Cornerstone Bancorp (CNBP) AI Stock Analysis

Cornerstone Bancorp

(Other OTC:CNBP)

Select Model

Rating:71Outperform

Price Target:$136.00▲(11.20% 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 trendSustained 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 volatilityHistorical 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.

Cornerstone Bancorp (CNBP) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $120.00M
Dividend Yield: ―
Average Volume (3M): 264
Price to Earnings (P/E): 10.3
Beta (1Y): 0.09
Revenue Growth: 13.87%
EPS Growth: 11.52%
Country: US
Employees: 73
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

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, savings...

How the Company Makes Money

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Cornerstone Bancorp Financial Statement Overview

Summary

Fundamentals are solid overall: revenue and net income have grown over the period, equity has strengthened alongside asset growth, and recent-year cash conversion has generally tracked earnings. Offsetting factors include cash-flow volatility (notably negative operating/free cash flow in 2020 and choppy FCF growth) and inconsistencies/anomalies in certain profitability line items (notably 2023), which reduce confidence in trend stability.

Income Statement

74Positive

Balance Sheet

81Very Positive

Cash Flow

67Positive

Financial statement breakdown
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	14.79M	13.17M	416	15.12M	14.24M
Net Income	5.53M	10.82M	9.76M	10.88M	10.48M	9.83M
Balance Sheet
Total Assets	0	1.03B	976.89M	958.80M	989.11M	950.73M
Cash, Cash Equivalents and Short-Term Investments	0	77.60M	99.98M	199.69M	220.66M	239.57M
Total Debt	0	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	10.20M	5.86M	10.81M	11.30M	23.45M
Operating Cash Flow	0	10.53M	5.96M	11.14M	11.41M	24.05M
Investing Cash Flow	0	-76.25M	-112.18M	11.76M	-64.59M	-14.88M
Financing Cash Flow	0	43.34M	6.51M	-43.86M	34.26M	49.95M

Cornerstone Bancorp Technical Analysis

Technical Analysis SentimentPositive

Last Price122.30

Price Trends

50DMA122.49Negative

100DMA121.22Positive

200DMA122.86Negative

Market Momentum

MACD-0.03Negative

RSI54.99Neutral

STOCH80.56Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CNBP, the sentiment is Positive. The current price of 122.30 is above the 20-day moving average (MA) of 121.38, below the 50-day MA of 122.49, and below the 200-day MA of 122.86, indicating a neutral trend. The MACD of -0.03 indicates Negative momentum. The RSI at 54.99 is Neutral, neither overbought nor oversold. The STOCH value of 80.56 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CNBP.

Cornerstone Bancorp Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

CNBP against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CNBP	71Outperform	$121.58M	10.33	12.68%	―	13.87%	11.52%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
KFFB	62Neutral	$43.18M	22.64	3.86%	0.94%	8.69%	958.30%
BAFN	52Neutral	$156.38M	-0.55	-42.84%	―	-40.59%	-260.03%
GLBZ	52Neutral	$12.19M	-76.49	-0.39%	―	17.13%	-395.56%

* Financial Sector Average

Performance Comparison

CNBP and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
CNBP	Cornerstone Bancorp	122.30	7.11	6.18%
CARV	Carver Bancorp	1.85	-1.14	-38.13%
GLBZ	Glen Burnie	4.17	-0.52	-10.98%
KFFB	Kentucky First Federal	5.34	1.39	35.29%
BAFN	BayFirst Financial Corp	5.80	-3.50	-37.63%
MBBC	Marathon Bancorp, Inc.	14.44	3.50	31.95%

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: Aug 04, 2026

Cornerstone Bancorp AI Stock Analysis