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CNB Corporation (CNBZ) Fair Value & Analysis

Financial Services · US · Market cap $30.3M

CC CNB Corporation logo CNB Corporation CNBZ · US
Price$28.00
Fair Value$41.34
Upside+47.6%
Quality65/100
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Evidence: High Range $31.00 – $51.67

Fair value as of: Jun 26, 2026

From 25 valuation models · updated 20 days ago

Fair value updated Jun 26, 2026, revised from $34.22 to $41.34 (+20.8%) since Jun 24, 2026. Share price +12.0% over the past month.

Price vs Fair Value (12 months)

$28.00 $14.59 Fair Value $41.34 Jun 2023 Jul 2026

12‑month range $14.59 – $28.00 · fair‑value band $31.00 – $51.67 · the $28.00 price screens below the $41.34 fair value. As of Jun 26, 2026.

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Analysis

CNB Corporation (CNBZ) currently trades at $28.00, while our model-based Fair Value estimate is $41.34, implying the stock looks roughly 47.6% undervalued today. We read business quality at 65/100 (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, CNB Corporation generated revenue of $19.5M at a net margin of 20.2%. Revenue grew 9.1% year over year. It earns a return on equity of 21.8%. Net debt stands at $15.4M. Fundamentals as of Jun 26, 2026

Our scenario range runs from $31.00 (bear case) to $51.67 (bull case); at $28.00, the current price sits below that range. The share trades near its 52-week high and 65% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 41% fair-value upside, at 48%, CNBZ screens cheaper than that median.

Key figures & financial health

Revenue (TTM) $19.5M
Revenue growth (YoY) +9.1%
Net margin 20.2%
Return on equity 21.8%
Free cash flow $3.5M FY2025
P/E ratio 7.7
More key figures
Operating margin 22.7%
EPS (TTM) $3.26
EPS growth (YoY) +12.9%
Net debt $15.4M FY2025

Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.

About the company

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 mortgages, HELOCs, and home equity loans; auto, boat, Recreational vehicles; and checkmate lines of credit; business loans, which include term, equipment, commercial real estate, commercial construction, and small business administration loans; and business lines of credit. In addition, it offers personal savings, including statement savings, christmas club, insured money market, individual retirement, and health savings accounts; cash and wealth management solutions; night depository, money order, cashier's check, coin counting, notary, and fax; wire transfer …

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

CNB Corporation reported revenue of $22.0M in FY2025 versus $16.0M in FY2021, a compound +8.2%/yr. Reported net income was $3.9M in FY2025, compounding +6.4%/yr from FY2021.

Revenue +8.2%/yr
FY21 $16.0M
FY22 $16.8M
FY23 $18.6M
FY24 $21.4M
FY25 $22.0M
Net income +6.4%/yr
FY21 $3.0M
FY22 $3.7M
FY23 $3.5M
FY24 $3.2M
FY25 $3.9M

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Cite: Fair Value Calculator (2026). "CNB Corporation Fair Value". https://www.fairvalue-calculator.com/stock/CNBZ

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10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jun 26, 2026).

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Banco Bradesco S.A BBD 5,120 ARS 10,240 ARS +100%
Shinhan Financial Group 055550 98,200 KRW 119,210 KRW +21%
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Lloyds Banking Group LYG 4,138 ARS 8,275 ARS +100%
Banco de Chile, CHILE 178.10 CLP 92.69 CLP -48%
Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB 61,300 VND 80,599 VND +31%

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Frequently asked questions

Is CNB Corporation (CNBZ) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $41.34 versus a price of $28.00, about +48% (undervalued). Model-based estimate, not financial advice.
What is the fair value of CNBZ?
Our model-based fair value for CNB Corporation is $41.34 (as of Jun 26, 2026), built from audited fundamentals. The current price is $28.00.
What is the quality score of CNBZ?
CNB Corporation has a Quality Score of 65/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of CNB Corporation (CNBZ)?
CNB Corporation reported trailing-twelve-month revenue of about $19.5M (latest available figure, as of Jun 26, 2026).
What is the net profit margin of CNBZ?
The net profit margin of CNB Corporation is about 20.2%, meaning it keeps roughly 20.2% of revenue as net income. Based on the latest reported figures.

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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Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.