CNBB (CNB Community Bancorp) Net Debt Paydown Yield % : -22.56% (As of Aug. 17, 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.

CNBB CNB Community Bancorp Inc CNBB
59 GF Score
Price $51.45
GF Value $49.12
Valuation Fairly Valued
! 6 Warning Signs
View Full Analysis

What is CNB Community Bancorp Net Debt Paydown Yield %?

CNB Community Bancorp CNBB +0.12% 59 Net Debt Paydown Yield % is -22.56% as of Aug. 17, 2026. GuruFocus rates CNBB with a GF Score™ of 59/100 and a GF Value™ of $49.12 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,419 Banks companies, CNB Community Bancorp ranks worse than 84.78% on this metric.

Net Debt Paydown Yield % is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. It is a measure of a company's willingness and ability to reduce its debt. As of today, CNB Community Bancorp's Net Debt Paydown Yield % was -22.56%.


CNB Community Bancorp  (OTCPK:CNBB) Net Debt Paydown Yield % Explanation

Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced. In other words, it is a measure of the willingness and ability of a firm's management to pay down debt. Companies that have high debt paydown yields indicate that they are more aggressive with paying down debt.

In the calculation of Net Debt Paydown Yield %, we use the reductions of TTM average total debt one-year-ago and TTM average total debt at present, divided by its Market Cap.

We calculating the TTM average debt by adding up the total debt, calculated by the sum of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation, in the trailing twelve months(TTM) divided by the counts of the total debt, accoring to the company's report frequency.


CNB Community Bancorp Net Debt Paydown Yield % Related Terms


CNB Community Bancorp Net Debt Paydown Yield % Historical Data

* Premium members only.

The historical data trend for CNB Community Bancorp's Net Debt Paydown Yield % 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 Community Bancorp Net Debt Paydown Yield % Chart

CNB Community Bancorp Annual Data
Trend Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Debt Paydown Yield %
Get a 7-Day Free Trial Premium Member Only 2.30 10.17 -11.33 -68.61 9.62

CNB Community Bancorp Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Net Debt Paydown Yield % 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 -26.02 8.22 9.62 4.35 -23.13

CNBB vs UBOH, USMT, TYBT: Net Debt Paydown Yield % Comparison

For the Banks - Regional subindustry, CNB Community Bancorp's Net Debt Paydown Yield %, along with its competitors' market caps and Net Debt Paydown Yield % 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 Community Bancorp Net Debt Paydown Yield % vs Banks Industry

For the Banks industry and Financial Services sector, CNB Community Bancorp's Net Debt Paydown Yield % distribution charts can be found below:

* The bar in red indicates where CNB Community Bancorp's Net Debt Paydown Yield % falls into.


CNBB
59GF Score
CNB Community Bancorp Inc CNBB
Net Debt Paydown Yield % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

CNB Community Bancorp Net Debt Paydown Yield % Calculation

CNB Community Bancorp's Net Debt Paydown Yield % for the quarter that ended in Jun. 2026 is calculated as:

Net Debt Paydown Yield %
=( TTM Average Debt   (1-Year Ago))-TTM Average Debt )/Market Cap
=( 72.68-96.12 )/101.3538
=-23.13 %

* 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.

* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Net Debt Paydown Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.

What does a Net Debt Paydown Yield % of -22.56% mean?
CNB Community Bancorp (CNBB) has a Net Debt Paydown Yield % of -22.56% as of Aug. 17, 2026. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on CNB Community Bancorp and its competitors. According to the industry distribution chart, CNB Community Bancorp ranks #1203 out of 1419 companies in the Banks industry, placing it in the top 84.8%.
Is CNB Community Bancorp's Net Debt Paydown Yield % too high?
CNB Community Bancorp's current Net Debt Paydown Yield % is -22.56%. Based on the distribution chart, CNB Community Bancorp ranks #1203 out of 1419 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, CNB Community Bancorp has a GF Score™ of 59/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does CNB Community Bancorp's Net Debt Paydown Yield % compare to UBOH and USMT?
According to the Banks industry distribution chart, CNB Community Bancorp ranks #1203 out of 1419 companies for Net Debt Paydown Yield %. This places CNB Community Bancorp in the lower 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 Net Debt Paydown Yield % for a Banks company?
A good Net Debt Paydown Yield % depends on the Banks industry context. However, Net Debt Paydown Yield % 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 Net Debt Paydown Yield % mean?
A high Net Debt Paydown Yield % can signal that a stock is expensive relative to its fundamentals. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on CNB Community Bancorp and its competitors. CNB Community Bancorp's current Net Debt Paydown Yield % is -22.56%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CNB Community Bancorp stock overvalued right now?
Based on GuruFocus' analysis, CNB Community Bancorp (CNBB) is currently considered Fairly Valued. The stock's GF Value™ is $49.12, compared to a current price of $51.45 — trading 4.7% above its estimated fair value. The current Net Debt Paydown Yield % is -22.56%. CNB Community Bancorp's overall GF Score™ is 59/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Debt Paydown Yield % calculated?
Net Debt Paydown Yield % is calculated from a company's financial statements. For CNB Community Bancorp (CNBB), the current Net Debt Paydown Yield % is -22.56% as of Aug. 17, 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 Community Bancorp (CNBB) Overvalued in 2026?

Based on GuruFocus' analysis, CNB Community Bancorp stock appears to be overvalued. The current stock price of $51.45 is trading 4.7% above its estimated GF Value™ of $49.12. GuruFocus considers CNB Community Bancorp to be Fairly Valued.

Key valuation signals for CNBB:

  • Net Debt Paydown Yield %: -22.56%
  • GF Value™: $49.12 vs. price of $51.45 (4.7% above fair value)
  • GF Score™: 59/100 with 6 warning signs

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


CNB Community Bancorp Business Description

Address 1 South Howell Street, Hillsdale, MI, USA, 49242
CNB Community Bancorp Inc is a United States based bank holding company of County National Bank. The bank engaged in offering personal banking and business banking services. It provides checking accounts services, savings accounts services, loans, mortgages, Certificate of deposit, debit card and credit cards, among other services. In addition, the bank is also involved in the Trust and Investment activities.
59GF Score

Get the complete analysis for CNBB

Net Debt Paydown Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$51.45
Price
$49.12
GF Value