Cornerstone Bancorp (CNBP) AI Stock Analysis

• Market Cap: N/A
• Dividend Yield: N/A
• Average Volume (3M): 33.00
• 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): 3.14
• Shares Outstanding: 994,088
• 10 Day Avg. Volume: 10
• 30 Day Avg. Volume: 33
• PEG Ratio: -0.92
• Price to Book (P/B): 0.99
• Price to Sales (P/S): 1.37
• P/FCF Ratio: 13.74
• Enterprise Value/Market Cap: 10.00T>
• 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
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 62 Neutral
• Price Target: $153.00 ▲(36.61% Upside)
• Action: Reiterated Date: 12/02/25
• Date: Action: Reiterated 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.

High Net Profit Margin

A 25.65% net margin indicates strong pricing power or operational efficiency versus peers, providing a durable buffer against cyclical pressure. Persistently high margins enable internal capital allocation for lending, technology or reserves without immediate reliance on external financing.

Strong Free Cash Flow Conversion

Nearly one-to-one FCF-to-net-income conversion shows effective cash generation and quality of earnings. Robust cash conversion supports sustainable dividend capacity, debt repayment or opportunistic investments, reducing sensitivity to short-term market funding conditions.

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.

Weak Cash Conversion from Operations

Low operating cash flow relative to reported net income signals potential reliance on non-cash items or working-capital swings. Structurally weak cash conversion can constrain liquidity, limit self-funding of growth and elevate refinancing or funding risk during stress periods.

Declining Return on Equity

A declining ROE, even at 12%, suggests the company is generating lower returns from shareholder capital than before. Persisting declines could signal weaker profitability or suboptimal asset deployment, reducing long-term capacity to deliver attractive shareholder returns.

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 commercial and retail banking, mortgage lending, and various financial products designed to meet the needs of consumers and businesses in its operating regions. Cornerstone Bancorp focuses on delivering personalized banking solutions, enhancing customer experience, and fostering long-term relationships with its clientele.

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 consumer loans, which contribute significantly to its interest income. In addition to interest income, Cornerstone Bancorp earns non-interest income from service fees, transaction fees, and other banking services, including wealth management and investment services. The bank's focus on local markets and community relationships helps it to maintain a strong deposit base, which is crucial for funding its lending activities. Partnerships with local businesses and community organizations also enhance customer acquisition and retention, further contributing to the company's financial performance.

Cornerstone Bancorp Financial Statement Overview

Summary

Cornerstone Bancorp demonstrates strong revenue growth and profitability, supported by improved leverage and cash management. However, fluctuations in EBIT margins and cash flow conversion ratios indicate areas for potential improvement.

Income Statement

Cornerstone Bancorp shows strong revenue growth with a 92.37% increase in the latest year, indicating robust business expansion. The net profit margin of 25.65% reflects solid profitability, although it has slightly decreased from the previous year. The EBIT and EBITDA margins are healthy, supporting operational efficiency. However, the volatility in EBIT margins over the years suggests potential operational challenges.

Balance Sheet

The company's debt-to-equity ratio has improved to 0.22, indicating a more conservative leverage position compared to previous years. Return on equity is at 12.05%, which is a decent return for shareholders, though it has decreased from prior levels. The equity ratio of 8.29% suggests a stable capital structure, but there is room for improvement in asset utilization.

Cash Flow

Free cash flow has shown significant growth, although the previous year's negative free cash flow growth is a concern. The operating cash flow to net income ratio is low, indicating potential issues in converting income into cash. However, the free cash flow to net income ratio is strong at 98.30%, suggesting effective cash management relative to earnings.

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

• Technical Analysis Sentiment: Neutral
• Last Price: 112.00
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CNBP, the sentiment is Neutral. The current price of 112 is below the 20-day moving average (MA) of 135.41, below the 50-day MA of 139.53, and above the 200-day MA of 108.40, indicating a neutral trend. The MACD of -2.08 indicates Positive momentum. The RSI at 34.32 is Neutral, neither overbought nor oversold. The STOCH value of 32.26 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CNBP	62 Neutral	―	―	―	―	―	―
KFFB	54 Neutral	$37.20M	44.79	1.11%	―	15.56%	―
BAFN	48 Neutral	$27.00M	-1.11	-11.14%	4.10%	1.63%	-508.72%
GLBZ	44 Neutral	$13.31M	-451.49	0.09%	―	5.76%	-72.73%