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Canandaigua National Corporation

Canandaigua National Corporation

CNND
Canandaigua National CorporationUS flagOther OTC
220.00
USD
-10.00
- -
402.90MMarket Cap
Canandaigua National Corporation
CNND
(Other OTC)

Recent

price

220.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2003
2004
2005
2006
2007
2008
2009
2010
2011
2012
2013
2014
2015
2016
2017
2018
TTM
FRC
24.35
25.33
26.79
27.98
29.7
36.94
41.98
46.54
47.81
53.38
53.93
57.1
59.83
63.49
67.99
77.71
53.79
Revenue per Share
5.42
5.53
5.85
6.22
6.54
7.36
8.06
9.35
8.64
9.98
10.26
11.01
11.18
11.97
11.75
19.16
10.23
Basic EPS, GAAP
10.98
6.36
8.87
8.03
10.27
8.99
4.46
9.45
16.57
7.75
25.74
13.09
13.97
17.61
17.54
25.97
25.68
Free Cash Flow per Basic Share
1.19
1.32
1.51
1.75
2
2.25
2.48
2.71
2.86
4.76
1.68
3.51
3.69
3.88
4.3
4.81
1.67
Dividend per Share
29.06
33.17
37.43
41.76
46.11
51.24
57.03
63.29
69.06
73.78
82.04
90.02
96.98
105
112.27
126.29
81.83
Book Value per Share
32.25
36.64
39.87
43.67
47.78
44.31
51.02
57.86
59.28
64.95
71.91
80.22
87.67
94.12
101.88
115.89
71.73
Tangible Book Value per Share
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
2
Basic Weighted Avg Shares
46
49
51
54
57
70
79
88
90
101
102
107
113
119
127
146
102
Sales/Revenue/Turnover
30.79
29.91
30.1
30.16
30.29
27.01
26.02
27.16
- -
26.86
- -
- -
- -
- -
- -
- -
22.29
Operating Margin (%)
3
3
3
3
3
5
5
5
6
7
7
7
7
7
6
6
7
Depreciation Expense
10
11
11
12
12
14
15
18
16
19
19
21
21
22
22
36
19
Net Income, GAAP
27.74
26.96
27.5
26.28
27.31
26.25
26.22
26
27.95
31.18
33.97
33.66
33.96
34.79
43.25
22
33.97
Effective Tax Rate (%)
22.25
21.85
21.83
22.24
22.02
19.92
19.2
20.1
18.07
18.7
19.02
19.29
18.69
18.85
17.28
24.65
19.02
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
21
21
21
52
94
77
61
52
58
56
60
196
249
212
290
357
60
LT Debt
62
70
77
84
92
100
112
124
135
144
157
170
184
194
208
234
157
Total Equity
- -
12.19
11.88
10.2
7.74
7.66
8.66
10.12
- -
9.45
- -
- -
- -
- -
- -
- -
7.2
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
17.81
16.58
15.69
14.85
15.08
14.86
15.55
13.05
13.97
13.19
12.76
11.97
11.84
10.8
16.06
13.19
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Jun'13
Sep'13
Dec'13
ST Debt
- -
- -
- -
LT Borrowings
56
56
60
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
2
2
2
Market Capitalization
251
267
243

Working Capital

FRC

•

in mil. unless spec.
Jun'13
Sep'13
Dec'13
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
173
198
154
Accounts Receivable, Net
6
7
7
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
20
24
23
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
8.83%
8.34%
12.39%
Free Cash Flow
34.74%
6.12%
48.14%
Net Income, GAAP
11.23%
15.22%
63.05%
Sales/Revenue/Turnover
7.7%
7.42%
14.3%
Total Cash Common Dividend
16.65%
28.08%
11.7%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2016
- -
- -
- -
- -
119
2017
- -
- -
- -
- -
127
2018
- -
- -
- -
- -
146

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2016
- -
- -
- -
- -
11.97
2017
- -
- -
- -
- -
11.75
2018
- -
- -
- -
- -
19.16

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2016
- -
- -
- -
- -
3.88
2017
- -
- -
- -
- -
4.3
2018
- -
- -
- -
- -
4.81
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Business
Canandaigua National Corporation operates as the holding company for Canandaigua National Bank, a full-service community bank headquartered in Canandaigua, New York. The company offers a comprehensive range of financial services including retail and commercial banking, trust, investment management, insurance services, mortgage lending, and loan origination. Its main products include checking, savings, and certificate of deposit accounts; commercial and consumer loans; wealth management and estate services; and insurance products targeting individuals, businesses, corporations, and municipalities primarily in the Rochester metropolitan statistical area and expanding into the Syracuse, New York market. Founded in 1887, Canandaigua National Corporation operates through its subsidiaries in New York State with a network of branch offices. In the last 1-2 years, the company has undertaken a major rebranding initiative, simplifying its name to Canandaigua National Bank, accompanied by a new modern logo and refreshed visual identity designed to enhance its customer engagement across both physical and digital channels. The rebranding aligns with the bank's strategic expansion into the Syracuse area, where it has announced plans to open multiple new branches as part of its regional growth strategy. The bank maintains its full suite of services in the new market, including retail banking, commercial lending, mortgage services, wealth management, and insurance. Additionally, Canandaigua National Corporation continues to invest in community and employee-focused initiatives, while navigating regulatory developments such as a recent Federal Reserve Board denial related to proposed real property acquisition activities. The company reported revenue of approximately $182 million in 2024, reflecting steady growth in its banking operations and financial service offerings. Overall, Canandaigua National Corporation is positioned as a locally focused, community-owned financial institution with diversified banking and financial services, emphasizing personalized service through its broad product portfolio and regional branch network spanning the Rochester and Syracuse metropolitan areas. It remains committed to strategic geographic expansion, digital modernization, and sustaining its community-banking heritage.