Fundamental Analysis of CINCINNATI BANCORP INC(NASDAQ:CNNB) stock

Fundamental Rating

Taking everything into account, CNNB scores 2 out of 10 in our fundamental rating. 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.

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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.

In the past 5 years CNNB has always been profitable.

In multiple years CNNB reported negative operating cash flow during the last 5 years.

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 Rank	Sector 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

1.3 Margins

Looking at the Profit Margin, with a value of 10.76%, CNNB is doing worse than 71.76% of the companies in the same industry.

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 Rank	Sector 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

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's Debt to FCF ratio of 0.21 is fine compared to the rest of the industry. CNNB outperforms 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 Rank	Sector Rank
Debt/Equity	0.04
Debt/FCF	0.21
Altman-Z	N/A

ROIC/WACCN/A

WACC7.91%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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.

The Revenue has decreased by -1.97% in the past year.

Measured over the past years, CNNB shows a quite strong growth in Revenue. The Revenue has been growing by 19.93% on average per year.

EPS 1Y (TTM)-35.72%

EPS 3Y-11.06%

EPS 5Y16.44%

EPS growth Q2Q1024.81%

Revenue 1Y (TTM)-1.97%

Revenue growth 3Y18.28%

Revenue growth 5Y19.93%

Revenue growth Q2Q1.92%

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 21.74, which indicates a rather expensive current 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 28.28. CNNB is valued slightly cheaper when compared to this.

		Industry Rank	Sector Rank
PE	21.74
Fwd PE	N/A

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 Rank	Sector Rank
P/FCF	5.6
EV/EBITDA	N/A

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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5. Dividend

5.1 Amount

CNNB does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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CINCINNATI BANCORP INC

NASDAQ:CNNB (2/3/2023, 7:00:01 PM)

-0.71 (-4.52%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryThrifts & Mortgage Finance

Earnings (Last)

Earnings (Next)

Inst Owners

Inst Owner Change

Ins Owners

Ins Owner Change

Market Cap43.29M

Analysts

Price Target

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Dividend Growth(5Y)

Div Incr Years

Div Non Decr Years

Ex-Date

Surprises & Revisions

EPS beat(2)

Avg EPS beat(2)

Min EPS beat(2)

Max EPS beat(2)

EPS beat(4)

Avg EPS beat(4)

Min EPS beat(4)

Max EPS beat(4)

EPS beat(8)

Avg EPS beat(8)

EPS beat(12)

Avg EPS beat(12)

EPS beat(16)

Avg EPS beat(16)

Revenue beat(2)

Avg Revenue beat(2)

Min Revenue beat(2)

Max Revenue beat(2)

Revenue beat(4)

Avg Revenue beat(4)

Min Revenue beat(4)

Max Revenue beat(4)

Revenue beat(8)

Avg Revenue beat(8)

Revenue beat(12)

Avg Revenue beat(12)

Revenue beat(16)

Avg Revenue beat(16)

PT rev (1m)

PT rev (3m)

EPS NQ rev (1m)

EPS NQ rev (3m)

EPS NY rev (1m)

EPS NY rev (3m)

Revenue NQ rev (1m)

Revenue NQ rev (3m)

Revenue NY rev (1m)

Revenue NY rev (3m)

Valuation

		Industry Rank	Sector Rank
PE	21.74
Fwd PE	N/A
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA

EPS(TTM)

EPS(NY)

Fwd EY

FCF(TTM)

FCFY

OCF(TTM)

OCFY

SpS

BVpS

TBVpS

PEG (NY)N/A

PEG (5Y)1.32

Profitability

		Industry Rank	Sector Rank
ROA	0.66%
ROE	4.84%
ROCE
ROIC
ROICexc
ROICexgc
OM	N/A
PM (TTM)	10.76%
GM	N/A
FCFM

ROA(3y)

ROA(5y)

ROE(3y)

ROE(5y)

ROIC(3y)

ROIC(5y)

ROICexc(3y)

ROICexc(5y)

ROICexgc(3y)

ROICexgc(5y)

ROCE(3y)

ROCE(5y)

ROICexcg growth 3Y

ROICexcg growth 5Y

ROICexc growth 3Y

ROICexc growth 5Y

OM growth 3Y

OM growth 5Y

PM growth 3Y

PM growth 5Y

GM growth 3Y

GM growth 5Y

F-Score

Asset Turnover0.06

Health

		Industry Rank	Sector Rank
Debt/Equity	0.04
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z

F-Score

WACC

ROIC/WACC

Cap/Depr(3y)

Cap/Depr(5y)

Cap/Sales(3y)

Cap/Sales(5y)

Profit Quality(3y)

Profit Quality(5y)

Growth

EPS 1Y (TTM)-35.72%

EPS 3Y-11.06%

EPS 5Y

EPS growth Q2Q

EPS Next YN/A

EPS Next 2Y

EPS Next 3Y

EPS Next 5Y

Revenue 1Y (TTM)-1.97%

Revenue growth 3Y18.28%

Revenue growth 5Y

Revenue growth Q2Q

Revenue Next Year

Revenue Next 2Y

Revenue Next 3Y

Revenue Next 5Y

EBIT growth 1Y

EBIT growth 3Y

EBIT growth 5Y

EBIT Next Year

EBIT Next 3Y

EBIT Next 5Y

FCF growth 1Y

FCF growth 3Y

FCF growth 5Y

OCF growth 1Y

OCF growth 3Y

OCF growth 5Y

CINCINNATI BANCORP INC (CNNB)

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

More info and screens