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CNB Community Bancorp (CNBB) Stock Price & Analysis
CNBB Stock Chart & Stats
- Day’s Range
- $50.86 - $51.50
- 52-Week Range
- $44.10 - $54.43
- Previous Close
- $51.18
- Volume
- N/A
- Average Volume (3M)
- 239
- Market Cap
- $103.24M
- Enterprise Value
- $188.75M
- Total Cash (Recent Filing)
- $20.04M
- Total Debt (Recent Filing)
- $106.09M
- Price to Earnings (P/E)
- 8.6
- Beta
- 0.07
- Next Earnings
- Jan 08, 2027 (Est.)
- EPS Estimate
- N/A
- Last Dividend Ex-Date
- Sep 30, 2026
- Dividend Yield
- 2.95%
Bulls Say, Bears Say
Bulls Say
Consistent Revenue Growth
Multi-year revenue growth indicates continued demand for CNB’s commercial, real estate, consumer lending, and deposit-related services. This supports a durable operating base, although future growth will still depend on loan demand and customer retention.
Healthy Operating Profitability
Healthy operating margins across multiple years suggest the bank has maintained a viable spread-based business model and reasonable operating efficiency. That provides resilience for ongoing operations, even though the unusually high 2025 profit is not representative.
Positive Core Cash Generation
Positive operating and free cash flow in most recent years indicates that the bank’s underlying activities have generally generated cash to support capital needs and growth. This is a constructive foundation, despite volatility and weaker conversion in 2025.
Bears Say
Unusually High 2025 Earnings
The exceptional 2025 net margin makes reported earnings difficult to compare with prior periods, when net margins were approximately 16%–24%. If the gain is non-recurring, normalized profitability and return metrics may be materially lower.
Higher Financial Leverage
The shift toward a more debt-funded capital structure reduces balance-sheet flexibility and can increase sensitivity to funding costs, credit losses, and asset-quality deterioration. It also raises the importance of maintaining stable deposits and sufficient capital.
Weak 2025 Cash Conversion
Weak cash-flow conversion relative to reported earnings raises questions about the quality and sustainability of the 2025 profit surge. Volatile cash generation also makes internally funded growth and capital planning less predictable if earnings normalize.
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CNB Community Bancorp Stock Smart Score
Company Description
CNB Community Bancorp
CNB Community Bancorp, Inc. functions as the parent company for County National Bank, offering a comprehensive suite of retail and commercial banking services across Michigan. The bank provides diverse deposit accounts, including various checking and savings options, individual retirement accounts (IRAs), and multiple time deposit and certificate of deposit (CD) products. Its extensive lending portfolio encompasses personal loans for vehicles (automobiles, boats, recreational, and commercial), residential mortgages, and home equity lines of credit. For businesses, financing extends to commercial real estate, equipment, and agricultural needs, alongside specialized offerings such as floor plans and government-guaranteed (SBA, USDA) loans, all available with both fixed and variable interest rates. Additionally, the institution offers insurance products. Customers benefit from convenient access via ATMs, debit and credit cards, and robust mobile, online, and telephone banking services. The bank further provides advanced solutions like remote deposit, automated clearing house (ACH) and cash management, overdraft services, private banking, investment management, and expert advice for trust, estate settlement, retirement, and financial planning. Operating through 13 branches located in Hillsdale, Jackson, Lenawee, and Calhoun counties, the company also maintains 2 loan production offices and a network of 19 ATMs. CNB Community Bancorp, Inc. was established in 1934 and is headquartered in Hillsdale, Michigan.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Joseph R. Williams
- Employees
- 12
- Website
- www.cnbb.bank
- Address
- One South Howell Street, Hillsdale, MI, 49242-9900, US
CNB Community Bancorp (CNBB) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 13 | 6 | 3 |
| Technical Analysis | 3 | 6 | 1 |
| Moving Averages | 10 | 0 | 2 |
