CNB Corporation Logo

CNB Corporation

CNBZ

(1.8)
Stock Price

18,00 USD

0.69% ROA

56.87% ROE

6.88x PER

Market Cap.

22.797.720,00 USD

720.61% DER

4.78% Yield

16.39% NPM

CNB Corporation Stock Analysis

CNB Corporation Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

CNB Corporation Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a minimal amount of debt (0%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

2 Dividend

The company's consistent dividend payouts over the past five years exemplify its strong commitment to providing shareholders with reliable returns, making it an attractive investment option.

3 PBV

The stock's PBV ratio (1.11x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

4 Graham Number

Based on the Graham number, this company's stock price appears to be lower than its intrinsic value, signaling a potentially favorable investment choice.

5 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (142) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

6 ROE

The stock's ROE indicates a negative return (-13.93%) on shareholders' equity, suggesting poor financial performance.

7 ROA

The stock's ROA (-1.08%) indicates that it's not effectively utilizing its assets to generate profits, making it a less favorable option to invest and earn consistent returns.

8 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

9 Net Profit Growth

Throughout the last five years, this company's net profit has remained unchanged, indicating a lack of growth and making it a less favorable investment option.

10 Assets Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

11 Dividend Growth

The company's dividend growth has remained flat for the past three years, offering no indication of improved returns and making it a less advantageous investment opportunity.

CNB Corporation Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

CNB Corporation Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

CNB Corporation Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

CNB Corporation Revenue
Year Revenue Growth
2003 11.880.000
2004 11.320.000 -4.95%
2005 12.040.000 5.98%
2006 12.323.000 2.3%
2007 12.026.000 -2.47%
2008 11.518.000 -4.41%
2009 12.336.000 6.63%
2010 10.344.000 -19.26%
2011 9.915.000 -4.33%
2012 11.168.000 11.22%
2012 9.172.000 -21.76%
2013 11.512.000 20.33%
2014 11.198.000 -2.8%
2015 9.465.000 -18.31%
2016 10.953.000 13.59%
2017 11.097.000 1.3%
2018 12.142.000 8.61%
2019 13.444.000 9.68%
2020 16.029.000 16.13%
2021 16.036.999 0.05%
2022 16.816.000 4.63%
2023 18.586.000 9.52%
2024 20.968.000 11.36%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

CNB Corporation Research and Development Expenses
Year Research and Development Expenses Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

CNB Corporation General and Administrative Expenses
Year General and Administrative Expenses Growth
2003 3.944.000
2004 3.715.000 -6.16%
2005 3.993.000 6.96%
2006 3.852.000 -3.66%
2007 4.038.000 4.61%
2008 3.952.000 -2.18%
2009 5.074.000 22.11%
2010 4.762.000 -6.55%
2011 4.123.000 -15.5%
2012 3.960.000 -4.12%
2012 650.000 -509.23%
2013 581.000 -11.88%
2014 635.000 8.5%
2015 535.000 -18.69%
2016 1.370.000 60.95%
2017 1.498.000 8.54%
2018 1.575.000 4.89%
2019 1.776.000 11.32%
2020 1.788.000 0.67%
2021 1.934.000 7.55%
2022 1.803.000 -7.27%
2023 0 0%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

CNB Corporation EBITDA
Year EBITDA Growth
2003 6.407.000
2004 5.269.000 -21.6%
2005 4.986.000 -5.68%
2006 4.969.000 -0.34%
2007 4.289.000 -15.85%
2008 -5.113.000 183.88%
2009 2.481.000 306.09%
2010 707.000 -250.92%
2011 -3.814.000 118.54%
2012 1.944.000 296.19%
2012 1.861.000 -4.46%
2013 -344.000 640.99%
2014 -238.000 -44.54%
2015 -149.000 -59.73%
2016 -132.000 -12.88%
2017 -90.001 -46.67%
2018 -3.137.000 97.13%
2019 -919.000 -241.35%
2020 -142.000 -547.18%
2021 -255.000 44.31%
2022 -343.000 25.66%
2023 -343.000 0%
2024 0 0%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

CNB Corporation Gross Profit
Year Gross Profit Growth
2003 11.880.000
2004 11.320.000 -4.95%
2005 12.040.000 5.98%
2006 12.323.000 2.3%
2007 12.026.000 -2.47%
2008 11.518.000 -4.41%
2009 12.336.000 6.63%
2010 10.344.000 -19.26%
2011 9.915.000 -4.33%
2012 11.168.000 11.22%
2012 9.172.000 -21.76%
2013 11.512.000 20.33%
2014 11.198.000 -2.8%
2015 9.465.000 -18.31%
2016 10.953.000 13.59%
2017 11.097.000 1.3%
2018 12.142.000 8.61%
2019 13.444.000 9.68%
2020 16.029.000 16.13%
2021 16.036.999 0.05%
2022 16.816.000 4.63%
2023 18.579.000 9.49%
2024 20.968.000 11.39%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

