CINCINNATI BANCORP INC (CNNB)
US17187C1027 - Common Stock
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. CNNB has a bad profitability rating. Also its financial health evaluation is rather negative. CNNB is valued expensive and it does not seem to be growing.
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.
The reported operating cash flow has been mixed in the past 5 years: CNNB reported negative operating cash flow in multiple years.
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's Return On Equity of 4.84% is on the low side compared to the rest of the industry. CNNB is outperformed by 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
CNNB has a Profit Margin of 10.76%. This is in the lower half of the industry: CNNB underperforms 71.76% of its industry peers.
In the last couple of years the Profit Margin of CNNB has declined.
The Operating Margin and Gross Margin are not available for CNNB so they could not be analyzed.
| 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
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.
The debt/assets ratio for CNNB has been reduced compared to a year ago.
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 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 |
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.
The Revenue has decreased by -1.97% in the past year.
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 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.
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.
When comparing the Price/Earnings ratio of CNNB to the average of the S&P500 Index (28.15), we can say CNNB is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.74 | ||
| Fwd PE | N/A |
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 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
5. Dividend
5.1 Amount
No dividends for CNNB!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
CINCINNATI BANCORP INC
NASDAQ:CNNB (2/3/2023, 7:00:01 PM)
15
-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)
DP
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)
EY
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