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Canandaigua National Corporation (CNND)

USD226.50 +9.50 (+4.38%)
US OTC Financial Services Banks
Address 72 South Main Street 14424
Canandaigua, NY, US
CEO Frank H. Hamlin
Website cnbank.com
IPO 2003-11-28
ISIN US1371431032

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Description

Canandaigua National Corporation operates as the bank holding company for The Canandaigua National Bank & Trust Company and Canandaigua National Trust Company of Florida, which provide various banking and financial services. The company offers checking, savings, and certificate of deposit accounts, as well as insurance services, and debit and credit cards. It also provides commercial and industrial loans, such as term loans and lines of credit, comprising loans to businesses for working capital, including inventory and receivables; business expansion consisting of the acquisition of real estate, expansion, and improvements; and equipment purchases. In addition, the company offers commercial real estate loans; commercial mortgages which includes apartments, commercial structures housing businesses, healthcare facilities, and other non-owner-occupied facilities; one-to-four-family residential real estate loans for the construction, purchase or refinancing of a mortgage; home equity lines of credit and second mortgage loans; indirect loans; and other consumer loans, including automobile, recreational vehicle, boat, aircraft, home improvement, and personal loans. Further, it provides investment management, trust, and insurance services. Additionally, the company offers cash management services; wire transfers; and online, mobile, and text banking, as well as bill pay, custodial, payroll, workplace banking, and ATM services. It serves individuals, corporations, and municipalities in Ontario County and Monroe County in New York State. The company was founded in 1887 and is based in Canandaigua, New York.

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
USD226.50 +9.50 (+4.38%)
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Volume Profile
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Liquidity & share structure
Average Volume
40
Beta
-0.21
Float Shares
1.66M
Free Float %
90.7%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +3.72% +2.29% +3.72% +6.19% +6.19% +22.66% -2.19% -3.04% +72.20% +406.82%
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

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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
226.50
DCF (Unlevered) 216.06 -4.6%
DCF (Levered) 734.30 +224.2%

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
-0.23
Distress
Piotroski F-Score
6 / 9
Average
MOAT Score
7 / 10
Strong MOAT
Operational MOAT
✗ Below peers
  • Revenue growth Banks: +13.8%
    +8.1% Q4'23: -4.6% (vs Q4'21)
  • EPS growth Banks: +25.1%
    +32.9% Q4'23: -0.2% (vs Q4'21)
  • FCF margin FCF growth · Banks: +75.8%
    -13.3% Q4'23: +38.7% (vs Q4'21)
  • EBIT margin Banks: +27.6%
    +23.5% Q4'23: +75.4% (vs Q4'21)
  • ROIC Banks: +1.1%
    +6.8% Q4'23: +20.2% (vs Q4'21)
  • Share dilution Banks: +0.1%
    -1.2% Q4'23: -0.8% (vs Q4'21)
  • Debt / EBITDA Net debt/EBITDA · Banks: 1.37×
    5.18× Q4'23: -43.00× (vs Q4'21)
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 (-0.21) × ERP
WACC = 46% × Ke + 54% × Kd (22.2%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 216.06 Current price: 226.50
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

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

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
108.40M
OE per share TTM
57.54
Owner's Yield
26.62%
Maintenance CapEx ratio
10.87%
Maint CapEx / Avg PPE
11.9%

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

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
122.6K
Shares Outstanding
1.83M

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
Frank H. Hamlin President, Chief Executive Officer & Director 73.6K male
Jennifer N. Weidner Senior Vice President, General Counsel & Secretary female
Joy Ryen Plotnik Senior Vice President of Wealth Premium Solutions female
Vincent K. Yacuzzo Executive Vice President, Treasurer & Chief Financial Officer male
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