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CNBP (Cornerstone Bancorp) Return-on-Tangible-Equity : 12.65% (As of Dec. 2024)


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What is Cornerstone Bancorp Return-on-Tangible-Equity?

Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Cornerstone Bancorp's annualized net income for the quarter that ended in Dec. 2024 was $9.76 Mil. Cornerstone Bancorp's average shareholder tangible equity for the quarter that ended in Dec. 2024 was $77.12 Mil. Therefore, Cornerstone Bancorp's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2024 was 12.65%.

The historical rank and industry rank for Cornerstone Bancorp's Return-on-Tangible-Equity or its related term are showing as below:

CNBP' s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 8.05   Med: 14.41   Max: 19.6
Current: 12.65

During the past 13 years, Cornerstone Bancorp's highest Return-on-Tangible-Equity was 19.60%. The lowest was 8.05%. And the median was 14.41%.

CNBP's Return-on-Tangible-Equity is ranked better than
62.97% of 1580 companies
in the Banks industry
Industry Median: 10.35 vs CNBP: 12.65

Cornerstone Bancorp Return-on-Tangible-Equity Historical Data

The historical data trend for Cornerstone Bancorp's Return-on-Tangible-Equity 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.

* Premium members only.

Cornerstone Bancorp Return-on-Tangible-Equity Chart

Cornerstone Bancorp Annual Data
Trend Dec01 Dec02 Dec03 Dec04 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Return-on-Tangible-Equity
Get a 7-Day Free Trial Premium Member Only Premium Member Only 19.60 18.84 17.73 16.16 12.65

Cornerstone Bancorp Semi-Annual Data
Dec94 Dec95 Dec96 Dec97 Dec98 Dec99 Dec00 Dec01 Dec02 Dec03 Dec04 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Return-on-Tangible-Equity 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 19.60 18.84 17.73 16.16 12.65

Competitive Comparison of Cornerstone Bancorp's Return-on-Tangible-Equity

For the Banks - Regional subindustry, Cornerstone Bancorp's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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's Return-on-Tangible-Equity Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Cornerstone Bancorp's Return-on-Tangible-Equity distribution charts can be found below:

* The bar in red indicates where Cornerstone Bancorp's Return-on-Tangible-Equity falls into.


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Cornerstone Bancorp Return-on-Tangible-Equity Calculation

Cornerstone Bancorp's annualized Return-on-Tangible-Equity for the fiscal year that ended in Dec. 2024 is calculated as

Return-on-Tangible-Equity=Net Income/( (Total Tangible Equity+Total Tangible Equity)/ count )
(A: Dec. 2024 )  (A: Dec. 2023 )(A: Dec. 2024 )
=Net Income/( (Total Stockholders Equity - Intangible Assets+Total Stockholders Equity - Intangible Assets )/ count )
(A: Dec. 2024 )  (A: Dec. 2023 )(A: Dec. 2024 )
=9.76/( (73.246+81.003 )/ 2 )
=9.76/77.1245
=12.65 %

Cornerstone Bancorp's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2024 is calculated as

Return-on-Tangible-Equity=Net Income/( (Total Tangible Equity+Total Tangible Equity)/ count )
(Q: Dec. 2024 )  (Q: Dec. 2023 )(Q: Dec. 2024 )
=Net Income/( (Total Stockholders Equity - Intangible Assets+Total Stockholders Equity - Intangible Assets)/ count )
(Q: Dec. 2024 )  (Q: Dec. 2023 )(Q: Dec. 2024 )
=9.76/( (73.246+81.003)/ 2 )
=9.76/77.1245
=12.65 %

* 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.

In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data, the net income data used here is one times the annual (Dec. 2024) net income data. Return-on-Tangible-Equity is displayed in the 10-year financial page.


Cornerstone Bancorp  (OTCPK:CNBP) Return-on-Tangible-Equity Explanation

Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.


Be Aware

Net Income is used.

Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.

Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.


Cornerstone Bancorp Return-on-Tangible-Equity Related Terms

Thank you for viewing the detailed overview of Cornerstone Bancorp's Return-on-Tangible-Equity provided by GuruFocus.com. Please click on the following links to see related term pages.


Cornerstone Bancorp Business Description

Traded in Other Exchanges
N/A
Address
One West Northwest Highway, Palatine, IL, USA, 60067
Cornerstone Bancorp Inc provides financial services to individuals and businesses. It offers commercial banking and investment services such as demand deposits, savings, money market, and term certificate accounts, and commercial mortgage loans. The company is also engaged in providing commercial lending services which include equipment, real estate, and construction loans. Its target client base consists of individuals and businesses in the Chicago metropolitan area.