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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 does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

CNNB had positive earnings in the past year.
In the past year CNNB had a positive cash flow from operations.
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

Looking at the Return On Assets, with a value of 0.66%, CNNB is doing worse than 63.53% of the companies in the same industry.
With a Return On Equity value of 4.84%, CNNB is not doing good in the industry: 64.71% of the companies in the same industry are doing better.
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

The Profit Margin of CNNB (10.76%) is worse than 71.76% of its industry peers.
CNNB's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for CNNB so they could not be analyzed.
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.
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 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

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.
Looking at the Debt to FCF ratio, with a value of 0.21, CNNB is in the better half of 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.
With a Debt to Equity ratio value of 0.04, CNNB perfoms like the industry average, outperforming 50.59% of the companies in the same 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

The earnings per share for CNNB have decreased strongly by -35.72% in the last year.
Measured over the past years, CNNB shows a quite strong growth in Earnings Per Share. The EPS has been growing by 16.44% on average per year.
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 2014 2015 2016 2017 2018 2019 2020 2021 5M 10M 15M

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 21.74, the valuation of CNNB can be described as rather expensive.
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 24.95. 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 72.94% of the companies 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%