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CNB Community Bancorp (CNBB) AI Stock Analysis
CNB Community Bancorp
(Other OTC:CNBB)
CNBB scores a 59, reflecting a modestly growing regional bank with mixed fundamentals. The most significant factor is the financial performance: while revenue growth has been solid, margin compression, rapidly increasing leverage, and a clearly anomalous 2025 net income figure raise concerns about underlying earnings quality and sustainability. On the positive side, the stock's valuation is attractive with a low P/E of 8.3x and a nearly 3% dividend yield, offering reasonable value for income-oriented investors. Technical indicators are mildly positive, with the stock trading above all major moving averages in a steady uptrend, though momentum is not particularly strong. The very low beta limits both upside and downside volatility. Key risks include continued margin pressure from the rate environment, the tenfold increase in debt since 2022, and the lack of cash flow support for the outsized 2025 earnings. Investors should seek clarity on the one-time items driving the 2025 results before assigning full credit to reported profitability.
CNB Community Bancorp (CNBB) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $103.80M
- Dividend Yield
- 2.95%
- Average Volume (3M)
- 826
- Price to Earnings (P/E)
- 8.6
- Beta (1Y)
- 0.07
- 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...
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 commercia...
CNB Community Bancorp Financial Statement Overview
Summary
CNB Community Bancorp shows steady revenue growth (from $45.5M to $78.5M over five years) and reasonable normalized profitability (net margins of 15–24%). However, the 2025 net income of $87.3M is clearly anomalous and not reflective of core earnings. Gross margins have compressed from ~91% to ~67%, and EBIT margins have declined from ~30% to ~20%, signaling rising funding costs. Total debt has surged from $6.6M to $83M, and cash flow generation has been volatile with a notable disconnect between reported 2025 earnings and actual cash flows. The balance sheet is adequate but leverage is increasing rapidly. Overall, the financials reflect a modestly growing bank facing margin headwinds and elevated leverage, with distorted 2025 results masking underlying trends.
Income Statement
52NeutralBalance Sheet
55NeutralCash Flow
48Neutral| 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
Price Trends
Market Momentum
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 51.18 is above the 20-day moving average (MA) of 51.13, below the 50-day MA of 51.59, and above the 200-day MA of 48.33, indicating a neutral trend. The MACD of -0.06 indicates Negative momentum. The RSI at 49.19 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
AUBN77Outperform
LSBK75Outperform- CNBB59Neutral
PBHC58Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| AUBN | 77Outperform | $90.59M | 10.44 | 9.42% | 4.15% | -1.64% | 21.56% |
| LSBK | 75Outperform | $145.41M | 16.69 | 7.78% | 1.93% | 4.31% | 24.16% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| CNBB | 59Neutral | $103.24M | 8.62 | 10.89% | 2.95% | 5.78% | 8.76% |
| PBHC | 58Neutral | $106.74M | -26.87 | -1.08% | 2.39% | -7.07% | -307.72% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| CNBB | CNB Community Bancorp | 51.18 | 7.01 | 15.87% | |
| AUBN | Auburn National Bancorporation | 26.00 | 1.56 | 6.40% | |
| LSBK | Lake Shore Bancorp | 18.69 | 4.83 | 34.80% | |
| PBHC | Pathfinder | 17.00 | 2.32 | 15.77% |
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: Aug 06, 2026