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Cornerstone BancorpCNBP 61 Net Margin % is 25.75% as of Dec. 2025, which is 7% below its 10-year median of 27.81. 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. Among 1,525 Banks companies, Cornerstone Bancorp ranks worse than 54.23% on this metric.
Cornerstone Bancorp (OTCPK:CNBP) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Cornerstone Bancorp Net Margin % Related Terms
Cornerstone Bancorp Net Margin % Historical Data
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The historical data trend for Cornerstone Bancorp's Net 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, Cornerstone Bancorp's Net Margin %, along with its competitors' market caps and Net 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.
Cornerstone Bancorp Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Cornerstone Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Cornerstone Bancorp's Net 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.
Cornerstone Bancorp (CNBP) has a Net Margin % of 25.75% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Cornerstone Bancorp and its competitors. This is near median its historical median of 27.81. Over the past decade, Cornerstone Bancorp's Net Margin % has ranged from 20.22 to 79.39. According to the industry distribution chart, Cornerstone Bancorp ranks #827 out of 1525 companies in the Banks industry, placing it in the top 54.2%.
Is Cornerstone Bancorp's Net Margin % too high?
Cornerstone Bancorp's current Net Margin % of 25.75% is near median its 10-year median of 27.81. Over the past 10 years, this metric has ranged from a low of 20.22 to a high of 79.39. The Banks industry median Net Margin % is 27.08. Cornerstone Bancorp's value of 25.75% is 4.9% below this industry median. Based on the distribution chart, Cornerstone Bancorp ranks #827 out of 1525 companies in the Banks industry, which is below the industry midpoint. 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 Net Margin % compare to JDVB and MGYR?
According to the Banks industry distribution chart, Cornerstone Bancorp ranks #827 out of 1525 companies for Net Margin %. This places Cornerstone Bancorp in the lower half of its industry. The industry median Net Margin % is 27.08. Cornerstone Bancorp's value of 25.75% is 4.9% below this benchmark. Historically, Cornerstone Bancorp's own Net Margin % has ranged from 20.22 to 79.39 over the past decade. While the company's 10-year median is 27.81 vs. the industry median of 27.08, Cornerstone Bancorp 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.08, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cornerstone Bancorp's current Net Margin % of 25.75% is 4.9% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Cornerstone Bancorp and its competitors. For the Banks industry, the median Net Margin % is 27.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cornerstone Bancorp's current Net Margin % is 25.75%, which is near median its own 10-year median of 27.81. 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 Net Margin % is 25.75%, which is near median its 10-year median of 27.81 and 4.9% below the Banks industry median of 27.08. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Cornerstone Bancorp (CNBP), the current Net Margin % is 25.75% as of Dec. 2025. 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:
Net Margin %: 25.75% (near median its 10-year median of 27.81)
GF Value™: $82.67 vs. price of $120.10 (45.3% above fair value)
Industry Position: 4.9% below the Banks median (#827 of 1525)
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 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
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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