CNBZ (CNB MI) Moat Score: 3/10 (As of Jul. 02, 2026)


CNBZ CNB Corp MI CNBZ
55 GF Score
Price $24.01
GF Value $22.66
Valuation Fairly Valued
! 3 Warning Signs
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What is CNB MI Moat Score?

CNB MI CNBZ -3.96% 55 Moat Score is 3 as of Jul. 02, 2026. GuruFocus rates CNBZ with a GF Score™ of 55/100 and a GF Value™ of $22.66 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,612 Banks companies, CNB MI ranks better than 74.5% on this metric.

CNB MI has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

CNB MI has No Moat: CNB Corp MI operates in a competitive banking industry with limited market share and no significant cost advantages or proprietary technology. The company lacks strong brand strength or regulatory barriers that would provide a sustainable competitive advantage.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes CNB MI might have No Moat - Very weak/transient advantages.

CNB MI  (OTCPK:CNBZ) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

CNB MI Moat Score Related Terms

CNBZ vs ELMA, VWFB, PFSB: Moat Score Comparison

For the Banks - Regional subindustry, CNB MI's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, CNB MI's Moat Score distribution charts can be found below:

* The bar in red indicates where CNB MI's Moat Score falls into.


CNBZ
55GF Score
CNB Corp MI CNBZ
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
CNB MI (CNBZ) has a Moat Score of 3 as of Jul. 02, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, CNB MI ranks #411 out of 1612 companies in the Banks industry, placing it in the top 25.5%.
Is CNB MI's Moat Score too high?
CNB MI's current Moat Score is 3. Based on the distribution chart, CNB MI ranks #411 out of 1612 companies in the Banks industry, which is above 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 Moat Score compare to ELMA and VWFB?
According to the Banks industry distribution chart, CNB MI ranks #411 out of 1612 companies for Moat Score. This puts CNB MI in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. CNB MI's current Moat Score is 3. 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 $22.66, compared to a current price of $24.01 — trading 6% above its estimated fair value. The current Moat Score is 3. CNB MI's overall GF Score™ is 55/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For CNB MI (CNBZ), the current Moat Score is 3 as of Jul. 02, 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 $24.01 is trading 6% above its estimated GF Value™ of $22.66. GuruFocus considers CNB MI to be Fairly Valued.

Key valuation signals for CNBZ:

  • Moat Score: 3
  • GF Value™: $22.66 vs. price of $24.01 (6% above fair value)
  • GF Score™: 55/100 with 3 warning signs

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.
55GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$24.01
Price
$22.66
GF Value