CNB Corporation Net Profit
Year Net Profit Growth
2003 3.885.000
2004 2.955.000 -31.47%
2005 3.288.000 10.13%
2006 3.323.000 1.05%
2007 3.088.000 -7.61%
2008 -5.225.000 159.1%
2009 2.115.000 347.04%
2010 319.000 -563.01%
2011 -2.693.000 111.85%
2012 1.448.000 285.98%
2012 1.395.000 -3.8%
2013 2.720.000 48.71%
2014 1.891.000 -43.84%
2015 1.688.000 -12.03%
2016 1.657.000 -1.87%
2017 1.314.000 -26.1%
2018 -779.000 268.68%
2019 1.928.000 140.4%
2020 2.812.000 31.44%
2021 3.004.000 6.39%
2022 3.711.000 19.05%
2023 3.538.000 -4.89%
2024 2.864.000 -23.53%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

CNB Corporation Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2003 3
2004 2 -50%
2005 3 0%
2006 3 0%
2007 3 0%
2008 -4 150%
2009 2 500%
2010 0 0%
2011 -2 100%
2012 1 300%
2012 1 0%
2013 2 50%
2014 2 -100%
2015 1 0%
2016 1 0%
2017 1 0%
2018 -1 0%
2019 2 100%
2020 2 50%
2021 2 0%
2022 3 33.33%
2023 3 -50%
2024 2 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

CNB Corporation Free Cashflow
Year Free Cashflow Growth
2003 4.611.000
2004 3.604.000 -27.94%
2005 2.542.000 -41.78%
2006 1.148.000 -121.43%
2007 3.213.000 64.27%
2008 4.817.000 33.3%
2009 80.000 -5921.25%
2010 3.687.000 97.83%
2011 1.682.000 -119.2%
2012 758.000 -121.9%
2012 1.606.000 52.8%
2013 2.833.000 43.31%
2014 2.829.000 -0.14%
2015 1.556.000 -81.81%
2016 1.294.000 -20.25%
2017 1.352.000 4.29%
2018 3.285.000 58.84%
2019 1.845.000 -78.05%
2020 1.998.000 7.66%
2021 1.238.000 -61.39%
2022 3.799.000 67.41%
2023 112.000 -3291.96%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

CNB Corporation Operating Cashflow
Year Operating Cashflow Growth
2003 5.649.000
2004 4.568.000 -23.66%
2005 3.872.000 -17.98%
2006 2.383.000 -62.48%
2007 3.537.000 32.63%
2008 5.012.000 29.43%
2009 511.000 -880.82%
2010 3.780.000 86.48%
2011 1.783.000 -112%
2012 1.107.000 -61.07%
2012 1.847.000 40.06%
2013 3.158.000 41.51%
2014 3.077.000 -2.63%
2015 2.403.000 -28.05%
2016 2.318.000 -3.67%
2017 1.905.000 -21.68%
2018 3.433.000 44.51%
2019 2.473.000 -38.82%
2020 2.398.000 -3.13%
2021 3.568.000 32.79%
2022 4.022.000 11.29%
2023 3.806.000 -5.68%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

CNB Corporation Capital Expenditure
Year Capital Expenditure Growth
2003 1.038.000
2004 964.000 -7.68%
2005 1.330.000 27.52%
2006 1.235.000 -7.69%
2007 324.000 -281.17%
2008 195.000 -66.15%
2009 431.000 54.76%
2010 93.000 -363.44%
2011 101.000 7.92%
2012 349.000 71.06%
2012 241.000 -44.81%
2013 325.000 25.85%
2014 248.000 -31.05%
2015 847.000 70.72%
2016 1.024.000 17.29%
2017 553.000 -85.17%
2018 148.000 -273.65%
2019 628.000 76.43%
2020 400.000 -57%
2021 2.330.000 82.83%
2022 223.000 -944.84%
2023 3.694.000 93.96%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

CNB Corporation Equity
Year Equity Growth
2003 25.138.000
2004 24.156.000 -4.07%
2005 24.499.000 1.4%
2006 24.998.000 2%
2007 24.400.000 -2.45%
2008 17.540.000 -39.11%
2009 20.320.000 13.68%
2010 20.641.000 1.56%
2011 18.018.000 -14.56%
2012 18.794.000 4.13%
2012 595.000 -3058.66%
2013 20.820.000 97.14%
2014 22.738.000 8.44%
2015 23.947.000 5.05%
2016 22.945.000 -4.37%
2017 23.555.000 2.59%
2018 24.069.000 2.14%
2019 27.211.000 11.55%
2020 30.668.000 11.27%
2021 29.148.000 -5.21%
2022 2.657.000 -997.03%
2023 8.961.000 70.35%
2024 7.910.000 -13.29%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

