CNB Corporation (CNBZ)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 16 | 15 | 16 | 16 | 17 | 19 | 20 | - |
| Operating profit | $m | 5 | 5 | ||||||
| Net profit | $m | 3 | 3 | 4 | 4 | 3 | 4 | 4 | - |
| EPS reported | $ | 3.18 | 3.27 | ||||||
| Operating cashflow per share | $ | 3.22 | 0.00 | ||||||
| Capex per share | $ | 0.36 | 0.00 | ||||||
| FCF per share | $ | 2.86 | 0.00 | ||||||
| Free cash flow | $m | 3 | 0 | ||||||
| Net debt | $m | 14 | 0 | ||||||
| Book value equity | $m | 22 | 23 | ||||||
| Book value per share | $ | 17.92 | 18.74 | ||||||
| Number of shares | m | 1.21 | 1.21 | ||||||
| DPS (TTM paid) | $ | 0.90 | 1.00 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 6.81 | 8.59 | ||||||
| P/B LTM | x | 1.21 | 1.16 | ||||||
| P/S LTM | x | 1.37 | 1.30 | ||||||
| P/FCF LTM | x | 7.57 | 0.00 | ||||||
| EV/EBITDA LTM | x | 8.79 | 8.57 | ||||||
| EV/Sales LTM | x | 1.90 | 1.64 | ||||||
| Earnings Yield LTM | % | +14.68% | +11.64% | ||||||
| FCF Yield | % | +13.20% | 0.00% | ||||||
| Quality | |||||||||
| ROE | % | +17.74% | +18.47% | ||||||
| ROIC | % | +0.86% | +0.84% | ||||||
| Operating margin | % | +21.57% | +21.72% | ||||||
| Gross margin | % | +86.77% | +89.42% | ||||||
| FCF/Sales | % | +15.77% | 0.00% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +20.00% | +23.40% | ||||||
| Sales Growth YoY | % | +10.50% | +15.86% | ||||||
| Net Income Growth YoY | % | +19.79% | +22.90% | ||||||
| FCF Growth | % | +13.99% | -100.00% | ||||||
| Operating Profit Growth | % | +20.50% | +23.56% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +4.16% | +3.32% | ||||||
| Dividend Growth | % | 0.00% | +11.11% | ||||||
| Payout Ratio | % | +28.30% | 0.00% | ||||||
| FCF/Debt | x | 0.16 | 0.00 | ||||||
| Net Debt/EBITDA | x | 3.25 | 0.04 | ||||||
| EBIT/Net interest | x | 1.71 | 2.17 | ||||||
| Net debt/market cap | % | +81.88% | +19.36% | ||||||
| Net debt/Equity | x | 0.66 | 0.01 | ||||||
| Gross debt/equity | x | 0.99 | 0.31 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
No price history available.
Not enough data to calculate KvantraRank
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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.
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