CNB Corp (CNBW) fair value: what the stock is really worth
As of Sep 25, 2026: fair value of CNB Corp $11.01, price $97.00, upside -88.7%, quality 58 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Structural break:
The valuation model sees a lasting decline in earnings power for this stock, the confidence band is broken. Treat the target with caution.
Stretched ValuationStrong overvaluation with only moderate quality.
!Fair value $11.01 · Strongly overvalued (−88.7%)
!Quality 58/100
!Weak Growth(revenue 3y −2.3 %/yr)
!Thin margins · 5.2% net margin (TTM)
✓Low debt · generates free cash flow
!Trails peers(2/14)
!Narrow moat34/100
!Evidence only low, so the estimate is less certain
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69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.
How to read this chart
60‑month range $31.97 – $97.00 · fair‑value band $8.26 – $13.77 · the $97.00 price screens above the $11.01 fair value. Dashed = 300-day average. As of Sep 27, 2026.
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CNB Corp. operates as the holding company for The Conway National Bank that provides various banking products and services to families, businesses, and individuals.
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CNB Corp. operates as the holding company for The Conway National Bank that provides various banking products and services to families, businesses, and individuals. It offers regular and NOW checking accounts; passbook, health, and education savings accounts; Christmas club, fixed and variable rate individual retirement, and money market deposit accounts; and certificate of deposits. The company also provides mortgage and construction, auto, home equity, and business loans, as well as credit lines; and debit cards, VISA cards, automated teller machine services, safe deposit boxes, merchant services, and online and mobile banking services. CNB Corp. was founded in 1903 and is based in Conway, South Carolina.
Stock analysis
CNB Corp (CNBW) currently trades at $97.00, while our model-based Fair Value estimate is $11.01, implying the stock looks roughly 781.1% overvalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of $36.06 per share, and 0 of the 4 models we run sit above the $97.00 price.
Bear case: the Multiples group reads lowest at $9.54, and 4 of the 4 models stay below the price. Evidence for this calculation is low.
Scenario range: $8.26 (bear) to $13.77 (bull), the price of $97.00 sits above 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 58/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.
CNB Corp reported revenue of $36.5M in FY2011 versus $37.9M in FY2007, a compound −1.0%/yr. Reported net income was $1.2M in FY2011, compounding −40.5%/yr from FY2007.
Key figures
Market cap $161M · P/E ratio 53.9 · P/S ratio 1.80 · EPS (TTM) $1.80 · Net margin 3.3% · Return on equity 1.6% · Return on assets (EBIT) 0.9% · Operating margin 19.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (low confidence).
What moves the price
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at −89%, CNBW screens richer than that median.
Fair Value models
Bear $8.26Fair Value $11.01Bull $13.77
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.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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.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.38/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−3.8%
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.
−2.3%
’07
’08
’09
’10
’11
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.
−33.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year−33.5%
Dividend (yield on the price)0.0%
Profit margin 2007 to 2011 ⓘ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.39% → 4%
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).
−6.8%
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 −9.0% a year for the price.
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 · 1039 stocks
Beats the industry median on 1/13 measures
Overall it trails its industry peers.
Valuation
Quality Score57 · Above median
Fair Value upside−88.6% · Bottom 25%
Profitability
Return on equity (TTM)1.6% · Bottom 25%
Return on assets0.2% · Bottom 25%
Net margin (TTM)5.2% · Bottom 25%
Operating margin (TTM)19.8% · Bottom 25%
Growth and dividend
Revenue growth3.9% · Below median
Dividend yield (TTM)0.0% · Bottom 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (TTM)53.9× · Priciest 25%
P/B1.80× · Priciest 25%
P/S (TTM)6.01× · Priciest 25%
P/FCF10.5× · Pricier than median
EV/EBITDA39.7× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 10
FUTURE (revenue growth)20· sector 47
PAST (return on equity)6· sector 41
HEALTH (low debt)100· sector 85
DIVIDEND (yield)0· sector 52
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.
Cite: Fair Value Calculator (2026). "CNB Corp Fair Value". https://www.fairvalue-calculator.com/stock/CNBW
Frequently asked questions
Is CNB Corp (CNBW) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of $11.01 versus a price of $97.00, about −89% upside (overvalued).
What is the fair value of CNBW?
Our model-based fair value for CNB Corp is $11.01 (as of Sep 27, 2026), built from audited fundamentals. The current price: $97.00.
What is the quality score of CNBW?
CNB Corp has a Quality Score of 58/100. 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 CNB Corp (CNBW)?
Our model-based price target is the fair value of $11.01 (as of Sep 27, 2026) from 4 valuation models. Cautious scenario $8.26, optimistic scenario $13.77. It is a calculation from audited fundamentals, not an analyst target.
