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CNB Community Bancorp, Inc. (CNBB)

USD50.36 -1.59 (-3.06%)
US OTC Financial Services Banks - Regional
Address One South Howell Street 49242-9900
Hillsdale, MI, US
CEO Joseph R. Williams
Website cnbb.bank
IPO 2018-10-09
ISIN US12618F1057

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Description

CNB Community Bancorp, Inc. functions as the parent company for County National Bank, offering a comprehensive suite of retail and commercial banking services across Michigan. The bank provides diverse deposit accounts, including various checking and savings options, individual retirement accounts (IRAs), and multiple time deposit and certificate of deposit (CD) products. Its extensive lending portfolio encompasses personal loans for vehicles (automobiles, boats, recreational, and commercial), residential mortgages, and home equity lines of credit. For businesses, financing extends to commercial real estate, equipment, and agricultural needs, alongside specialized offerings such as floor plans and government-guaranteed (SBA, USDA) loans, all available with both fixed and variable interest rates. Additionally, the institution offers insurance products. Customers benefit from convenient access via ATMs, debit and credit cards, and robust mobile, online, and telephone banking services. The bank further provides advanced solutions like remote deposit, automated clearing house (ACH) and cash management, overdraft services, private banking, investment management, and expert advice for trust, estate settlement, retirement, and financial planning. Operating through 13 branches located in Hillsdale, Jackson, Lenawee, and Calhoun counties, the company also maintains 2 loan production offices and a network of 19 ATMs. CNB Community Bancorp, Inc. was established in 1934 and is headquartered in Hillsdale, Michigan.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD50.36 -1.59 (-3.06%)
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Volume Profile
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Liquidity & share structure
Average Volume
126
Beta
0.37
Free Float %
0.0%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% -0.02% +7.54% +9.25% +12.20% +9.96% +12.48% +31.95% +9.47% +115.13% +115.13%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
50.36
DCF (Unlevered) 58.45 +16.1%
DCF (Levered) 122.99 +144.2%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Quality scores
Altman Z-Score
0.28
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
5 / 5
High
ROE Score
4 / 5
High
ROA Score
3 / 5
Medium
D/E Score
2 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    +6.3% Q1'26: +6.5% (vs Q1'25)
  • EPS growth
    +7.8% Q1'26: +19.5% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +18.3% (vs Q1'25)
  • ROIC
    Q1'26: +7.2% (vs Q1'25)
  • Share dilution
    -4.5% Q1'26: -7.4% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 5.62× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.35) × ERP
WACC = 55% × Ke + 45% × Kd (28.4%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 58.45 Current price: 50.36
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-27 A- 4/5 5/5 4/5 3/5 2/5 3/5 3/5
2026-05-15 A- 4/5 5/5 4/5 3/5 2/5 3/5 3/5
2026-05-06 A- 4/5 5/5 4/5 3/5 2/5 4/5 3/5
2026-04-29 A 4/5 5/5 4/5 4/5 2/5 4/5 3/5
2026-04-28 A 4/5 5/5 4/5 4/5 2/5 4/5 3/5
2026-04-27 A 4/5 5/5 4/5 4/5 2/5 4/5 3/5
2026-04-22 A 4/5 5/5 4/5 4/5 2/5 4/5 3/5
2026-04-21 A 4/5 5/5 4/5 4/5 2/5 4/5 3/5
2026-04-20 A 4/5 5/5 4/5 4/5 2/5 4/5 3/5
2026-04-17 A 4/5 5/5 4/5 4/5 2/5 4/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
362.7K
OE per share TTM
0.17
Owner's Yield
0.36%
Maintenance CapEx ratio
21.84%
Maint CapEx / Avg PPE
18.2%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock

This company is not held by any ETF in our universe.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions From To
Date Person Role Transaction A/D Security Shares Price Value Owned after D/I Filing
2004-03-24 FRANKLAND G THOMAS Officer A-Award A Option to Buy 6,250 23.49 146.8K 6,250
2003-06-02 FRANKLAND G THOMAS Officer A-Award A Option to Buy 3,750 15.17 56.9K 3,750

Executive team

Top executives
EBIT / Employee
1.24M
Shares Outstanding
2.01M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Abba T. Reeve Vice President & Controller female
Chelcie Kling Executive Administrative Officer & Private Banking Officer
Christopher A. Phillips EVice President & Chief Wealth Management Officer male
Christopher J. Clarke Executive VP & Chief Lending Officer male
Delesha Padula Vice President & Director of Operations
Erik A. Lawson Executive VP & CFO male
Jody Dodd VP & Chief Human Resources Officer
Joseph R. Williams Chief Executive Officer, President & Director male
Joshua J. Royal Assistant Vice President & Compliance Officer male
Kathy McCrate Vice President & Chief Risk Officer
Matthew Chrome Vice President & Chief Credit Officer
Rebecca J. Wiley Vice President & Human Resources Officer female
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits