Cornerstone Bancorp Inc (CNBP) Fair Value & Analysis
Financial Services · US · Market cap $115M
Cornerstone Bancorp Inc
CNBP · US
Fair value as of: Jul 26, 2026
From 6 valuation models · updated 15 days ago
Share price +3.1% over the past month.
A solid business, screening 19% undervalued on our models.
What matters now
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
- Our model range runs from $107.15 (bear) to $178.58 (bull), base $142.86. The closer the price sits to the lower half, the larger the margin of safety.
- Quality 58/100 (solid quality) with high evidence: the data supports the verdict.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 26, 2026.
How to read this chart
60‑month range $56.83 – $147.03 · fair‑value band $107.15 – $178.58 · the $120.10 price screens below the $142.86 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 26, 2026.
Analysis
Cornerstone Bancorp Inc (CNBP) currently trades at $120.10, while our model-based Fair Value estimate is $142.86, implying the stock looks roughly 19.0% undervalued today. The Quality Score stands at 58/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, Cornerstone Bancorp Inc generated revenue of $43.1M at a net margin of 26.1%. Revenue grew 13.1% year over year. It earns a return on equity of 12.5%. The balance sheet holds a net cash position of $67.3M. Fundamentals as of Jul 26, 2026
Our scenario range runs from $107.15 (bear case) to $178.58 (bull case); at $120.10, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 18% below its 52-week high and 40% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 19%, CNBP screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 6 models by family
Widest divergence: Multiples ($130.36) versus Dividend Discount ($27.64). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 26, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 52 · Market factors (momentum, volatility) 66
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
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.
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Peer Group
Banks - Regional · 1083 stocks
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.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 26, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,175 IDR | 6,087 IDR | -1% |
| KB Financial Group 105560 | 184,400 KRW | 213,797 KRW | +16% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,970 IDR | 4,891 IDR | +65% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,310 IDR | 7,841 IDR | +82% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 107,900 KRW | 137,259 KRW | +27% |
| Hana Financial Group 086790 | 136,800 KRW | 193,969 KRW | +42% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 193.10 CLP | 152.55 CLP | -21% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,400 VND | 84,201 VND | +42% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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