Cornerstone Bancorp Inc (CNBP) fair value: what the stock is really worth
As of Sep 18, 2026: fair value of Cornerstone Bancorp Inc $89.49, price $121, upside -25.8%, quality 59 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $57.75 – $147.03 · fair‑value band $80.04 – $140.22 · the $120.60 price screens above the $89.49 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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Cornerstone Bancorp Inc. operates as the bank holding company for Cornerstone National Bank & Trust Company that provides various financial products and services to individuals and businesses. It offers checking, savings, money market, and individual retirement accounts; and certificates of deposit.
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Cornerstone Bancorp Inc. operates as the bank holding company for Cornerstone National Bank & Trust Company that provides various financial products and services to individuals and businesses. It offers checking, savings, money market, and individual retirement accounts; and certificates of deposit. The company also provides home equity, vehicle, personal, equipment, association, and real estate construction loans; residential mortgages and refinances; construction, and medical and dental practice financing services; commercial and multi-family mortgages; and letters and lines of credit products. In addition, it provides online and mobile banking, payment, cash management, and bill pay services; and personal and business account services. Further, it offers securities custody accounts; investment management services; trust, estate, and guardianship services; and retirement plans. The company operates in the Chicago metropolitan area through its main office in Palatine, Illinois, and branch offices in Crystal Lake, Deer Park, Naperville, and Schaumburg, Illinois. Cornerstone Bancorp Inc. was founded in 2000 and is headquartered in Palatine, Illinois.
Stock analysis
Cornerstone Bancorp Inc (CNBP) currently trades at $120.60, while our model-based Fair Value estimate is $89.49, implying the stock looks roughly 34.8% overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $130.52 per share, and 2 of the 6 models we run sit above the $120.60 price.
Bear case: the Dividend Discount group reads lowest at $27.67, and 4 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: $80.04 (bear) to $140.22 (bull), the price of $120.60 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 59/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Cornerstone Bancorp Inc reported revenue of $59.9M in FY2025 versus $38.1M in FY2021, a compound +12.0%/yr. Reported net income was $10.8M in FY2025, compounding +2.4%/yr from FY2021.
Key figures
Market cap $119M · P/E ratio 11.0 · P/S ratio 1.98 · EPS (TTM) $11.00 · Dividend yield 0.2% · Net margin 18.1% · Return on equity 12.5% · Return on assets (EBIT) 1.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 18% below its 52-week high and 31% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at −26%, CNBP screens cheaper than that median.
Fair Value models
Bear $80.04Fair Value $89.49Bull $140.22
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($7.89 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.81/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+2.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+13.3%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.4%
Start year 2020 (pandemic)
Revenue growth 31 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+18.6%
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’17
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+5.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+5.5%
Dividend (yield on the price)0.2%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.31% → 24%
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−17.1%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −19.0% a year for the price.
Compare Cornerstone Bancorp Inc with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1074 stocks
Beats the industry median on 8/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score59 · Above median
Fair Value upside−26% · Below median
Profitability
Return on equity (TTM)13% · Above median
Return on assets1% · Above median
Net margin (TTM)26% · Below median
Operating margin (TTM)39% · Above median
Growth and dividend
Revenue growth10% · Above median
Dividend yield (TTM)0.2% · Bottom 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (TTM)11.0× · Cheaper than median
P/B1.29× · Pricier than median
P/S (TTM)2.69× · Cheaper than median
P/FCF11.6× · Pricier than median
EV/EBITDA2.8× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 11
FUTURE (revenue growth)52· sector 45
PAST (return on equity)50· sector 41
HEALTH (low debt)0· sector 85
DIVIDEND (yield)4· sector 53
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Is Cornerstone Bancorp Inc (CNBP) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $89.49 versus the last price from Sep 18, 2026 of $120.60, about −26% upside (overvalued).
What is the fair value of CNBP?
Our model-based fair value for Cornerstone Bancorp Inc is $89.49 (as of Sep 24, 2026), built from audited fundamentals. Last price (from Sep 18, 2026): $120.60.
What is the quality score of CNBP?
Cornerstone Bancorp Inc has a Quality Score of 59/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Cornerstone Bancorp Inc (CNBP)?
Our model-based price target is the fair value of $89.49 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario $80.04, optimistic scenario $140.22. It is a calculation from audited fundamentals, not an analyst target.
What is the Cornerstone Bancorp Inc stock forecast for 2026?
Our models put fair value at $89.49, about −26% upside versus the last price from Sep 18, 2026 of $120.60 (overvalued). Cautious scenario $80.04, optimistic scenario $140.22. The calculation is refreshed regularly with new filings.
What is the revenue of Cornerstone Bancorp Inc (CNBP)?
Cornerstone Bancorp Inc reported trailing-twelve-month revenue of about $44.2M (latest available figure, as of Sep 24, 2026).
Does Cornerstone Bancorp Inc pay a dividend?
Cornerstone Bancorp Inc currently shows a dividend yield of about 0.21% relative to its recent price (as of Sep 24, 2026).
What growth is priced into Cornerstone Bancorp Inc (CNBP)?
