CNBP (Cornerstone Bancorp) Margin of Safety % (DCF FCF Based): -0.43% (As of Aug. 03, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

CNBP Cornerstone Bancorp Inc CNBP
61 GF Score
Price $120.10
GF Value $82.67
Valuation Significantly Overvalued
! 1 Warning Sign
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What is Cornerstone Bancorp Margin of Safety % (DCF FCF Based)?

Cornerstone Bancorp CNBP 61 Margin of Safety % (DCF FCF Based) is -0.43% as of Aug. 03, 2026. GuruFocus rates CNBP with a GF Score™ of 61/100 and a GF Value™ of $82.67 (Significantly Overvalued). The stock has 1 warning sign investors should review.

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-08-03), Cornerstone Bancorp's Predictability Rank is 2-Stars. Cornerstone Bancorp's intrinsic value calculated from the Discounted FCF model is $126.95 and current share price is $120.10. Consequently,

Cornerstone Bancorp's Margin of Safety % (DCF FCF Based) using Discounted FCF model is -0.43%.

CNBP vs JDVB, MGYR, CZBS: Margin of Safety % (DCF FCF Based) Comparison

For the Banks - Regional subindustry, Cornerstone Bancorp's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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.

Cornerstone Bancorp Margin of Safety % (DCF FCF Based) vs Banks Industry

For the Banks industry and Financial Services sector, Cornerstone Bancorp's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where Cornerstone Bancorp's Margin of Safety % (DCF FCF Based) falls into.


CNBP
61GF Score
Cornerstone Bancorp Inc CNBP
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Cornerstone Bancorp Margin of Safety % (DCF FCF Based) Calculation

Cornerstone Bancorp's Margin of Safety % (DCF FCF Based) for today is calculated as

Margin of Safety % (DCF FCF Based)=(Intrinsic Value: DCF (FCF Based)-Current Price)/Intrinsic Value: DCF (FCF Based)
=(119.58-120.10)/119.58
=-0.43 %

* 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.

The intrinsic value is calculated from the Discounted FCF model with default parameters. The calculation method is the same as Discounted Earnings model except free cash flow are used in the calculation instead of earnings per share.

What does a Margin of Safety % (DCF FCF Based) of -0.43% mean?
Cornerstone Bancorp (CNBP) has a Margin of Safety % (DCF FCF Based) of -0.43% as of Aug. 03, 2026. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Cornerstone Bancorp.
Is Cornerstone Bancorp's Margin of Safety % (DCF FCF Based) too high?
Cornerstone Bancorp's current Margin of Safety % (DCF FCF Based) is -0.43%. Overall, Cornerstone Bancorp has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Cornerstone Bancorp's Margin of Safety % (DCF FCF Based) compare to JDVB and MGYR?
Cornerstone Bancorp's Margin of Safety % (DCF FCF Based) of -0.43% 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 Margin of Safety % (DCF FCF Based) for a Banks company?
A good Margin of Safety % (DCF FCF Based) depends on the Banks industry context. However, Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) mean?
A high Margin of Safety % (DCF FCF Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Cornerstone Bancorp. Cornerstone Bancorp's current Margin of Safety % (DCF FCF Based) is -0.43%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Cornerstone Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Cornerstone Bancorp (CNBP) is currently considered Significantly Overvalued. The stock's GF Value™ is $82.67, compared to a current price of $120.10 — trading 45.3% above its estimated fair value. The current Margin of Safety % (DCF FCF Based) is -0.43%. Cornerstone Bancorp's overall GF Score™ is 61/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF FCF Based) calculated?
Margin of Safety % (DCF FCF Based) is calculated from a company's financial statements. For Cornerstone Bancorp (CNBP), the current Margin of Safety % (DCF FCF Based) is -0.43% as of Aug. 03, 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 Cornerstone Bancorp (CNBP) Overvalued in 2026?

Based on GuruFocus' analysis, Cornerstone Bancorp stock appears to be overvalued. The current stock price of $120.10 is trading 45.3% above its estimated GF Value™ of $82.67. GuruFocus considers Cornerstone Bancorp to be Significantly Overvalued.

Key valuation signals for CNBP:

  • Margin of Safety % (DCF FCF Based): -0.43%
  • GF Value™: $82.67 vs. price of $120.10 (45.3% above fair value)
  • GF Score™: 61/100 with 1 warning sign

No single metric tells the full story. See the CNBP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Cornerstone Bancorp Business Description

Address One West Northwest Highway, Palatine, IL, USA, 60067
Cornerstone Bancorp Inc provides financial services to individuals and businesses. The company's primary deposit products are demand deposits, savings, money market, and term certificate accounts, and its primary lending products are commercial and commercial mortgage loans. The company has a mortgage banking operation in which residential mortgage loans are originated and sold to the secondary market. The Corporation has one operating segment: community banking.
61GF Score

Get the complete analysis for CNBP

Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$120.10
Price
$82.67
GF Value