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    Financial Services

  3. •

    Banks - Regional
CNB Corporation

CNB Corporation

CNBZ
CNB CorporationUS flagOther OTC
25.00
USD
- -
- -
30.27MMarket Cap
2011 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
8.18
8.5
8.06
8.81
8.89
9.73
10.8
12.84
12.73
13.36
13.45
14.35
- -
16.29
Basic EPS, GAAP
-2.22
1.56
1.39
1.37
1.08
-0.64
1.58
2.32
2.48
3.06
2.92
2.65
- -
3.27
Free Cash Flow per Basic Share
1.39
2.33
0.8
1.56
0.95
2.57
0.53
-2.35
2.26
4.26
-0.97
2.51
- -
- -
Dividend per Share
- -
0.3
0.15
0.5
0.8
0.8
0.8
0.8
0.9
0.9
0.9
0.9
- -
- -
Book Value per Share
-0.66
3.89
5.13
6.02
6.84
5.4
6.2
7.72
9.31
11.48
12.87
14.63
- -
17.2
Tangible Book Value per Share
14.87
18.76
19.72
18.97
19.36
19.77
22.44
25.3
24.06
2.19
7.4
8.53
- -
18.26
Basic Weighted Avg Shares
1
1
1
1
1
1
1
1
1
1
1
1
- -
1
Sales/Revenue/Turnover
10
10
10
11
11
12
13
16
15
16
16
17
19
20
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1
1
- -
- -
- -
- -
1
- -
- -
- -
- -
1
1
- -
Net Income, GAAP
-3
2
2
2
1
-1
2
3
3
4
4
3
4
4
Effective Tax Rate (%)
- -
29.39
18.14
27.2
43.68
6.42
16.37
17.97
18.08
18.77
18.71
18.24
18.72
18.72
Profit Margin (%)
-27.16
18.36
17.24
15.55
12.15
-6.57
14.63
18.07
19.48
22.94
21.72
18.5
20.06
20.1
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
57
- -
21
- -
Total Equity
18
23
24
23
24
24
27
31
29
3
9
10
22
22
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
- -
30.84
24.54
16.85
-10.46
27.19
33.32
29.11
29.47
23.99
19.3
20.17
20.45

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1
1
1
Market Capitalization
28
26
29

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
30
9
8
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
29.33%
53.37%
110.24%
Free Cash Flow
-99.26%
-119.34%
-6.12%
Net Income, GAAP
-44.47%
7.27%
19.79%
Sales/Revenue/Turnover
7.11%
4.37%
10.5%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
4
4
5
5
17
2025
4
5
5
5
19
2026
5
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.54
- -
- -
- -
2.65
2025
0.62
- -
- -
- -
- -
2026
0.7
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.9
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

APIChat
CEO
Matthew E. Keene
Full Time Employees
79
Sector
Financial Services
Industry
Banks - Regional
Address
303 North Main Street Cheboygan MI United States of America 49721
IPO Date
May 9, 2007
Website
cnbismybank.com
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Business
CNB Corporation serves as the bank holding entity for Citizens National Bank, providing a comprehensive suite of financial services to individuals, agricultural enterprises, commercial businesses, and various light industries across lower northern Michigan. The institution offers diverse deposit solutions, including checking, savings, money market, and individual retirement accounts, alongside certificates of deposit. Clients can access personal lending options such as home mortgage, home equity, and vehicle loans for autos, boats, and recreational vehicles, in addition to flexible lines of credit. For businesses, the bank extends term loans, equipment financing, commercial real estate and construction loans, Small Business Administration (SBA) lending, and business lines of credit. Furthermore, Citizens National Bank delivers sophisticated cash and wealth management solutions, supported by a range of supplementary services like night depository, money orders, cashier's checks, coin counting, notary, fax, and wire transfers, along with safe deposit boxes. Modern convenience is emphasized through robust digital offerings, including mobile and online banking, e-statements, bill payment, remote deposit capture, and direct deposit services, complemented by debit, ATM, merchant, prepaid, payroll, gift, and credit cards. The corporation maintains a localized presence with multiple banking centers situated throughout the communities of Cheboygan, Presque Isle, and Emmet counties. Established in 1931, CNB Corporation continues to be headquartered in Cheboygan, Michigan.