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CNB MICNBZ 53 Equity-to-Asset is 0.05 as of Jun. 2026, which is 17% below its 10-year median of 0.06. GuruFocus rates CNBZ with a GF Score™ of 53/100 and a GF Value™ of $23.64 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,521 Banks companies, CNB MI ranks worse than 91.32% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. CNB MI's Total Stockholders Equity for the quarter that ended in Jun. 2026 was $22.69 Mil. CNB MI's Total Assets for the quarter that ended in Jun. 2026 was $471.05 Mil.
Therefore, CNB MI's Equity to Asset Ratio for the quarter that ended in Jun. 2026 was 0.05.
The historical rank and industry rank for CNB MI's Equity-to-Asset or its related term are showing as below:
CNBZ'
s Equity-to-Asset Range Over the Past 10 Years
Min: -0.01 Med: 0.06 Max: 0.09
Current: 0.05
During the past 13 years, the highest Equity to Asset Ratio of CNB MI was 0.09. The lowest was -0.01. And the median was 0.06.
CNBZ's Equity-to-Asset is ranked worse than 91.32% of 1521
companies
in the Banks industry
Industry Median: 0.1
vs CNBZ: 0.05
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
CNB MI Equity-to-Asset Related Terms
CNB MI Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for CNB MI's Equity-to-Asset 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 FPBC, FBPA, RBNK: Equity-to-Asset Comparison
For the Banks - Regional subindustry, CNB MI's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, CNB MI's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where CNB MI's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
CNB MI's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.05 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on CNB MI and its competitors. This is 17% below median its historical median of 0.06. According to the industry distribution chart, CNB MI ranks #1389 out of 1521 companies in the Banks industry, placing it in the top 91.3%.
Is CNB MI's Equity-to-Asset too high?
CNB MI's current Equity-to-Asset of 0.05 is 17% below median its 10-year median of 0.06. The Banks industry median Equity-to-Asset is 0.10. CNB MI's value of 0.05 is 50% below this industry median. Based on the distribution chart, CNB MI ranks #1389 out of 1521 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, CNB MI has a GF Score™ of 53/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does CNB MI's Equity-to-Asset compare to FPBC and FBPA?
According to the Banks industry distribution chart, CNB MI ranks #1389 out of 1521 companies for Equity-to-Asset. This places CNB MI in the lower half of its industry. The industry median Equity-to-Asset is 0.10. CNB MI's value of 0.05 is 50% below this benchmark. While the company's 10-year median is 0.06 vs. the industry median of 0.10, CNB MI has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,521 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CNB MI's current Equity-to-Asset of 0.05 is 50% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on CNB MI and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CNB MI's current Equity-to-Asset is 0.05, which is 17% below median its own 10-year median of 0.06. 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 $23.64, compared to a current price of $30.15 — trading 27.5% above its estimated fair value. The current Equity-to-Asset is 0.05, which is 17% below median its 10-year median of 0.06 and 50% below the Banks industry median of 0.10. CNB MI's overall GF Score™ is 53/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For CNB MI (CNBZ), the current Equity-to-Asset is 0.05 as of Jun. 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 $30.15 is trading 27.5% above its estimated GF Value™ of $23.64.
GuruFocus considers CNB MI to be Modestly Overvalued.
Key valuation signals for CNBZ:
Equity-to-Asset: 0.05 (17% below median its 10-year median of 0.06)
GF Value™: $23.64 vs. price of $30.15 (27.5% above fair value)
Industry Position: 50% below the Banks median (#1389 of 1521)
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.
53GF Score
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