CNB MICNBZ 55 FCF Margin % is 0.00% as of Mar. 2026. GuruFocus rates CNBZ with a GF Score™ of 55/100 and a GF Value™ of $22.63 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,504 Banks companies, CNB MI ranks worse than 63.43% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. CNB MI's Free Cash Flow for the
three
months ended in Mar. 2026 was $0.00 Mil. CNB MI's Revenue for the
three
months ended in Mar. 2026 was $4.90 Mil. Therefore, CNB MI's FCF Margin % for the quarter that ended in Mar. 2026 was 0.00%.
The historical rank and industry rank for CNB MI's FCF Margin % or its related term are showing as below:
CNBZ'
s FCF Margin % Range Over the Past 10 Years
Min: -18.29 Med: 16.18 Max: 31.91
Current: 14.54
During the past 13 years, the highest FCF Margin % of CNB MI was 31.91%. The lowest was -18.29%. And the median was 16.18%.
CNBZ's FCF Margin % is ranked worse than 63.43% of 1504
companies
in the Banks industry
Industry Median: 26.5
vs CNBZ: 14.54
CNB MI FCF Margin % Related Terms
CNB MI FCF Margin % Historical Data
* Premium members only.
The historical data trend for CNB MI's FCF Margin % 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.
For the Banks - Regional subindustry, CNB MI's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, CNB MI's FCF Margin % distribution charts can be found below:
* The bar in red indicates where CNB MI's FCF Margin % 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 FCF Margin % of 0.00% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on CNB MI and its competitors. According to the industry distribution chart, CNB MI ranks #954 out of 1504 companies in the Banks industry, placing it in the top 63.4%.
Is CNB MI's FCF Margin % too high?
CNB MI's current FCF Margin % is 0.00%. Based on the distribution chart, CNB MI ranks #954 out of 1504 companies in the Banks industry, which is below the industry midpoint. Overall, CNB MI has a GF Score™ of 55/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does CNB MI's FCF Margin % compare to AMFC and IBWC?
According to the Banks industry distribution chart, CNB MI ranks #954 out of 1504 companies for FCF Margin %. This places CNB MI in the lower half of its industry. The industry median FCF Margin % is 26.50. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on CNB MI and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CNB MI's current FCF Margin % 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 Fairly Valued. The stock's GF Value™ is $22.63, compared to a current price of $25.00 — trading 10.5% above its estimated fair value. The current FCF Margin % is 0.00%. CNB MI's overall GF Score™ is 55/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For CNB MI (CNBZ), the current FCF Margin % 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 $25.00 is trading 10.5% above its estimated GF Value™ of $22.63.
GuruFocus considers CNB MI to be Fairly Valued.
Key valuation signals for CNBZ:
FCF Margin %: 0.00%
GF Value™: $22.63 vs. price of $25.00 (10.5% 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.
55GF Score
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