OTC · Banks - Regional

Cornerstone Bancorp Inc. (CNBP) Stock

$119.99 +0.00% OTC: CNBP Financial Services

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.

Valuation

MetricValue
Price$119.99
Market Cap$118.16M
P/E Ratio10.51
P/B Ratio1.29
P/S Ratio3.60
EPS (TTM)$11.42
52-Week High$150.25
52-Week Low$88.00
Dividend Yield2.29%

Financials & Margins

MetricValue
ROE13.86%
ROA1.06%
ROCE0.00%
Gross Margin100.00%
Operating Margin26.75%
Net Margin25.85%
Debt/Equity0.11
Current Ratio0.08

Annual Financials (USD)

Metric20212022202320242025
Revenue$38.0M$41.0M$54.0M$59.0M$60.0M
Operating Profit$14.0M$15.0M$15.0M$13.0M$14.0M
Net Profit$10.0M$10.0M$11.0M$10.0M$11.0M
EPS$9.88$10.54$11.01$10.01$11.00
Op Margin36.1%35.6%28.3%21.8%23.9%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$951.0M$989.0M$959.0M$977.0M$1.0B
Total Liabilities$894.0M$928.0M$886.0M$896.0M$942.0M
Cash$240.0M$221.0M$200.0M$100.0M$78.0M
Borrowings$28.0M$23.0M$18.0M$18.0M$10.0M

Latest News

Cornerstone Bancorp, Inc Quarterly Report - March 31, 2026 PR Newswire · Apr 28, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$24.0M$11.0M$11.0M$6.0M$11.0M
Investing Cash Flow$-15.0M$-65.0M$11.0M$-112.0M$-77.0M
Financing Cash Flow$52.0M$39.0M$-39.0M$9.0M$54.0M
Net Cash Flow$59.0M$-19.0M$-21.0M$-100.0M$-22.0M
Free Cash Flow$23.0M$11.0M$11.0M$6.0M$10.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.88
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y39.12%
Return 3Y98.34%
Return 5Y—

Ownership

Insiders Held0.00%
Institutions Held0.51%
Institutions Float Held0.51%
Institutional HolderSharesReport Date
Siena Capital Partners GP, LLC5,0062026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AMBKAmerican Bank Incorporated $22.43 +3.22% 9.35 $142.14M 2.85%
BNCCBNCCORP, Inc. $36.07 +0.75% 13.93 $126.97M 0.00%
CPKFChesapeake Financial Shares, Inc. $37.78 +0.00% 8.95 $177.67M 1.91%
FFDFFFD Financial Corporation $45.45 +0.00% 9.35 $134.03M 2.99%
PBNKPinnacle Bank $18.00 +1.98% 22.00 $106.72M 0.00%

About Cornerstone Bancorp Inc.

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.

Cornerstone Bancorp Inc. is headquartered in US.

Cornerstone Bancorp Inc. (CNBP) stock trades at $119.99 with a market capitalization of $118.16M. The stock is valued at a price-to-earnings (P/E) ratio of 10.51, price-to-book of 1.29, price-to-sales of 3.60. Over the past 52 weeks the stock has ranged between $88.00 and $150.25, and currently trades 20.1% below its 52-week high. It pays a dividend yielding 2.29%.

On profitability, Cornerstone Bancorp Inc. generates a return on equity (ROE) of 13.86%, above the typical market average, return on capital employed of 0.00%, an operating margin of 26.75%, a net profit margin of 25.85%.

Official website: www.cnbtc.bank

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