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CNB MI's book value per share for the quarter that ended in Mar. 2026 was $18.16.
During the past 12 months, CNB MI's average Book Value Per Share Growth Rate was 55.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 101.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -9.90% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was -9.50% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the book value growth rate using book value per share data.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of CNB MI was 101.40% per year. The lowest was -54.00% per year. And the median was 0.65% per year.
CNB MI's current price is $28.49. Its book value per share for the quarter that ended in Mar. 2026 was $18.16. Hence, today's PB Ratio of CNB MI is 1.57.
During the past 13 years, the highest P/B Ratio of CNB MI was 9.80. The lowest was 0.68. And the median was 1.14.
Warning Sign:
CNB Corp MI stock PB Ratio (=1.57) is close to 1-year high of 1.72.
CNB MI (OTCPK:CNBZ) Book Value per Share Explanation
Usually a company's book value and Tangible Book per Share may not reflect its true value. The assets may be carried on the balance sheets at the original cost minus depreciation. This may underestimate the true economic values of the assets. It also may over-estimate their true economic value because the assets can become obsolete.
For financial companies such as banks and insurance companies, their assets may be reported in current market value of the assets owned. Book values of financial companies are more accurate indicator of the economic value of the company.
CNB MI Book Value per Share Related Terms
CNB MI Book Value per Share Historical Data
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The historical data trend for CNB MI's Book Value per Share can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
CNBZ vs ELMA, VWFB, PFSB: Book Value per Share Comparison
For the Banks - Regional subindustry, CNB MI's PB Ratio, along with its competitors' market caps and PB Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
CNB MI PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, CNB MI's PB Ratio distribution charts can be found below:
* The bar in red indicates where CNB MI's PB Ratio falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
CNB MI (CNBZ) has a Book Value per Share of $18.16 as of Mar. 2026. Book value per share gives the per-share value of a company's stockholder equity. View historical data on CNB MI and its competitors.
Is CNB MI's Book Value per Share too high?
CNB MI's current Book Value per Share is $18.16. Overall, CNB MI has a GF Score™ of 57/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does CNB MI's Book Value per Share compare to ELMA and VWFB?
CNB MI's Book Value per Share of $18.16 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Book Value per Share for a Banks company?
A good Book Value per Share depends on the Banks industry context. However, Book Value per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Book Value per Share mean?
A high Book Value per Share can signal that a stock is expensive relative to its fundamentals. Book value per share gives the per-share value of a company's stockholder equity. View historical data on CNB MI and its competitors. CNB MI's current Book Value per Share is $18.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CNB MI stock overvalued right now?
Based on GuruFocus' analysis, CNB MI (CNBZ) is currently considered Modestly Overvalued. The stock's GF Value™ is $22.72, compared to a current price of $28.49 — trading 25.4% above its estimated fair value. The current Book Value per Share is $18.16. CNB MI's overall GF Score™ is 57/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Book Value per Share calculated?
Book Value per Share is calculated from a company's financial statements. For CNB MI (CNBZ), the current Book Value per Share is $18.16 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is CNB MI (CNBZ) Overvalued in 2026?
Based on GuruFocus' analysis, CNB MI stock appears to be overvalued.
The current stock price of $28.49 is trading 25.4% above its estimated GF Value™ of $22.72.
GuruFocus considers CNB MI to be Modestly Overvalued.
Key valuation signals for CNBZ:
Book Value per Share: $18.16
GF Value™: $22.72 vs. price of $28.49 (25.4% above fair value)
No single metric tells the full story. See the CNBZ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CNB Corp MI is a one-bank holding company. Through its banking subsidiary, it provides a full range of banking services to individuals, agricultural businesses, commercial businesses, and light industries located in its service area. The Group offers a variety of deposit accounts, including checking, savings, money market, individual retirement accounts, and certificates of deposit, and maintains a diversified loan portfolio, including loans to individuals for home mortgages, personal expenditures, and loans to business enterprises for current operations and expansion. Additionally, it offers ATM services, business credit and debit cards, cash management, and wealth management solutions. The Group serves the Michigan communities and the area immediately surrounding these communities.
57GF Score
Get the complete analysis for CNBZ
Book Value per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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