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A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for CNB MI's Debt-to-Equity or its related term are showing as below:
CNBZ'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.99 Med: 0.99 Max: 0.99
Current: 0.98
During the past 13 years, the highest Debt-to-Equity Ratio of CNB MI was 0.99. The lowest was 0.99. And the median was 0.99.
CNBZ's Debt-to-Equity is ranked worse than 66.31% of 1419
companies
in the Banks industry
Industry Median: 0.58
vs CNBZ: 0.98
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
CNB MI Debt-to-Equity Related Terms
CNB MI Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for CNB MI's Debt-to-Equity 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 RBNK, FBPA, BAFN: Debt-to-Equity Comparison
For the Banks - Regional subindustry, CNB MI's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, CNB MI's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where CNB MI's Debt-to-Equity 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 Debt-to-Equity of 0.00 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on CNB MI and its competitors. Over the past decade, CNB MI's Debt-to-Equity has ranged from 0.99 to 0.99. According to the industry distribution chart, CNB MI ranks #941 out of 1419 companies in the Banks industry, placing it in the top 66.3%.
Is CNB MI's Debt-to-Equity too high?
CNB MI's current Debt-to-Equity is 0.00. Over the past 10 years, this metric has ranged from a low of 0.99 to a high of 0.99. Based on the distribution chart, CNB MI ranks #941 out of 1419 companies in the Banks industry, which is below the industry midpoint. Overall, CNB MI has a GF Score™ of 54/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does CNB MI's Debt-to-Equity compare to RBNK and FBPA?
According to the Banks industry distribution chart, CNB MI ranks #941 out of 1419 companies for Debt-to-Equity. This places CNB MI in the lower half of its industry. The industry median Debt-to-Equity is 0.58. Historically, CNB MI's own Debt-to-Equity has ranged from 0.99 to 0.99 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,419 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on CNB MI and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CNB MI's current Debt-to-Equity is 0.00. 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 $22.81, compared to a current price of $28.65 — trading 25.6% above its estimated fair value. The current Debt-to-Equity is 0.00. CNB MI's overall GF Score™ is 54/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For CNB MI (CNBZ), the current Debt-to-Equity is 0.00 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 $28.65 is trading 25.6% above its estimated GF Value™ of $22.81.
GuruFocus considers CNB MI to be Modestly Overvalued.
Key valuation signals for CNBZ:
Debt-to-Equity: 0.00
GF Value™: $22.81 vs. price of $28.65 (25.6% 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.
54GF Score
Get the complete analysis for CNBZ
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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