CNB MICNBZ -3.96%55 PB Ratio is 1.32 as of Jun. 26, 2026, which is 16% above its 10-year median of 1.14. GuruFocus rates CNBZ with a GF Score™ of 55/100 and a GF Value™ of $22.64 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,516 Banks companies, CNB MI ranks worse than 71.64% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-06-26), CNB MI's share price is $24.01. CNB MI's Book Value per Share for the quarter that ended in Mar. 2026 was $18.16. Hence, CNB MI's PB Ratio of today is 1.32.
The historical rank and industry rank for CNB MI's PB Ratio or its related term are showing as below:
CNBZ'
s PB Ratio Range Over the Past 10 Years
Min: 0.68 Med: 1.14 Max: 9.8
Current: 1.32
During the past 13 years, CNB MI's highest PB Ratio was 9.80. The lowest was 0.68. And the median was 1.14.
CNBZ's PB Ratio is ranked worse than 71.64% of 1516
companies
in the Banks industry
Industry Median: 1.09
vs CNBZ: 1.32
During the past 12 months, CNB MI's average Book Value Per Share Growth Rate was 55.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 101.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -9.90% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was -9.50% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of CNB MI was 101.40% per year. The lowest was -54.00% per year. And the median was 0.65% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
CNB MI PB Ratio Related Terms
CNB MI PB Ratio Historical Data
* Premium members only.
The historical data trend for CNB MI's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, CNB MI's PB Ratio distribution charts can be found below:
* The bar in red indicates where CNB MI's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
CNB MI's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
CNB MI (CNBZ) has a PB Ratio of 1.32 as of Jun. 26, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on CNB MI and its competitors. This is 16% above median its historical median of 1.14. Over the past decade, CNB MI's PB Ratio has ranged from 0.68 to 9.80. According to the industry distribution chart, CNB MI ranks #1086 out of 1516 companies in the Banks industry, placing it in the top 71.6%.
Is CNB MI's PB Ratio too high?
CNB MI's current PB Ratio of 1.32 is 16% above median its 10-year median of 1.14. Over the past 10 years, this metric has ranged from a low of 0.68 to a high of 9.80. The Banks industry median PB Ratio is 1.09. CNB MI's value of 1.32 is 21.1% above this industry median. Based on the distribution chart, CNB MI ranks #1086 out of 1516 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 PB Ratio compare to AMFC and IBWC?
According to the Banks industry distribution chart, CNB MI ranks #1086 out of 1516 companies for PB Ratio. This places CNB MI in the lower half of its industry. The industry median PB Ratio is 1.09. CNB MI's value of 1.32 is 21.1% above this benchmark. Historically, CNB MI's own PB Ratio has ranged from 0.68 to 9.80 over the past decade. While the company's 10-year median is 1.14 vs. the industry median of 1.09, CNB MI has consistently been above 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.09, based on 1,516 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CNB MI's current PB Ratio of 1.32 is 21.1% above 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on CNB MI and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CNB MI's current PB Ratio is 1.32, which is 16% above median its own 10-year median of 1.14. 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 $22.64, compared to a current price of $24.01 — trading 6.1% above its estimated fair value. The current PB Ratio is 1.32, which is 16% above median its 10-year median of 1.14 and 21.1% above the Banks industry median of 1.09. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For CNB MI (CNBZ), the current PB Ratio is 1.32 as of Jun. 26, 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 6.1% above its estimated GF Value™ of $22.64.
GuruFocus considers CNB MI to be Fairly Valued.
Key valuation signals for CNBZ:
PB Ratio: 1.32 (16% above median its 10-year median of 1.14)
GF Value™: $22.64 vs. price of $24.01 (6.1% above fair value)
Industry Position: 21.1% above the Banks median (#1086 of 1516)
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
Get the complete analysis for CNBZ
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CNBZ has been successfully added to your 
