Equity | 95.59M | 107.77M | 99.65M | 95.59M | 88.14M | 80.84M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 15.21M | 10.61M | 11.28M | 11.92M | 34.41M |
| Operating Cash Flow | 0.00 | 16.82M | 12.67M | 13.68M | 13.82M | 37.95M |
| Investing Cash Flow | 0.00 | -98.15M | -46.78M | -115.42M | -148.69M | -83.22M |
| Financing Cash Flow | 0.00 | 25.59M | 32.00M | 55.67M | 5.18M | 197.74M |
CNB Community Bancorp Technical Analysis
Positive
44.57
Price Trends
45.18
Positive
44.63
Positive
43.39
Positive
Market Momentum
0.15
Negative
58.03
Neutral
37.33
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CNBB, the sentiment is Positive. The current price of 44.57 is below the 20-day moving average (MA) of 45.36, below the 50-day MA of 45.18, and above the 200-day MA of 43.39, indicating a bullish trend. The MACD of 0.15 indicates Negative momentum. The RSI at 58.03 is Neutral, neither overbought nor oversold. The STOCH value of 37.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CNBB.
CNB Community Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | $96.04M | 7.39 | 11.40% | 3.16% | 8.54% | -0.05% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $83.88M | 12.98 | 8.27% | 4.16% | 24.17% | 739.42% | |
63 Neutral | $120.48M | 15.00 | 6.26% | 2.12% | 2.27% | 66.15% | |
51 Neutral | $85.71M | -25.99 | -2.75% | 2.86% | 0.84% | ― |
* Financial Sector Average
CNBB
CNB Community Bancorp
45.71
7.53
19.72%
AUBN
Auburn National Bancorporation
24.01
4.59
23.62%
LSBK
Lake Shore Bancorp
15.61
5.37
52.47%
PBHC
Pathfinder Bancorp
13.70
-2.00
-12.72%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.