CNBZ (CNB MI) Quality Rank

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.

CNBZ CNB Corp MI CNBZ
58 GF Score
Price $26.50
GF Value $22.71
Valuation Modestly Overvalued
! 5 Warning Signs
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What is CNB MI Quality Rank?

The Quality Rank measures the business quality of a company relative to other companies. It is ranked based on the strength of the balance sheet, as well as the profitability and growth of the business. The ranked companies are split in equal numbers and then ranked from 1 to 10, with 10 being the highest.

The rank of balance sheet (30%)

The rank of balance sheet is done through the ranking of:
  • Interest coverage
  • Zscore
  • Debt to revenue
  • Equity to asset
  • Cash to debt

The rank of Profitability (70%)

The ranking of Profitability is done by ranking:
  • Operating margin mean rank (10-year mean average profit margine)
  • Operating margin growth rank
  • Fscore
  • Predictability rank
  • Revenue growth rank (5 year), when the growth is higher than 25%, set it as 25%
  • Num of year profit (number of years that is profitable within the last 10 years)
  • ROIC median (10-year median of ROIC)

CNB MI Quality Rank Related Terms

CNBZ
58GF Score
CNB Corp MI CNBZ
Quality Rank is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is CNB MI (CNBZ) Overvalued in 2026?

Based on GuruFocus' analysis, CNB MI stock appears to be overvalued. The current stock price of $26.50 is trading 16.7% above its estimated GF Value™ of $22.71. GuruFocus considers CNB MI to be Modestly Overvalued.

Key valuation signals for CNBZ:

  • Quality Rank:
  • GF Value™: $22.71 vs. price of $26.50 (16.7% above fair value)
  • GF Score™: 58/100 with 5 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.
58GF Score

Get the complete analysis for CNBZ

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

$26.50
Price
$22.71
GF Value