For today's price to be fair in a discounted-cash-flow model, Cornerstone Bancorp Inc would have to grow free cash flow by -17.1 % per year for five years (discount rate 11.2 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +9.4 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of CNBP use?
Our models discount Cornerstone Bancorp Inc at 11.2 %: a base by market capitalisation (micro), damped by beta 0.06, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Cornerstone Bancorp Inc that is -17.1 % per year a year over ten years, using the same discount rate (11.2 %) and the same formula as our fair value.
How much growth has Cornerstone Bancorp Inc (CNBP) delivered so far?
Over the past 5 years revenue at Cornerstone Bancorp Inc grew +9.4 % a year. The price currently implies -17.1 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Cornerstone Bancorp Inc (CNBP) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Cornerstone Bancorp Inc (-17.1 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Cornerstone Bancorp Inc (CNBP)?
The free-cash-flow yield on the price is 8.59 %: that much free cash flow Cornerstone Bancorp Inc produces per unit of market value. When it exceeds the discount rate of our models (11.2 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Cornerstone Bancorp Inc (CNBP)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Cornerstone Bancorp Inc it is $89.49 per share (as of Sep 24, 2026), against a price of $120.60. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Cornerstone Bancorp Inc stock overvalued or undervalued in 2026?
As of Sep 24, 2026, CNBP trades above its calculated fair value: price $120.60, fair value $89.49, a gap of about −26% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CNBP?
No. The price is what the market pays today ($120.60); the fair value is what the company's own numbers justify ($89.49). For Cornerstone Bancorp Inc the two are $31.11 per share apart. That gap is exactly why we show both numbers side by side.
How much is Cornerstone Bancorp Inc worth?
The market values Cornerstone Bancorp Inc at about $119M (market capitalisation, as of Sep 24, 2026). Per share that is $120.60; our models calculate a fair value of $89.49 per share.
What do the bullish and bearish scenarios say about CNBP?
Our models span a range for Cornerstone Bancorp Inc: cautious scenario $80.04, base $89.49, optimistic $140.22 per share (as of Sep 24, 2026, price $120.60). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CNBP?
Cornerstone Bancorp Inc trades at a price-to-earnings ratio of 11.0 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $89.49 is built from several models across several years. Other multiples: P/B 1.3, P/S 2.7, EV/EBITDA 2.8.
How solid is the balance sheet of Cornerstone Bancorp Inc (CNBP)?
Balance-sheet figures for Cornerstone Bancorp Inc (as of Sep 24, 2026): return on equity 12.5%. They feed the Quality Score of 59/100, which measures business quality independently of the share price.
How far is CNBP from its 52-week high?
Cornerstone Bancorp Inc trades at $120.60, about 18% below its 52-week high of $147.03 and 31% above the low of $92.23 (as of Sep 18, 2026). Distance from the high says nothing about value: that is what the fair value of $89.49 is for.
Which stocks are comparable to Cornerstone Bancorp Inc?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Cornerstone Bancorp Inc stock attractive at the current price?
The data as of Sep 24, 2026: price $120.60, calculated fair value $89.49 (−26%), Quality Score 59/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CNBP calculated?
We run Cornerstone Bancorp Inc through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $89.49, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. Cornerstone Bancorp Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Cornerstone Bancorp Inc (CNBP)?
The latest price we hold is from Sep 18, 2026 and stands at $120.60. Our model-based fair value is $89.49, about −26% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Cornerstone Bancorp Inc right now?
Solid but not exceptional quality (59/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Cornerstone Bancorp Inc
How large is the market capitalisation of Cornerstone Bancorp Inc (CNBP)?
The market capitalisation of Cornerstone Bancorp Inc is $119M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Cornerstone Bancorp Inc (CNBP)?
The price-to-sales ratio of Cornerstone Bancorp Inc is 1.98 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Cornerstone Bancorp Inc (CNBP)?
Earnings per share at Cornerstone Bancorp Inc are $11.00 (price ÷ EPS = P/E 11.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Cornerstone Bancorp Inc (CNBP)?
The dividend yield of Cornerstone Bancorp Inc is 0.2% (payout 2.3%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Cornerstone Bancorp Inc (CNBP)?
The net margin of Cornerstone Bancorp Inc is 18.1% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Cornerstone Bancorp Inc (CNBP)?
The return on equity (ROE) of Cornerstone Bancorp Inc is 12.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Cornerstone Bancorp Inc (CNBP)?
On an EBIT basis the return on assets of Cornerstone Bancorp Inc is 1.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Cornerstone Bancorp Inc (CNBP)?
The operating margin of Cornerstone Bancorp Inc is 39.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Cornerstone Bancorp Inc (CNBP)?
Revenue at Cornerstone Bancorp Inc is growing +10.4% versus a year earlier (3y avg +13.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Cornerstone Bancorp Inc (CNBP)?
Earnings per share at Cornerstone Bancorp Inc are growing +14.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Cornerstone Bancorp Inc (CNBP) hold?
Cornerstone Bancorp Inc holds more cash than debt, $67.3M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Broad data
Sep 24, 2026