CNBZ Stock Overview

Operates as the bank holding company for Citizens National Bank that provides various banking services to individuals, agricultural businesses, commercial businesses, and light industries in the United States. More details

CNBZ fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	2/6
Financial Health	3/6
Dividends	4/6

Rewards

Trading at 70.5% below our estimate of its fair value

Risk Analysis

Shares are highly illiquid

Unstable dividend track record

Does not have a meaningful market cap ($21M)

My Notes

Capture your thoughts, links and company narrative

CNB Corporation Competitors

Mauch Chunk Trust Financial

OTCPK:MCHT

US$22.2m

First Robinson Financial

OTCPK:FRFC

US$22.2m

First Sound Bank

OTCPK:FSWA

US$21.5m

Enterprise Financial Services Group

OTCPK:EFSG

US$18.8m

Price History & Performance

Summary of share price highs, lows and changes for CNB
Historical stock prices
Current Share Price	US$18.00
52 Week High	US$20.50
52 Week Low	US$15.25
Beta	-0.24
1 Month Change	0%
3 Month Change	-4.00%
1 Year Change	8.70%
3 Year Change	-19.46%
5 Year Change	-20.00%
Change since IPO	800.00%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	CNBZ	US Banks	US Market
7D	2.9%	-1.1%	-0.4%
1Y	8.7%	29.5%	24.8%

Return vs Industry: CNBZ underperformed the US Banks industry which returned 29.3% over the past year.

Return vs Market: CNBZ underperformed the US Market which returned 23.9% over the past year.

Price Volatility

Is CNBZ's price volatile compared to industry and market?
CNBZ volatility
CNBZ Average Weekly Movement	n/a
Banks Industry Average Movement	5.2%
Market Average Movement	6.3%
10% most volatile stocks in US Market	17.0%
10% least volatile stocks in US Market	3.1%

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

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

About the Company

Founded	Employees	CEO	Website
1931	n/a	Matthew Keene	www.cnbismybank.com

CNB Corporation operates as the bank holding company for Citizens National Bank that provides various banking services to individuals, agricultural businesses, commercial businesses, and light industries in the United States. It offers various deposit products, including checking, savings, money market, and individual retirement accounts; and certificates of deposit. The company also provides personal loans, such as home mortgage, home equity, and auto loans, as well as checkmate lines of credit; and business loans, which include term, equipment, commercial real estate, commercial construction, and small business administration loans, as well as business lines of credit.

CNB Corporation Fundamentals Summary

How do CNB's earnings and revenue compare to its market cap?
CNBZ fundamental statistics
Market cap	US$21.19m
Earnings (TTM)	US$3.15m
Revenue (TTM)	US$16.69m

6.9x

P/E Ratio

1.5x

P/B Ratio

Is CNBZ overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CNBZ income statement (TTM)
Revenue	US$16.69m
Cost of Revenue	US$0
Gross Profit	US$16.69m
Other Expenses	US$13.54m
Earnings	US$3.15m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	2.60
Gross Margin	100.00%
Net Profit Margin	18.87%
Debt/Equity Ratio	231.3%

How did CNBZ perform over the long term?

See historical performance and comparison

Dividends

7.2%

Current Dividend Yield

46%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/24 07:04
End of Day Share Price	2024/12/24 00:00
Earnings	2024/09/30
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 Corporation 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