CNB Community Bancorp (CNBB) AI Stock Analysis

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CNB Community Bancorp

(Other OTC:CNBB)

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Rating:57Neutral

Price Target:$53.00▲(3.41% Upside)

Action:reiterated

Date:11/07/26

CNBB earns a moderate score. Financial performance, the heaviest-weighted factor, is only adequate: the bank is growing assets and revenue steadily, but margins are compressing under higher funding costs, leverage has risen sharply since 2022, and the headline 2025 earnings figure appears to be a one-time distortion not backed by cash flow. Valuation is the main offset, with a low P/E and a near-3% dividend yield offering value and income appeal. Technicals are neutral — the stock holds above its 200-day average but shows flat momentum with no clear trend. With no earnings call commentary or corporate events available, the score rests on fundamentals, technicals, and valuation alone.

Positive Factors

Consistent Revenue GrowthConsistent revenue growth through 2025 indicates ongoing demand for CNB Community Bancorp’s banking products and services. Continued top-line expansion can support operating leverage, strengthen the local franchise, and provide a durable base for future earnings generation.

Negative Factors

2025 Earnings QualityThe unusually high 2025 net profit margin makes reported earnings less comparable with prior years, when net margins were approximately 16% to 24%. If the result reflects a non-recurring item, normalized earnings power is materially lower than the headline figure.

CNB Community Bancorp (CNBB) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $102.99M
Dividend Yield: 2.95%
Average Volume (3M): 1,175
Price to Earnings (P/E): 8.6
Beta (1Y): 0.08
Revenue Growth: 5.78%
EPS Growth: 8.76%
Country: US
Employees: 12
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

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 and...

CNB Community Bancorp Financial Statement Overview

Summary

Income Statement (52), Balance Sheet (55), and Cash Flow (48) scores point to an adequate but unexceptional financial profile. Positives include steady revenue growth from $45.5M (2020) to $78.5M, asset growth of over 40% since 2020, equity expansion to $108M, and normalized ROE of roughly 11–14%. Offsetting this, the 2025 net income of $87.3M (net margin above 100%) appears anomalous and is not supported by cash generation; gross margins have compressed from ~91% to ~67% and EBIT margins from ~30% to ~19–20% on rising funding costs; total debt jumped from $6.6M (2022) to $83M, lifting debt-to-equity to 0.77; and operating cash flow has been volatile ($-1.8M to $38M), though 2025 free cash flow rebounded 43% to $15.2M.

Income Statement

52Neutral

Balance Sheet

55Neutral

Cash Flow

48Neutral

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	83.02M	78.47M	73.81M	63.66M	50.21M	48.29M
Gross Profit	54.69M	52.49M	50.15M	46.39M	45.36M	44.08M
EBITDA	14.82M	16.28M	15.73M	14.65M	16.68M	15.44M
Net Income	11.93M	11.96M	11.58M	10.61M	12.21M	11.44M
Balance Sheet
Total Assets	1.35B	1.32B	1.28B	1.25B	1.17B	1.15B
Cash, Cash Equivalents and Short-Term Investments	20.04M	15.95M	162.38M	73.79M	143.23M	275.13M
Total Debt	106.09M	82.97M	72.09M	55.21M	6.62M	16.96M
Total Liabilities	1.24B	1.21B	1.18B	1.15B	1.08B	1.07B
Stockholders Equity	111.22M	107.77M	99.65M	95.59M	88.14M	80.84M
Cash Flow
Free Cash Flow	0	15.21M	10.61M	11.28M	11.92M	34.41M
Operating Cash Flow	0	16.82M	12.67M	13.68M	13.82M	37.95M
Investing Cash Flow	0	-98.15M	-46.78M	-115.42M	-148.69M	-83.22M
Financing Cash Flow	0	25.59M	32.00M	55.67M	5.18M	197.74M

CNB Community Bancorp Technical Analysis

Technical Analysis SentimentPositive

Last Price51.25

Price Trends

50DMA51.36Negative

100DMA51.22Negative

200DMA48.65Positive

Market Momentum

MACD-0.03Negative

RSI50.05Neutral

STOCH50.00Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CNBB, the sentiment is Positive. The current price of 51.25 is above the 20-day moving average (MA) of 51.14, below the 50-day MA of 51.36, and above the 200-day MA of 48.65, indicating a neutral trend. The MACD of -0.03 indicates Negative momentum. The RSI at 50.05 is Neutral, 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 CNBB.

CNB Community Bancorp Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

CNBB against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
LSBK	79Outperform	$145.26M	16.65	5.85%	1.90%	4.31%	24.65%
AUBN	73Outperform	$90.20M	10.24	9.42%	4.17%	4.68%	21.56%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PBHC	58Neutral	$104.04M	-41.47	0.08%	2.43%	-6.61%	-78.36%
CNBB	57Neutral	$103.24M	8.56	10.89%	2.95%	5.78%	8.76%

* Financial Sector Average

Performance Comparison

CNBB and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
CNBB	CNB Community Bancorp	51.25	8.45	19.74%
AUBN	Auburn National Bancorporation	25.41	1.26	5.23%
LSBK	Lake Shore Bancorp	18.96	5.01	35.88%
PBHC	Pathfinder	17.05	2.64	18.29%

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.

Date of analysis: Nov 07, 2026

CNB Community Bancorp AI Stock Analysis