CNB Community Bancorp (CNBB) AI Stock Analysis

• Market Cap: $82.11M
• Dividend Yield: 3.02%
• Average Volume (3M): 481.00
• Price to Earnings (P/E): 7.2
• Beta (1Y): 0.14
• Revenue Growth: 15.22%
• EPS Growth: 11.29%
• Country: US
• Employees: N/A
• Sector: Financial
• Sector Strength: 80
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 2,101,000
• 10 Day Avg. Volume: 466
• 30 Day Avg. Volume: 481
• PEG Ratio: 0.64
• Price to Book (P/B): N/A
• Price to Sales (P/S): 2.53
• Price to Cash Flow (P/CF): N/A
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

CNB Community Bancorp maintains a strong financial foundation with consistent revenue growth and stable balance sheet metrics. The stock's technical indicators suggest positive market momentum, while the valuation appears favorable with a low P/E ratio and reasonable dividend yield. The absence of recent earnings call insights and corporate events limits additional positive or negative adjustments to the score.

CNB Community Bancorp Business Overview & Revenue Model

Company Description

CNB Community Bancorp, Inc. is a bank holding company headquartered in Hillsdale, Michigan. It operates through its subsidiary, County National Bank, providing a range of financial services primarily in the community banking sector. The bank offers traditional banking services including savings and checking accounts, mortgage and consumer loans, as well as business banking solutions for small to medium-sized enterprises. Its focus is on delivering personalized financial services to individuals, businesses, and municipalities within its service regions.

How the Company Makes Money

CNB Community Bancorp generates revenue primarily through interest income from its lending activities, which include various types of loans such as commercial, residential, and consumer loans. The bank also earns money from fees and service charges associated with deposit accounts, transaction services, and other banking activities. Additionally, the bank may engage in investment activities, earning interest and dividends on securities in its portfolio. Partnerships with other financial service providers, such as insurance or investment firms, can also contribute to its earnings through referral fees or commissions.

CNB Community Bancorp Financial Statement Overview

Summary

CNB Community Bancorp shows solid financial performance with consistent revenue growth and healthy profitability margins. The company has a stable balance sheet with manageable leverage, though there is a slight decline in return on equity and free cash flow.

Income Statement

CNB Community Bancorp has demonstrated steady revenue growth over the past years, with a notable increase in total revenue from $34.84 million in 2019 to $47.77 million in 2023. The gross profit margin has increased significantly, indicating efficient cost management. The net profit margin has shown slight fluctuation but remains healthy at 22.2% for 2023. EBIT and EBITDA margins have improved, reflecting strong operational performance.

Balance Sheet

The company's financial position is stable, with a debt-to-equity ratio that increased to 0.56 in 2023, reflecting manageable leverage. The return on equity has decreased from 13.64% in 2022 to 11.1% in 2023, indicating a slight decline in profitability. However, the equity ratio of 7.67% shows a conservative capital structure, typical for the banking industry.

Cash Flow

CNB Community Bancorp's cash flow performance is moderate, with a decline in free cash flow from 2022 to 2023. The operating cash flow to net income ratio indicates effective cash generation. However, the free cash flow to net income ratio has decreased, suggesting increased capital expenditures or reduced cash conversion.

Breakdown
Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
47.77M	46.51M	45.33M	41.67M	34.84M
	Gross Profit
65.05M	46.51M	45.33M	41.67M	34.84M
	EBIT
19.19M	18.94M	14.37M	12.68M	11.62M
	EBITDA
14.65M	16.68M	15.44M	13.49M	12.21M
	Net Income Common Stockholders
10.61M	12.21M	11.44M	10.10M	9.17M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
73.79M	143.23M	275.13M	118.60M	77.49M
	Total Assets
1.25B	1.17B	1.15B	937.91M	737.43M
	Total Debt
53.76M	6.62M	16.96M	21.27M	17.76M
	Net Debt
-20.04M	-113.49M	-233.27M	-79.13M	-43.97M
	Total Liabilities
1.15B	1.08B	1.07B	865.93M	673.71M
	Stockholders Equity
95.59M	88.14M	80.84M	71.98M	63.72M
Cash Flow		Free Cash Flow
11.28M	11.92M	34.41M	-4.45M	3.14M
	Operating Cash Flow
13.68M	13.82M	37.95M	-1.82M	4.21M
	Investing Cash Flow
-114.44M	-148.69M	-83.22M	-141.15M	-61.61M
	Financing Cash Flow
55.67M	5.18M	197.74M	188.99M	64.45M

CNB Community Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 39.08
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CNBB, the sentiment is Negative. The current price of 39.08 is below the 20-day moving average (MA) of 39.77, below the 50-day MA of 40.40, and above the 200-day MA of 38.27, indicating a neutral trend. The MACD of -0.47 indicates Positive momentum. The RSI at 40.90 is Neutral, neither overbought nor oversold. The STOCH value of 25.66 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CNBB.

CNB Community Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FCAP	78 Outperform	$127.67M	10.66	10.86%	3.00%	13.72%	-6.60%
HTB	77 Outperform	$564.81M	10.06	10.32%	1.43%	11.01%	8.09%
LARK	76 Outperform	$156.44M	11.99	9.88%	2.99%	18.26%	6.14%
CNBB	74 Outperform	$82.11M	7.21	11.87%	3.02%	15.22%	11.29%
FMBH	65 Neutral	$756.16M	9.55	9.62%	3.01%	17.70%	3.88%
Sector *	63 Neutral	$12.86B	9.19	9.16%	4.78%	16.31%	-8.97%
RVSB	60 Neutral	$119.98M	152.53	0.50%	2.10%	1.27%	-91.84%