CINCINNATI BANCORP INC (CNNB) Fundamental Analysis & Valuation

NASDAQ:CNNB • US17187C1027

15 USD
-0.71 (-4.52%)
Last: Feb 3, 2023, 08:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

This CNNB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

2

Overall CNNB gets a fundamental rating of 2 out of 10. We evaluated CNNB against 0 industry peers in the Thrifts & Mortgage Finance industry. Both the profitability and financial health of CNNB have multiple concerns. CNNB does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

1

1. CNNB Profitability Analysis

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 2016 2017 2018 2019 2020 2021 0 2M -2M 4M -4M 6M -6M

1.2 Ratios

  • The Return On Assets of CNNB (0.66%) is worse than 63.53% of its industry peers.
  • CNNB has a worse Return On Equity (4.84%) than 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 2016 2017 2018 2019 2020 2021 2 4 6 8

1.3 Margins

  • CNNB has a worse Profit Margin (10.76%) than 71.76% of its industry peers.
  • CNNB's Profit Margin has declined in the last couple of years.
  • 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 2016 2017 2018 2019 2020 2021 5 10 15 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. CNNB Health Analysis

2.1 Basic Checks

  • CNNB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • CNNB has less shares outstanding than it did 1 year ago.
  • CNNB has a better debt/assets ratio than last year.
CNNB Yearly Shares OutstandingCNNB Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 50M 100M 150M 200M 250M

2.2 Solvency

  • The Debt to FCF ratio of CNNB is 0.21, which is an excellent value as it means it would take CNNB, only 0.21 years of fcf income to pay off all of its debts.
  • With a decent Debt to FCF ratio value of 0.21, CNNB is doing good in the industry, outperforming 62.35% of the companies in the same industry.
  • 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 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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. CNNB Growth Analysis

3.1 Past

  • The earnings per share for CNNB have decreased strongly by -35.72% in the last year.
  • CNNB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 16.44% yearly.
  • Looking at the last year, CNNB shows a decrease in Revenue. The Revenue has decreased by -1.97% in the last year.
  • The Revenue has been growing by 19.93% on average over the past years. This is quite good.
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 2015 2016 2017 2018 2019 2020 2021 5M 10M 15M

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Find the best growth stocksShow best growing peers

1

4. CNNB Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 21.74 indicates a rather expensive valuation of CNNB.
  • CNNB's Price/Earnings ratio is a bit more expensive when compared to the industry. CNNB is more expensive than 63.53% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.74. CNNB is around the same levels.
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

  • Based on the Price/Free Cash Flow ratio, CNNB is valued a bit cheaper than the industry average as 72.94% of the companies are valued more expensively.
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

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. CNNB Dividend Analysis

5.1 Amount

  • No dividends for CNNB!.
Industry RankSector Rank
Dividend Yield N/A

More info and screens

Find the best dividend stocksShow peers with best dividend

CNNB Fundamentals: All Metrics, Ratios and Statistics

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
Earnings (Next)N/A
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners41.84%
Ins Owner Change0%
Market Cap43.29M
Revenue(TTM)17.85M
Net Income(TTM)1.92M
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
Graham NumberN/A
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
ROICexgc growth 3YN/A
ROICexgc 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%

CINCINNATI BANCORP INC / CNNB FAQ

Can you provide the ChartMill fundamental rating for CINCINNATI BANCORP INC?

ChartMill assigns a fundamental rating of 2 / 10 to CNNB.


What is the valuation status of CINCINNATI BANCORP INC (CNNB) stock?

ChartMill assigns a valuation rating of 2 / 10 to CINCINNATI BANCORP INC (CNNB). This can be considered as Overvalued.


How profitable is CINCINNATI BANCORP INC (CNNB) stock?

CINCINNATI BANCORP INC (CNNB) has a profitability rating of 1 / 10.


What are the PE and PB ratios of CINCINNATI BANCORP INC (CNNB) stock?

The Price/Earnings (PE) ratio for CINCINNATI BANCORP INC (CNNB) is 21.74 and the Price/Book (PB) ratio is 1.09.


What is the financial health of CINCINNATI BANCORP INC (CNNB) stock?

The financial health rating of CINCINNATI BANCORP INC (CNNB) is 3 / 10.