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Cornerstone Bancorp (CNBP) Stock Price & Analysis
CNBP Stock Chart & Stats
- Day’s Range
- $121.60 - $123.00
- 52-Week Range
- $110.00 - $150.25
- Previous Close
- $122.30
- Volume
- 100
- Average Volume (3M)
- 58
- Market Cap
- $121.58M
- Enterprise Value
- $128.63M
- Total Cash (Recent Filing)
- $0
- Total Debt (Recent Filing)
- $0
- Price to Earnings (P/E)
- 10.3
- Beta
- 0.09
- Next Earnings
- Jan 27, 2027 (Est.)
- EPS Estimate
- N/A
- Last Dividend Ex-Date
- Feb 09, 2026
- Dividend Yield
- N/A
Bulls Say, Bears Say
Bulls Say
Revenue Growth Trend
Sustained multi-year revenue expansion indicates durable demand for the bank's products and growing franchise scale in its markets. Higher revenues provide more capacity to absorb credit losses, invest in digital or branch initiatives, and support medium-term earnings stability absent adverse shocks.
Strengthened Capitalization
Material increase in shareholder equity and a declining debt balance materially improve capital buffers and financial flexibility. Stronger capitalization supports regulatory resilience, allows continued lending growth, and reduces leverage-driven volatility in stress scenarios over months to quarters.
Solid Cash Generation Recently
Consistent cash conversion in recent years shows the company can turn accounting earnings into free cash, supporting reinvestment, dividends, or balance-sheet repair. Reliable cash flow improves capital allocation choices and lowers financing risk across a multi-quarter horizon.
Bears Say
Cash-flow Volatility
Historical swings in operating and free cash flow create uncertainty for sustained capital returns and investment planning. Volatility driven by working-capital and timing issues can force reactive funding or curb dividends and adds execution risk across 2–6 months if adverse timing recurs.
Profitability Inconsistencies
Anomalous 2023 income-statement items and erratic margin metrics reduce confidence in the sustainability of reported profits. Persistent irregularities complicate forecasting and mask underlying operating performance, raising risk that headline margins may not be repeatable over subsequent quarters.
Asset Growth May Pressure Returns
Rapid expansion of assets requires proportional net-interest or fee income to maintain ROE. If loan yields compress or credit costs rise, asset growth can dilute profitability and lower returns on equity, challenging management to sustain earnings as the balance sheet scales in the medium term.
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Cornerstone Bancorp Stock Smart Score
Company Description
Cornerstone Bancorp
Cornerstone Bancorp, Inc. functions as the parent entity for Cornerstone National Bank & Trust Company, which delivers a comprehensive range of financial solutions to both retail and commercial clients. Its deposit offerings include checking, savings, and money market accounts, along with individual retirement accounts (IRAs) and certificates of deposit (CDs). The institution's lending portfolio encompasses home equity, vehicle, personal, equipment, and association loans, alongside real estate construction financing. It further provides residential mortgages and refinancing options, specialized funding for construction projects, and financial services for medical and dental practices. Additionally, it extends commercial and multi-family mortgages, as well as various letters and lines of credit. Furthermore, it provides convenient online and mobile banking platforms, payment processing, sophisticated cash management tools, and bill payment functionalities. It also offers comprehensive services for both personal and business accounts. Beyond traditional banking, the company furnishes securities custody accounts, professional investment management services, trust and estate administration, guardianship support, and various retirement planning solutions. Its operational footprint is concentrated within the Chicago metropolitan area, anchored by its primary office in Palatine, Illinois, with branch locations in Crystal Lake, Deer Park, Naperville, and Schaumburg, Illinois. Established in 2000, Cornerstone Bancorp, Inc. maintains its corporate headquarters in Palatine, Illinois.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Gerald F. Fitzgerald Jr.
- Employees
- 73
- Website
- www.cnbtc.bank
- Address
- One West Northwest Highway, Palatine, IL, 60067, US
Cornerstone Bancorp (CNBP) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 12 | 2 | 7 |
| Technical Analysis | 3 | 2 | 4 |
| Moving Averages | 9 | 0 | 3 |
