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Cornerstone Bancorp
(OTC:CNBP)
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Rating:71Outperform
Price Target:
$136.00
▲(10.08% Upside)
Action:Upgraded
Date:08/04/26
The score is driven primarily by solid financial performance (growth, stronger capitalization, and generally good recent cash conversion) and a reasonable earnings valuation (P/E ~10.5). These positives are moderated by technical risk from overbought momentum (RSI ~81) and some historical volatility/inconsistencies in cash flow and certain profitability line items.
Positive Factors
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.
Negative Factors
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.
Read all positive and negative factors
Positive Factors
Negative Factors
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.
Read all positive factors
Cornerstone Bancorp (CNBP) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$122.82M
Dividend YieldN/A
Average Volume (3M)33.00
Price to Earnings (P/E)10.2
Beta (1Y)0.11
Revenue Growth14.68%
EPS Growth11.67%
CountryUS
Employees73
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)5.62
Shares Outstanding994,088
10 Day Avg. Volume10
30 Day Avg. Volume33
Financial Highlights & Ratios
PEG Ratio1.39
Price to Book (P/B)1.61
Price to Sales (P/S)2.46
P/FCF Ratio14.47
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/EbitdaN/A
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
Cornerstone Bancorp Business Overview & Revenue Model
Company Description
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, savi...
How the Company Makes Money
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Cornerstone Bancorp Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
81
Very Positive
Cash Flow
67
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 22.02M | 59.94M | 58.70M | 54.11M | 41.24M | 38.11M |
| Gross Profit | 22.02M | 42.03M | 38.04M | 39.23M | 37.58M | 35.22M |
| EBITDA | 0.00 | 14.79M | 13.17M | 416.00 | 15.12M | 14.24M |
| Net Income | 5.53M | 10.82M | 9.76M | 10.88M | 10.48M | 9.83M |
Balance Sheet | ||||||
| Total Assets | 0.00 | 1.03B | 976.89M | 958.80M | 989.11M | 950.73M |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 77.60M | 99.98M | 199.69M | 220.66M | 239.57M |
| Total Debt | 0.00 | 10.31M | 18.07M | 18.07M | 23.07M | 28.07M |
| Total Liabilities | -91.70M | 941.88M | 895.88M | 885.55M | 927.75M | 893.87M |
| Stockholders Equity | 91.70M | 91.70M | 81.00M | 73.25M | 61.36M | 56.87M |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 10.20M | 5.86M | 10.81M | 11.30M | 23.45M |
| Operating Cash Flow | 0.00 | 10.53M | 5.96M | 11.14M | 11.41M | 24.05M |
| Investing Cash Flow | 0.00 | -76.25M | -112.18M | 11.76M | -64.59M | -14.88M |
| Financing Cash Flow | 0.00 | 43.34M | 6.51M | -43.86M | 34.26M | 49.95M |
Cornerstone Bancorp Technical Analysis
Neutral
123.55
Price Trends
120.58
Positive
118.36
Positive
124.55
Negative
Market Momentum
0.98
Positive
59.56
Neutral
35.57
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CNBP, the sentiment is Neutral. The current price of 123.55 is below the 20-day moving average (MA) of 123.60, above the 50-day MA of 120.58, and below the 200-day MA of 124.55, indicating a neutral trend. The MACD of 0.98 indicates Positive momentum. The RSI at 59.56 is Neutral, neither overbought nor oversold. The STOCH value of 35.57 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for CNBP.
Cornerstone Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | $122.82M | 10.17 | 13.86% | ― | 14.68% | 11.67% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
57 Neutral | $47.79M | 26.24 | 3.86% | ― | 8.66% | 958.30% | |
42 Neutral | $181.59M | -0.44 | -63.67% | 1.33% | -35.76% | -909.39% | |
41 Neutral | $13.17M | -83.02 | -0.48% | ― | 13.37% | -600.93% |
* Financial Sector Average
CNBP
Cornerstone Bancorp
124.50
33.21
36.37%
CARV
Carver Bancorp
1.63
-0.11
-6.44%
GLBZ
Glen Burnie Bancorp
4.48
0.33
8.09%
KFFB
Kentucky First Federal Bancorp
6.19
2.99
93.44%
BAFN
BayFirst Financial Corp
6.61
-2.41
-26.72%
MBBC
Marathon Bancorp
15.23
4.90
47.39%
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.