OTC · Banks - Regional

CNB Corporation (CNBZ) Stock

$28.49 +0.00% OTC: CNBZ Financial Services

CNB Corporation, established in 1931 and headquartered in Cheboygan, Michigan, operates as the parent company for Citizens National Bank. This financial institution delivers a full spectrum of banking services to a diverse clientele across Michigan, including private individuals, agricultural enterprises, commercial businesses, and light industrial companies.

Valuation

MetricValue
Price$28.49
Market Cap$34.49M
P/E Ratio8.74
P/B Ratio1.57
P/S Ratio1.56
EPS (TTM)$3.26
52-Week High$30.00
52-Week Low$17.50
Dividend Yield3.51%

Financials & Margins

MetricValue
ROE19.87%
ROA0.85%
ROCE16.19%
Gross Margin88.27%
Operating Margin21.96%
Net Margin17.85%
Debt/Equity0.06
Current Ratio0.01

Annual Financials (USD)

Metric20212022202320242025
Revenue$16.0M$17.0M$19.0M$21.0M$22.0M
Operating Profit$4.0M$5.0M$4.0M$4.0M$5.0M
Net Profit$3.0M$4.0M$4.0M$3.0M$4.0M
EPS$2.48$3.06$2.92$2.65$3.18
Op Margin22.9%27.2%23.4%18.4%21.6%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$492.0M$484.0M$487.0M$477.0M$471.0M
Total Liabilities$463.0M$481.0M$478.0M$466.0M$449.0M
Cash$32.0M$18.0M$16.0M$19.0M$6.0M
Borrowings$0$0$57.0M$0$21.0M

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$5.0M$5.0M$3.0M$5.0M$4.0M
Investing Cash Flow$-124.0M$-34.0M$1.0M$13.0M$2.0M
Financing Cash Flow$94.0M$18.0M$-61.0M$10.0M$-4.0M
Net Cash Flow$-23.0M$-11.0M$2.0M$6.0M$0
Free Cash Flow$3.0M$5.0M$-1.0M$3.0M$3.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.45
EV / EBITDA
FCF Yield
Quick Ratio
Interest Coverage
Return 1Y65.06%
Return 3Y82.11%
Return 5Y

Ownership

Insiders Held0.00%
Institutions Held0.00%
Institutions Float Held0.00%

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
AMFCAMB Financial Corp. $34.55 +0.14% 8.47 $30.75M 0.81%
BKUTKBank of Utica $630.51 +0.00% 4.85 $157.87M 3.09%
EFSGEnterprise Financial Services Group, Inc. $32.00 +0.00% 9.52 $37.25M 1.78%
ELMAElmer Bancorp, Inc. $27.00 +2.86% 10.98 $31.09M 1.48%
FBPAThe Farmers Bank of Appomattox $30.18 +0.00% 9.96 $32.72M 4.31%

About CNB Corporation

CNB Corporation, established in 1931 and headquartered in Cheboygan, Michigan, operates as the parent company for Citizens National Bank. This financial institution delivers a full spectrum of banking services to a diverse clientele across Michigan, including private individuals, agricultural enterprises, commercial businesses, and light industrial companies. The bank offers a variety of deposit options, such as checking, savings, money market, and individual retirement accounts, in addition to certificates of deposit. Its lending portfolio is comprehensive, catering to personal needs with home mortgage, home equity, and auto loans, alongside Checkmate lines of credit. For businesses, CNB provides term loans, equipment financing, commercial real estate and construction loans, Small Business Administration (SBA) loans, and business lines of credit. Beyond core banking, CNB Corporation extends its offerings to include cash and wealth management solutions. Customers also benefit from a host of convenient services like night depository, money orders, cashier's checks, coin counting, notary services, fax and wire transfers, and safe deposit boxes. The corporation embraces modern banking with bank-by-mail, mobile and online banking platforms, e-statements, bill payment, remote deposit capture, telephone banking, and direct deposit services. A wide array of cards, including debit, ATM, merchant, prepaid, payroll, gift, and credit cards, are also available. With its roots in Cheboygan, Michigan, CNB Corporation maintains a physical presence through eight branch locations situated across Cheboygan, Presque Isle, and Emmet counties.

CNB Corporation is headquartered in US.

CNB Corporation (CNBZ) stock trades at $28.49 with a market capitalization of $34.49M. The stock is valued at a price-to-earnings (P/E) ratio of 8.74, price-to-book of 1.57, price-to-sales of 1.56. Over the past 52 weeks the stock has ranged between $17.50 and $30.00, and currently trades 5.0% below its 52-week high. It pays a dividend yielding 3.51%.

On profitability, CNB Corporation generates a return on equity (ROE) of 19.87%, above the typical market average, return on capital employed of 16.19%, an operating margin of 21.96%, a net profit margin of 17.85%.

Official website: www.cnbismybank.com

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