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CNB Community Bancorp
(OTC:CNBB)
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Rating:72Outperform
Price Target:
$57.00
â–²(11.63% Upside)
Action:Reiterated
Date:08/06/26
The score is driven primarily by attractive valuation (low P/E and ~3% yield) and constructive technical trend (price above key moving averages with positive MACD). These positives are tempered by financial-performance risks, particularly 2025 earnings quality concerns, rising leverage, and cash flow that does not corroborate the unusually high reported net income.
Positive Factors
Consistent revenue growth
Steady multi-year revenue growth indicates persistent loan demand and deposit engagement in the bank's markets. For a community bank, predictable top-line expansion supports loan portfolio scale, fee income diversification and long-term ability to reinvest in branch and digital services, bolstering sustainable earnings.
Negative Factors
Earnings quality concerns
A materially outsized 2025 net profit relative to revenue signals non-recurring items inflating reported earnings. This reduces visibility on underlying recurring profitability, complicates forecasting, capital planning and any assessment of sustainable dividend or payout policies over the next several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent revenue growth
Steady multi-year revenue growth indicates persistent loan demand and deposit engagement in the bank's markets. For a community bank, predictable top-line expansion supports loan portfolio scale, fee income diversification and long-term ability to reinvest in branch and digital services, bolstering sustainable earnings.
Read all positive factors
CNB Community Bancorp (CNBB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$107.49M
Dividend Yield2.97%
Average Volume (3M)321.00
Price to Earnings (P/E)8.3
Beta (1Y)0.14
Revenue Growth5.85%
EPS Growth8.93%
CountryUS
Employees12
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)6.16
Shares Outstanding2,101,000
10 Day Avg. Volume285
30 Day Avg. Volume321
Financial Highlights & Ratios
PEG Ratio0.90
Price to Book (P/B)0.85
Price to Sales (P/S)1.17
P/FCF Ratio6.04
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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. 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 ...
How the Company Makes Money
CNB Community Bancorp primarily makes money through its banking subsidiary by earning net interest income and generating noninterest (fee) income. Net interest income is produced by investing in interest-earning assets—mainly loans (such as commer...
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 | 81.50M | 78.47M | 73.81M | 63.66M | 50.21M | 48.29M |
| Gross Profit | 55.13M | 52.49M | 50.15M | 46.39M | 45.36M | 44.08M |
| EBITDA | 15.46M | 16.28M | 15.73M | 14.65M | 16.68M | 15.44M |
| Net Income | 12.42M | 11.96M | 11.58M | 10.61M | 12.21M | 11.44M |
Balance Sheet | ||||||
| Total Assets | 1.36B | 1.32B | 1.28B | 1.25B | 1.17B | 1.15B |
| Cash, Cash Equivalents and Short-Term Investments | 21.43M | 15.95M | 162.38M | 73.79M | 143.23M | 275.13M |
| Total Debt | 138.17M | 82.97M | 72.09M | 55.21M | 6.62M | 16.96M |
| Total Liabilities | 1.25B | 1.21B | 1.18B | 1.15B | 1.08B | 1.07B |
| Stockholders Equity | 110.96M | 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
Neutral
51.06
Price Trends
50.41
Positive
48.46
Positive
46.33
Positive
Market Momentum
0.20
Positive
51.63
Neutral
18.78
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CNBB, the sentiment is Neutral. The current price of 51.06 is below the 20-day moving average (MA) of 51.10, above the 50-day MA of 50.41, and above the 200-day MA of 46.33, indicating a neutral trend. The MACD of 0.20 indicates Positive momentum. The RSI at 51.63 is Neutral, neither overbought nor oversold. The STOCH value of 18.78 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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 |
|---|---|---|---|---|---|---|---|
76 Outperform | $91.33M | 10.85 | 9.12% | 4.06% | -1.67% | 26.05% | |
75 Outperform | $134.06M | 15.29 | 6.50% | 2.09% | 5.96% | 48.76% | |
72 Outperform | $107.49M | 8.28 | 11.51% | 2.96% | 5.85% | 8.93% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
56 Neutral | $100.10M | -81.25 | -1.08% | 2.50% | -7.07% | 151.23% |
* Financial Sector Average
CNBB
CNB Community Bancorp
51.00
10.36
25.50%
AUBN
Auburn National Bancorporation
26.32
0.53
2.07%
LSBK
Lake Shore Bancorp
17.13
4.67
37.54%
PBHC
Pathfinder Bancorp
16.25
2.28
16.28%
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.