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CINCINNATI BANCORP INC (CNNB) Stock Fundamental Analysis

NASDAQ:CNNB - Nasdaq - US17187C1027 - Common Stock - Currency: USD

15  -0.71 (-4.52%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to CNNB. CNNB was compared to 0 industry peers in the Thrifts & Mortgage Finance industry. Both the profitability and financial health of CNNB have multiple concerns. CNNB has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

CNNB had positive earnings in the past year.
CNNB had a positive operating cash flow in the past year.
CNNB Yearly Net Income VS EBIT VS OCF VS FCFCNNB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 0 2M -2M 4M -4M 6M -6M

1.2 Ratios

CNNB's Return On Assets of 0.66% is on the low side compared to the rest of the industry. CNNB is outperformed by 63.53% of its industry peers.
CNNB has a Return On Equity of 4.84%. This is in the lower half of the industry: CNNB underperforms 64.71% of its industry peers.
Industry RankSector Rank
ROA 0.66%
ROE 4.84%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
CNNB Yearly ROA, ROE, ROICCNNB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2 4 6 8

1.3 Margins

CNNB's Profit Margin of 10.76% is on the low side compared to the rest of the industry. CNNB is outperformed by 71.76% of its industry peers.
In the last couple of years the Profit Margin of CNNB has declined.
CNNB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 10.76%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-24.45%
PM growth 5Y-2.2%
GM growth 3YN/A
GM growth 5YN/A
CNNB Yearly Profit, Operating, Gross MarginsCNNB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 5 10 15 20

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2. Health

2.1 Basic Checks

CNNB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CNNB has been reduced compared to 1 year ago.
Compared to 1 year ago, CNNB has an improved debt to assets ratio.
CNNB Yearly Shares OutstandingCNNB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 500K 1M 1.5M 2M 2.5M
CNNB Yearly Total Debt VS Total AssetsCNNB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 50M 100M 150M 200M 250M

2.2 Solvency

CNNB has a debt to FCF ratio of 0.21. This is a very positive value and a sign of high solvency as it would only need 0.21 years to pay back of all of its debts.
CNNB has a better Debt to FCF ratio (0.21) than 62.35% of its industry peers.
CNNB has a Debt/Equity ratio of 0.04. This is a healthy value indicating a solid balance between debt and equity.
CNNB has a Debt to Equity ratio (0.04) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.21
Altman-Z N/A
ROIC/WACCN/A
WACC7.91%
CNNB Yearly LT Debt VS Equity VS FCFCNNB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 0 10M 20M 30M 40M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CNNB Yearly Current Assets VS Current LiabilitesCNNB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 100K 200K 300K

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3. Growth

3.1 Past

CNNB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -35.72%.
The Earnings Per Share has been growing by 16.44% on average over the past years. This is quite good.
CNNB shows a decrease in Revenue. In the last year, the revenue decreased by -1.97%.
CNNB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 19.93% yearly.
EPS 1Y (TTM)-35.72%
EPS 3Y-11.06%
EPS 5Y16.44%
EPS Q2Q%1024.81%
Revenue 1Y (TTM)-1.97%
Revenue growth 3Y18.28%
Revenue growth 5Y19.93%
Sales Q2Q%1.92%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
CNNB Yearly Revenue VS EstimatesCNNB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 5M 10M 15M

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 21.74, CNNB is valued on the expensive side.
Based on the Price/Earnings ratio, CNNB is valued a bit more expensive than the industry average as 63.53% of the companies are valued more cheaply.
CNNB's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 26.54.
Industry RankSector Rank
PE 21.74
Fwd PE N/A
CNNB Price Earnings VS Forward Price EarningsCNNB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of CNNB indicates a somewhat cheap valuation: CNNB is cheaper than 72.94% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 5.6
EV/EBITDA N/A
CNNB Per share dataCNNB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1.32
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

CNNB does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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CINCINNATI BANCORP INC

NASDAQ:CNNB (2/3/2023, 8:00:01 PM)

15

-0.71 (-4.52%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryThrifts & Mortgage Finance
Earnings (Last)11-25 2022-11-25/amc
Earnings (Next)N/A N/A
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners41.84%
Ins Owner Change0%
Market Cap43.29M
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 21.74
Fwd PE N/A
P/S 2.43
P/FCF 5.6
P/OCF 5.56
P/B 1.09
P/tB 1.19
EV/EBITDA N/A
EPS(TTM)0.69
EY4.6%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)2.68
FCFY17.86%
OCF(TTM)2.7
OCFY17.99%
SpS6.19
BVpS13.74
TBVpS12.65
PEG (NY)N/A
PEG (5Y)1.32
Profitability
Industry RankSector Rank
ROA 0.66%
ROE 4.84%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 10.76%
GM N/A
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-24.45%
PM growth 5Y-2.2%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 0.04
Debt/FCF 0.21
Debt/EBITDA N/A
Cap/Depr 26.88%
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 402.45%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC7.91%
ROIC/WACCN/A
Cap/Depr(3y)111.15%
Cap/Depr(5y)84.69%
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-35.72%
EPS 3Y-11.06%
EPS 5Y16.44%
EPS Q2Q%1024.81%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-1.97%
Revenue growth 3Y18.28%
Revenue growth 5Y19.93%
Sales Q2Q%1.92%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y173.56%
FCF growth 3Y98.05%
FCF growth 5Y35.79%
OCF growth 1Y176.61%
OCF growth 3Y95.84%
OCF growth 5Y35.82%