CNBZ (CNB MI) EPS without NRI: $3.26 (TTM As of Mar. 2026)


CNBZ CNB Corp MI CNBZ
54 GF Score
Price $27.00
GF Value $22.68
Valuation Modestly Overvalued
! 3 Warning Signs
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What is CNB MI EPS without NRI?

CNB MI CNBZ 54 EPS without NRI is $3.26 as of Mar. 2026. GuruFocus rates CNBZ with a GF Score™ of 54/100 and a GF Value™ of $22.68 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,413 Banks companies, CNB MI ranks worse than 68.51% on this metric.

CNB MI's earnings per share without non-recurring items for the three months ended in Mar. 2026 was $0.70. Its earnings per share without non-recurring items for the trailing twelve months (TTM) ended in Mar. 2026 was $3.26.

During the past 12 months, CNB MI's average earnings per share (NRI) Growth Rate was 19.60% per year. During the past 3 years, the average earnings per share (NRI) Growth Rate was 1.20% per year. During the past 5 years, the average earnings per share (NRI) Growth Rate was 2.90% per year. During the past 10 years, the average earnings per share (NRI) Growth Rate was 0.00% 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 EPS without NRI Growth Rate using Earnings per share without Non-Recurring Items (NRI) data.

The historical rank and industry rank for CNB MI's EPS without NRI or its related term are showing as below:

CNBZ' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -52.3   Med: 1.95   Max: 89
Current: 1.2

During the past 13 years, CNB MI's highest 3-Year average Earnings Per Share (NRI) Growth Rate was 89.00% per year. The lowest was -52.30% per year. And the median was 1.95% per year.

CNBZ's 3-Year EPS without NRI Growth Rate is ranked worse than
68.51% of 1413 companies
in the Banks industry
Industry Median: 7.2 vs CNBZ: 1.20

CNB MI's EPS (Diluted) for the three months ended in Mar. 2026 was $0.70. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was $3.26.

CNB MI's EPS (Basic) for the three months ended in Mar. 2026 was $0.70. Its EPS (Basic) for the trailing twelve months (TTM) ended in Mar. 2026 was $3.26.


CNB MI  (OTCPK:CNBZ) EPS without NRI Explanation

EPS without NRI removes onetime and unusual items from EPS, to provide investors with a more accurate measure of the company’s true earnings. The earnings are adjusted for items that are irregular or unusual in nature, and/or are non-recurring. This is calculated using Net Income (Continuing Operations) plus/minus any tax affected unusual Items and Goodwill Impairments/Write Offs. This can be used to fairly measure a company's profitability.


Be Aware

Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.

If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.


CNB MI EPS without NRI Related Terms


CNB MI EPS without NRI Historical Data

* Premium members only.

The historical data trend for CNB MI's EPS without NRI 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.

CNB MI EPS without NRI Chart

CNB MI Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EPS without NRI
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.48 3.07 2.92 2.65 3.18

CNB MI Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EPS without NRI Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.62 0.65 1.01 0.90 0.70

CNBZ vs ELMA, VWFB, PFSB: EPS without NRI Comparison

For the Banks - Regional subindustry, CNB MI's PE Ratio without NRI, along with its competitors' market caps and PE Ratio without NRI 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 PE Ratio without NRI vs Banks Industry

For the Banks industry and Financial Services sector, CNB MI's PE Ratio without NRI distribution charts can be found below:

* The bar in red indicates where CNB MI's PE Ratio without NRI falls into.


CNBZ
54GF Score
CNB Corp MI CNBZ
EPS without NRI is just one metric. See GF Score™, valuation, warning signs, and more.
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CNB MI EPS without NRI Calculation

Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.

Earnings Per Share without Non-Recurring Items is the amount of earnings without non-recurring items per outstanding share of the company's stock.

EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.26

* 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.

Frequently Asked Questions Learn more about EPS without NRI →
What does a EPS without NRI of $3.26 mean?
CNB MI (CNBZ) has a EPS without NRI of $3.26 as of Mar. 2026. EPS without NRI represents per-share earnings excluding one-time charges. View historical data on CNB MI and its competitors. According to the industry distribution chart, CNB MI ranks #968 out of 1413 companies in the Banks industry, placing it in the top 68.5%.
Is CNB MI's EPS without NRI too high?
CNB MI's current EPS without NRI is $3.26. The Banks industry median EPS without NRI is 7.20. CNB MI's value of $3.26 is 54.7% below this industry median. Based on the distribution chart, CNB MI ranks #968 out of 1413 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 EPS without NRI compare to ELMA and VWFB?
According to the Banks industry distribution chart, CNB MI ranks #968 out of 1413 companies for EPS without NRI. This places CNB MI in the lower half of its industry. The industry median EPS without NRI is 7.20. CNB MI's value of $3.26 is 54.7% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EPS without NRI for a Banks company?
The median EPS without NRI among Banks companies is 7.20, based on 1,413 companies in the industry. Companies in the top quartile (top 25%) have a EPS without NRI significantly above this median, while those in the bottom quartile fall well below. However, EPS without NRI should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CNB MI's current EPS without NRI of $3.26 is 54.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EPS without NRI mean?
A high EPS without NRI can signal that a stock is expensive relative to its fundamentals. EPS without NRI represents per-share earnings excluding one-time charges. View historical data on CNB MI and its competitors. For the Banks industry, the median EPS without NRI is 7.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CNB MI's current EPS without NRI is $3.26. 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 $22.68, compared to a current price of $27.00 — trading 19% above its estimated fair value. The current EPS without NRI is $3.26 and 54.7% below the Banks industry median of 7.20. CNB MI's overall GF Score™ is 54/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EPS without NRI calculated?
EPS without NRI is calculated from a company's financial statements. For CNB MI (CNBZ), the current EPS without NRI is $3.26 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 $27.00 is trading 19% above its estimated GF Value™ of $22.68. GuruFocus considers CNB MI to be Modestly Overvalued.

Key valuation signals for CNBZ:

  • EPS without NRI: $3.26
  • GF Value™: $22.68 vs. price of $27.00 (19% above fair value)
  • GF Score™: 54/100 with 3 warning signs
  • Industry Position: 54.7% below the Banks median (#968 of 1413)

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 MI Business Description

Address 303 North Main Street, Cheboygan, MI, USA, 49721
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

EPS without NRI is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$27.00
Price
$22.68
GF Value