CNB Corporation Assets
Year Assets Growth
2003 254.406.000
2004 254.094.000 -0.12%
2005 252.731.000 -0.54%
2006 251.900.000 -0.33%
2007 255.193.000 1.29%
2008 253.916.000 -0.5%
2009 249.502.000 -1.77%
2010 255.098.000 2.19%
2011 250.142.000 -1.98%
2012 262.138.000 4.58%
2012 260.898.000 -0.48%
2013 247.735.000 -5.31%
2014 253.921.000 2.44%
2015 273.069.000 7.01%
2016 280.343.000 2.59%
2017 290.801.000 3.6%
2018 292.066.000 0.43%
2019 311.693.000 6.3%
2020 399.846.000 22.05%
2021 492.413.000 18.8%
2022 484.335.000 -1.67%
2023 486.951.000 0.54%
2024 482.672.000 -0.89%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

CNB Corporation Liabilities
Year Liabilities Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2012 0 0%
2013 1.476.000 100%
2014 1.774.000 16.8%
2015 249.122.000 99.29%
2016 257.398.000 3.22%
2017 267.245.999 3.68%
2018 267.997.000 0.28%
2019 284.482.000 5.79%
2020 369.178.000 22.94%
2021 463.265.000 20.31%
2022 481.678.000 3.82%
2023 477.990.000 -0.77%
2024 474.762.000 -0.68%

CNB Corporation Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
16.69
Net Income per Share
2.74
Price to Earning Ratio
6.88x
Price To Sales Ratio
1.13x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
2.88
EV to Sales
3.04
EV Over EBITDA
-244.08
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.15
FreeCashFlow Yield
0
Market Cap
0,02 Bil.
Enterprise Value
0,06 Bil.
Graham Number
20.05
Graham NetNet
-398.59

Income Statement Metrics

Net Income per Share
2.74
Income Quality
0
ROE
0.57
Return On Assets
0.01
Return On Capital Employed
0.03
Net Income per EBT
0.82
EBT Per Ebit
0.53
Ebit per Revenue
0.38
Effective Tax Rate
0.18

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.99
Operating Profit Margin
0.38
Pretax Profit Margin
0.2
Net Profit Margin
0.16

Dividends

Dividend Yield
0.05
Dividend Yield %
4.78
Payout Ratio
0
Dividend Per Share
0.9

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.1
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
-6,46
Book Value per Share
6,53
Tangible Book Value per Share
6.53
Shareholders Equity per Share
6.53
Interest Debt per Share
50
Debt to Equity
7.21
Debt to Assets
0.12
Net Debt to EBITDA
-153.61
Current Ratio
0.1
Tangible Asset Value
0,01 Bil.
Net Current Asset Value
-0,45 Bil.
Invested Capital
-171491000
Working Capital
-0,18 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
2.5

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

CNB Corporation Dividends
Year Dividends Growth
2007 0
2008 2 100%
2013 0 0%
2014 0 0%
2015 0 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%
2024 1 0%

CNB Corporation Profile

About CNB Corporation

CNB Corporation operates as the bank holding company for Citizens National Bank that provides various banking services to individuals, agricultural businesses, commercial businesses, and light industries in Michigan. It offers various deposit products, including checking, savings, money market, and individual retirement accounts, as well as certificates of deposit. The company also provides personal loans, such as home mortgage, home equity, and auto loans, as well as checkmate lines of credit; and business loans, which include term, equipment, commercial real estate, commercial construction, and small business administration loans, as well as business lines of credit. In addition, it offers cash and wealth management solutions; night depository, money order, cashier's check, coin counting, notary, fax, and wire transfer services; safe deposit boxes; bank by mail, mobile and online banking, e-statement, bill pay, remote deposit capture, telephone banking, and direct deposit services; and debit, ATM, merchant, prepaid and payroll, gift, and credit cards. The company operates through eight branches in Cheboygan, Presque Isle, and Emmet counties. CNB Corporation was founded in 1931 and is based in Cheboygan, Michigan.

CEO
Mr. Matthew E. Keene
Employee
79
Address
303 North Main Street
Cheboygan, 49721

CNB Corporation Executives & BODs

CNB Corporation Executives & BODs
# Name Age
1 Mr. Matthew E. Keene
President, Chief Executive Officer & Director
70
2 Ms. Marily Galloway
Vice President of Operations & Compliance and Risk Officer
70

CNB Corporation Competitors