How does CNBN's PE Ratio compare to its peers?

CNBN is good value based on its Price-To-Earnings Ratio (6.8x) compared to the peer average (34.4x).

How does CNBN's PE Ratio compare vs other companies in the US Banks Industry?

CNBN is good value based on its Price-To-Earnings Ratio (6.8x) compared to the US Banks industry average (12.5x).

What is CNBN's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate CNBN's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of CNBN when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

CNBN ($19) is trading below our estimate of [[fair value]] ($43.85)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

CNBN Stock Overview

Operates as the bank holding company for CNB Bank & Trust. More details

CNBN fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	5/6
Financial Health	6/6
Dividends	2/6

Rewards

Trading at 56.7% below our estimate of its fair value

Earnings grew by 8.6% over the past year

Risk Analysis

Shares are highly illiquid

Latest financial reports are more than 6 months old

My Notes

Capture your thoughts, links and company narrative

CNB Bank Shares, Inc. Competitors

First Capital

NasdaqCM:FCAP

US$107.2m

CSB Bancorp

OTCPK:CSBB

US$101.7m

SR Bancorp

NasdaqCM:SRBK

US$105.4m

Provident Financial Holdings

NasdaqGS:PROV

US$109.6m

Price History & Performance

Summary of share price highs, lows and changes for CNB Bank Shares
Historical stock prices
Current Share Price	US$19.00
52 Week High	US$19.00
52 Week Low	US$17.00
Beta	0.093
1 Month Change	1.33%
3 Month Change	4.11%
1 Year Change	11.76%
3 Year Change	-14.03%
5 Year Change	6.20%
Change since IPO	1.06%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	CNBN	US Banks	US Market
7D	0%	3.1%	2.8%
1Y	11.8%	29.1%	24.5%

Return vs Industry: CNBN underperformed the US Banks industry which returned 29.1% over the past year.

Return vs Market: CNBN underperformed the US Market which returned 24.5% over the past year.

Price Volatility

Is CNBN's price volatile compared to industry and market?
CNBN volatility
CNBN Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.1%
10% least volatile stocks in US Market	3.1%

Stable Share Price: CNBN's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine CNBN's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1854	n/a	n/a	www.cnbil.com

CNB Bank Shares, Inc. operates as the bank holding company for CNB Bank & Trust. N.A. that provides banking services to individual and corporate customers in south-central Illinois, suburban southwestern Chicago, and the St. Louis metropolitan area. The company offers checking and savings accounts, certificate of deposits, individual retirement accounts, money market accounts, and time deposits; and loans and credits, which include student, commercial real estate, agricultural, business, construction, residential real estate, multifamily real estate, farm real estate, small business, consumer, mortgage, government guaranteed, and working capital loans, as well as lines of credit and letters of credits, home equity and lines of credit, equipment financing, special financing, and loans to acquire existing business.

CNB Bank Shares, Inc. Fundamentals Summary

How do CNB Bank Shares's earnings and revenue compare to its market cap?
CNBN fundamental statistics
Market cap	US$102.73m
Earnings (TTM)	US$15.04m
Revenue (TTM)	US$60.82m

6.8x

P/E Ratio

0.9x

P/B Ratio

Is CNBN overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CNBN income statement (TTM)
Revenue	US$60.82m
Cost of Revenue	US$0
Gross Profit	US$60.82m
Other Expenses	US$45.78m
Earnings	US$15.04m

Last Reported Earnings

Dec 31, 2023

Next Earnings Date

n/a

Earnings per share (EPS)	2.78
Gross Margin	100.00%
Net Profit Margin	24.73%
Debt/Equity Ratio	81.1%

How did CNBN perform over the long term?

See historical performance and comparison

Dividends

2.9%

Current Dividend Yield

23%

Payout Ratio

Does CNBN pay a reliable dividends?

See CNBN dividend history and benchmarks

When do you need to buy CNBN by to receive an upcoming dividend?
CNB Bank Shares dividend dates
Ex Dividend Date	Dec 16 2024
Dividend Pay Date	Dec 31 2024
Days until Ex dividend	11 days
Days until Dividend pay date	4 days

Does CNBN pay a reliable dividends?

See CNBN dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/26 16:39
End of Day Share Price	2024/12/17 00:00
Earnings	2023/12/31
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

CNB Bank Shares, Inc. is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution