Cornerstone Bancorp Valuation

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

CNBP ($78.25) is trading above our estimate of [[fair value]] ($55.98)

Is CNBP undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

Below Fair Value
Significantly Below Fair Value
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Analyst Forecast

Share Price vs Fair Value

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

Below Fair Value: CNBP ($78.25) is trading above our estimate of fair value ($55.98)

Significantly Below Fair Value: CNBP is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for CNBP?

Key metric: As CNBP is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for CNBP. This is calculated by dividing CNBP's market cap by their current earnings.
What is CNBP's PE Ratio?
PE Ratio	8.3x
Earnings	US$9.36m
Market Cap	US$77.79m

CNBP key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue	n/a
Enterprise Value/EBITDA	n/a
PEG Ratio	n/a

Price to Earnings Ratio vs Peers

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

The above table shows the PE ratio for CNBP vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
Company	Forward PE	Estimated Growth	Market Cap
Peer Average	15.6x
LSBK Lake Shore Bancorp	18.7x	n/a	US$77.6m
KTHN Katahdin Bankshares	9x	n/a	US$78.1m
UBCP United Bancorp	10.4x	12.4%	US$75.1m
OFED Oconee Federal Financial	24.5x	n/a	US$81.9m
CNBP Cornerstone Bancorp	8.3x	n/a	US$77.8m

Price-To-Earnings vs Peers: CNBP is good value based on its Price-To-Earnings Ratio (8.3x) compared to the peer average (15.5x).

Price to Earnings Ratio vs Industry

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

4 Companies	Price / Earnings	Estimated Growth	Market Cap
FRCB First Republic Bank	0.02x	n/a	US$27.98m
BKGM BankGuam Holding	1x	n/a	US$18.48m
SBNY Signature Bank	0.002x	n/a	US$2.18m
BCBH.F Caribbean Investment Holdings	0.00001x	n/a	US$132.00

No more companies available in this PE range

4 Companies		Estimated Growth	Market Cap

No more companies

Price-To-Earnings vs Industry: CNBP is good value based on its Price-To-Earnings Ratio (8.3x) compared to the US Banks industry average (12.9x).

Price to Earnings Ratio vs Fair Ratio

What is CNBP'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.

CNBP PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio	8.3x
Fair PE Ratio	n/a

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

Analyst Price Targets

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

Analyst Forecast: Insufficient data to show price forecast.

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