What is the CNB Corp stock forecast for 2026?
Our models put fair value at $11.01, about −89% upside versus a price of $97.00 (overvalued). Cautious scenario $8.26, optimistic scenario $13.77. The calculation is refreshed regularly with new filings.
What is the revenue of CNB Corp (CNBW)?
CNB Corp reported trailing-twelve-month revenue of about $26.8M (latest available figure, as of Sep 27, 2026).
What growth is priced into CNB Corp (CNBW)?
For today's price to be fair in a discounted-cash-flow model, CNB Corp would have to grow free cash flow by -6.8 % per year for five years (discount rate 11.2 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 4 years revenue grew -1.0 % per year. As of Sep 27, 2026.
What discount rate (WACC) does the fair value of CNBW use?
Our models discount CNB Corp at 11.2 %: a base by market capitalisation (micro), damped by beta 0.03, 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 CNB Corp that is -6.8 % 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 CNB Corp (CNBW) delivered so far?
Over the past 4 years revenue at CNB Corp grew -1.0 % a year. The price currently implies -6.8 % 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 CNB Corp (CNBW) growing?
The median revenue growth in the sector is +9.1 % a year. That is the yardstick for the growth priced into CNB Corp (-6.8 % 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 CNB Corp (CNBW)?
The free-cash-flow yield on the price is 9.53 %: that much free cash flow CNB Corp 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 CNB Corp (CNBW)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For CNB Corp it is $11.01 per share (as of Sep 27, 2026), against a price of $97.00. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is CNB Corp stock overvalued or undervalued in 2026?
As of Sep 27, 2026, CNBW trades above its calculated fair value: price $97.00, fair value $11.01, a gap of about −89% (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 CNBW?
No. The price is what the market pays today ($97.00); the fair value is what the company's own numbers justify ($11.01). For CNB Corp the two are $85.99 per share apart. That gap is exactly why we show both numbers side by side.
How much is CNB Corp worth?
The market values CNB Corp at about $161M (market capitalisation, as of Sep 27, 2026). Per share that is $97.00; our models calculate a fair value of $11.01 per share.
What do the bullish and bearish scenarios say about CNBW?
Our models span a range for CNB Corp: cautious scenario $8.26, base $11.01, optimistic $13.77 per share (as of Sep 27, 2026, price $97.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CNBW?
CNB Corp trades at a price-to-earnings ratio of 53.9 (as of Sep 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $11.01 is built from several models across several years. Other multiples: P/B 1.8, P/S 6.0, EV/EBITDA 39.7.
How solid is the balance sheet of CNB Corp (CNBW)?
Balance-sheet figures for CNB Corp (as of Sep 27, 2026): return on equity 1.6%. They feed the Quality Score of 58/100, which measures business quality independently of the share price.
Which stocks are comparable to CNB Corp?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Intesa Sanpaolo S.p.A, 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 CNB Corp stock attractive at the current price?
The data as of Sep 27, 2026: price $97.00, calculated fair value $11.01 (−89%), Quality Score 58/100, from 4 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 CNBW calculated?
We run CNB Corp through 4 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 $11.01, 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 16.1 % above its aggregate fair value. CNB Corp 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 CNB Corp (CNBW)?
The closing price on Sep 25, 2026 was $97.00. Our model-based fair value is $11.01, about −89% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with CNB Corp right now?
The price sits above even our optimistic bull case ($13.77). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (58/100) 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 CNB Corp
How large is the market capitalisation of CNB Corp (CNBW)?
The market capitalisation of CNB Corp is $161M. 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 CNB Corp (CNBW)?
The price-to-sales ratio of CNB Corp is 1.80 (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 CNB Corp (CNBW)?
Earnings per share at CNB Corp are $1.80 (price ÷ EPS = P/E 53.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of CNB Corp (CNBW)?
The net margin of CNB Corp is 3.3% (fiscal year 2011). 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 CNB Corp (CNBW)?
The return on equity (ROE) of CNB Corp is 1.6% (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 CNB Corp (CNBW)?
On an EBIT basis the return on assets of CNB Corp is 0.9% (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 CNB Corp (CNBW)?
The operating margin of CNB Corp is 19.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at CNB Corp (CNBW)?
Revenue at CNB Corp is growing +3.9% versus a year earlier (3y avg −2.3%). 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 CNB Corp (CNBW)?
Earnings per share at CNB Corp are growing +46.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does CNB Corp (CNBW) hold?
CNB Corp holds more cash than debt, $55.0M net (fiscal year 2011). The company holds more cash than debt, a safety cushion.
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Thin data
Sep 27, 2026