We’ve recently updated our valuation analysis.

CNB Valuation

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

CNBZ ($20) is trading below our estimate of [[fair value]] ($31.03)

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

Valuation Score

4/6

Valuation Score 4/6

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

Key Valuation Metric

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

Other financial metrics that can be useful for relative valuation.

The above table shows the n/a ratio for CNBZ. This is calculated by dividing CNBZ's market cap by their current preferred multiple.
What is CNBZ's n/a Ratio?
n/a Ratio	0x
n/a	n/a
Market Cap	US$24.21m

CNBZ 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 CNBZ's PE Ratio compare to its peers?

The above table shows the PE ratio for CNBZ vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
Company	PE	Estimated Growth	Market Cap
Peer Average	10.8x
ELMA Elmer Bancorp	11.1x	n/a	US$22.8m
GLBZ Glen Burnie Bancorp	16.9x	n/a	US$24.8m
SCYT Security Bancorp	7.6x	n/a	US$21.9m
LOGN Logansport Financial	7.4x	n/a	US$24.3m
CNBZ CNB	8.1x	n/a	US$24.2m

Price-To-Earnings vs Peers: CNBZ is good value based on its Price-To-Earnings Ratio (8.1x) compared to the peer average (10.8x).

Price to Earnings Ratio vs Industry

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

0 Companies	Price / Earnings	Estimated Growth	Market Cap
Industry Avg.	n/a	6.1%
	n/a	n/a	n/a

Price-To-Earnings vs Industry: CNBZ is good value based on its Price-To-Earnings Ratio (8.1x) compared to the US Banks industry average (9.6x)

Price to Earnings Ratio vs Fair Ratio

What is CNBZ'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.

CNBZ PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio	8.1x
Fair PE Ratio	n/a

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

Share Price vs Fair Value

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

Below Fair Value: CNBZ ($20) is trading below our estimate of fair value ($31.03)

Significantly Below Fair Value: CNBZ is trading below fair value by more than 20%.

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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