Cornerstone Bancorp Inc (CNBP)
OTHER OTC:CNBP
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Cornerstone Bancorp
(OTC:CNBP)
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Rating:62Neutral
Price Target:
$153.00
▲(36.61% Upside)
Action:ReiteratedDate:12/02/25
Cornerstone Bancorp's strong financial performance, particularly in revenue growth and profitability, is a key strength. However, technical indicators suggest the stock may be overbought, and the lack of valuation metrics limits a comprehensive assessment. The absence of earnings call and corporate events data further narrows the analysis.
Positive Factors
Revenue Growth
A 92% year increase in revenue reflects meaningful expansion of core business activity, supporting scale advantages and higher fixed-cost absorption. If sustained, this revenue base growth underpins durable earnings improvement and funds reinvestment into products and branch capabilities.
Negative Factors
EBIT Margin Volatility
Fluctuating EBIT margins imply inconsistent cost control or variable revenue mix, which undermines predictability of operating profits. Overmonths, margin volatility raises execution risk, complicates long-range planning and could pressure investor confidence in recurring profitability.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
A 92% year increase in revenue reflects meaningful expansion of core business activity, supporting scale advantages and higher fixed-cost absorption. If sustained, this revenue base growth underpins durable earnings improvement and funds reinvestment into products and branch capabilities.
Read all positive factors
Cornerstone Bancorp (CNBP) vs. SPDR S&P 500 ETF (SPY)
Market Cap
N/A
Dividend YieldN/A
Average Volume (3M)33.00
Price to Earnings (P/E)―
Beta (1Y)0.13
Revenue GrowthN/A
EPS GrowthN/A
CountryUS
Employees97
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.14
Shares Outstanding994,088
10 Day Avg. Volume10
30 Day Avg. Volume33
Financial Highlights & Ratios
PEG Ratio-0.92
Price to Book (P/B)0.99
Price to Sales (P/S)1.37
P/FCF Ratio13.74
Enterprise Value/Market Cap10.00T>
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
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
Cornerstone Bancorp Business Overview & Revenue Model
Company Description
Cornerstone Bancorp (CNBP) is a financial holding company based in the United States that primarily operates through its wholly-owned subsidiary, Cornerstone Bank. The company is engaged in providing a range of banking services, including commerci...
How the Company Makes Money
Cornerstone Bancorp generates revenue primarily through interest income from loans and interest-earning assets, such as investments in securities. The company provides various loan products including commercial loans, residential mortgages, and co...
Cornerstone Bancorp Financial Statement Overview
Summary
Income Statement
75
Positive
Balance Sheet
70
Positive
Cash Flow
65
Positive
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 0.00 | 58.70M | 54.11M | 41.24M | 38.11M | 38.18M |
| Gross Profit | 0.00 | 38.04M | 39.23M | 37.58M | 35.22M | 33.65M |
| EBITDA | 0.00 | 13.17M | 416.00 | 15.12M | 14.24M | 12.00M |
| Net Income | 0.00 | 9.76M | 10.88M | 10.48M | 9.83M | 8.37M |
Balance Sheet | ||||||
| Total Assets | 0.00 | 976.89M | 958.80M | 989.11M | 950.73M | 891.18M |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 99.98M | 199.69M | 220.66M | 239.57M | 180.45M |
| Total Debt | 0.00 | 18.07M | 18.07M | 23.07M | 28.07M | 30.07M |
| Total Liabilities | 0.00 | 895.88M | 885.55M | 927.75M | 893.87M | 843.74M |
| Stockholders Equity | 0.00 | 81.00M | 73.25M | 61.36M | 56.87M | 47.44M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 5.86M | 10.81M | 11.30M | 23.45M | -12.72M |
| Operating Cash Flow | 0.00 | 5.96M | 11.14M | 11.41M | 24.05M | -11.42M |
| Investing Cash Flow | 0.00 | -112.18M | 11.76M | -64.59M | -14.88M | -113.54M |
| Financing Cash Flow | 0.00 | 6.51M | -43.86M | 34.26M | 49.95M | 246.76M |
Cornerstone Bancorp Technical Analysis
Negative
112.00
Price Trends
135.53
Negative
130.65
Negative
111.72
Positive
Market Momentum
-4.71
Positive
28.26
Positive
15.32
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CNBP, the sentiment is Negative. The current price of 112 is below the 20-day moving average (MA) of 128.43, below the 50-day MA of 135.53, and above the 200-day MA of 111.72, indicating a neutral trend. The MACD of -4.71 indicates Positive momentum. The RSI at 28.26 is Positive, neither overbought nor oversold. The STOCH value of 15.32 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CNBP.
Cornerstone Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | ― | ― | ― | ― | ― | ― | |
54 Neutral | $36.63M | 30.97 | 1.71% | ― | 15.56% | ― | |
48 Neutral | $24.58M | -1.41 | -23.19% | 4.10% | 1.63% | -508.72% | |
44 Neutral | $13.66M | -427.49 | 0.09% | ― | 5.76% | -72.73% |
* Financial Sector Average
CNBP
Cornerstone Bancorp
116.75
32.45
38.49%
CARV
Carver Bancorp
1.49
0.03
2.05%
GLBZ
Glen Burnie Bancorp
4.68
-0.55
-10.55%
KFFB
Kentucky First Federal Bancorp
4.53
1.53
51.00%
BAFN
BayFirst Financial Corp
5.98
-12.58
-67.78%
MBBC
Marathon Bancorp
13.99
4.23
43.34%
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.