Risk factor
Critical default risk
Profitability factor
Slightly undervalued vs peers
About
CNB Community Bancorp, Inc. functions as the parent company for County National Bank, offering a comprehensive suite of retail and commercial banking services across Michigan. The bank provides diverse deposit accounts, including various checking and savings options, individual retirement accounts (IRAs), and multiple time deposit and certificate of deposit (CD) products. Its extensive lending portfolio encompasses personal loans for vehicles (automobiles, boats, recreational, and commercial), residential mortgages, and home equity lines of credit. For businesses, financing extends to commercial real estate, equipment, and agricultural needs, alongside specialized offerings such as floor plans and government-guaranteed (SBA, USDA) loans, all available with both fixed and variable interest rates. Additionally, the institution offers insurance products. Customers benefit from convenient access via ATMs, debit and credit cards, and robust mobile, online, and telephone banking services. The bank further provides advanced solutions like remote deposit, automated clearing house (ACH) and cash management, overdraft services, private banking, investment management, and expert advice for trust, estate settlement, retirement, and financial planning. Operating through 13 branches located in Hillsdale, Jackson, Lenawee, and Calhoun counties, the company also maintains 2 loan production offices and a network of 19 ATMs. CNB Community Bancorp, Inc. was established in 1934 and is headquartered in Hillsdale, Michigan.
Company Valuation
Based on key historical and expected multiples, the stock is slightly undervalued relative to its peers. In particular, the stock is underpriced on P/E, of fair value on