Cornerstone Bancorp (CNBP) AI Stock Analysis

• Market Cap: N/A
• Dividend Yield: N/A
• Average Volume (3M): 0.00
• Price to Earnings (P/E): ―
• Beta (1Y): 0.07
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: US
• Employees: 97
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 994,088
• 10 Day Avg. Volume: 0
• 30 Day Avg. Volume: 0
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 66 Neutral
• Price Target: ―

Cornerstone Bancorp demonstrates strong financial health with consistent revenue and profit growth and a stable balance sheet. However, some concerns arise from cash flow volatility and lack of valuation metrics. Technical indicators show a neutral trend with slight upward momentum, but the absence of earnings call insights and corporate events leaves some uncertainty in the near-term outlook.

Cornerstone Bancorp Business Overview & Revenue Model

Company Description

Cornerstone Bancorp, Inc. operates as the bank holding company for Cornerstone National Bank & Trust Company that provides various financial products and services to individuals and businesses. It offers checking, savings, money market, and individual retirement accounts; and certificates of deposit. The company also provides home equity, vehicle, personal, equipment, association, and real estate construction loans; residential mortgages and refinances; construction, and medical and dental practice financing services; commercial and multi-family mortgages; and letters and lines of credit products. In addition, it provides online and mobile banking, payment, cash management, and bill pay services; and personal and business account services. Further, the company offers securities custody accounts; investment management services; trust, estate, and guardianship services; and retirement plans. It operates in the Chicago metropolitan area through its main office in Palatine, Illinois, as well as branch offices in Crystal Lake, Deer Park, Naperville, and Schaumburg, Illinois. Cornerstone Bancorp, Inc. was founded in 2000 and is headquartered in Palatine, Illinois.

How the Company Makes Money

Cornerstone Bancorp makes money primarily through interest income generated from loans and mortgages as well as from fees associated with its banking services. The company earns interest by lending money to individuals and businesses and charges interest on these loans. Additionally, Cornerstone Bancorp generates non-interest income through service charges, transaction fees, and wealth management services. These include fees from account maintenance, transaction processing, and advisory services provided to clients. The bank may also engage in strategic partnerships with other financial institutions to expand its product offerings and enhance its revenue streams, though specific partnerships are not detailed.

Cornerstone Bancorp Financial Statement Overview

Summary

Cornerstone Bancorp presents a solid financial profile with strengths in profitability and financial stability. Revenue and profit growth are consistent, the balance sheet is stable with low leverage, but some volatility in cash flow management and asset reduction warrants attention.

Income Statement

Cornerstone Bancorp has experienced steady revenue growth over the years, with a notable increase from 2019 to 2023. The net profit margin is robust, reflecting strong profitability. However, the company reports very low gross profit margins, which may indicate high cost of goods sold or services. EBIT and EBITDA margins are not applicable due to unreported EBITDA figures.

Balance Sheet

The balance sheet is strong with a low debt-to-equity ratio, indicating prudent financial management. The equity ratio has shown improvement, suggesting increased financial stability. Return on Equity (ROE) is healthy, driven by consistent net income growth. However, the decrease in total assets over the past few years could be a potential concern.

Cash Flow

Cornerstone Bancorp's cash flow from operations is healthy compared to net income, suggesting good earnings quality. Free cash flow has been positive, but its growth rate has fluctuated significantly. The ratio of free cash flow to net income is strong, indicating efficient cash generation from profits. However, historical discrepancies in financing cash flow may suggest volatility in capital structure management.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	38.04M	54.11M	37.58M	35.23M	33.65M
Gross Profit	38.04M	39.23M	37.99K	37.09K	35.98K
EBITDA	13.17M	15.72M	15.12M	14.24M	0.00
Net Income	9.76M	10.88M	10.48M	9.83M	8.37M
Balance Sheet
Total Assets	976.89M	958.80M	989.11M	950.73M	891.18M
Cash, Cash Equivalents and Short-Term Investments	99.98M	199.69M	220.66K	238.68K	179.07K
Total Debt	0.00	18.07M	23.07M	28.07M	30.07M
Total Liabilities	895.88M	885.55M	927.75M	893.87M	843.74M
Stockholders Equity	81.00M	73.25M	61.36M	56.87M	47.44M
Cash Flow
Free Cash Flow	5.86M	10.81M	11.30M	23.45M	-12.72M
Operating Cash Flow	5.96M	11.14M	11.41M	24.05M	-11.42M
Investing Cash Flow	-112.18M	11.76M	-64.59M	-14.88M	-113.54M
Financing Cash Flow	6.51M	-43.86M	34.26M	49.95M	246.76M

Cornerstone Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 93.13
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Negative
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CNBP, the sentiment is Positive. The current price of 93.13 is above the 20-day moving average (MA) of 93.07, above the 50-day MA of 91.53, and above the 200-day MA of 85.90, indicating a bullish trend. The MACD of 0.37 indicates Positive momentum. The RSI at 79.75 is Negative, neither overbought nor oversold. The STOCH value of 50.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CNBP.

Cornerstone Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$17.80B	11.87	10.23%	3.74%	9.69%	1.18%
CNBP	66 Neutral		―	14.85%	―	―	―
CARV	―	$14.87M	―	-37.16%	―	―	―
FUSB	70 Outperform	$69.17M	12.40	5.99%	2.19%	2.84%	-31.20%
TCBS	57 Neutral	$48.19M	20.72	4.50%	0.98%	13.47%	―
CLST	57 Neutral	$54.22M	23.39	2.69%	―	107.33%	―
GLBZ	50 Neutral	$13.10M	421.96	0.17%	2.21%	8.99%	-94.06%