CNBZ (CNB MI) ROC (Joel Greenblatt) %: % (As of Mar. 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.
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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 $27.00
GF Value $22.70
Valuation Modestly Overvalued
! 5 Warning Signs
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What is CNB MI ROC (Joel Greenblatt) %?

CNB MI CNBZ 58 ROC (Joel Greenblatt) % is % as of Mar. 2026. GuruFocus rates CNBZ with a GF Score™ of 58/100 and a GF Value™ of $22.70 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 46 Banks companies, CNB MI ranks worse than 2173910.87% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

CNBZ
58GF Score
CNB Corp MI CNBZ
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
What does a ROC (Joel Greenblatt) % of % mean?
CNB MI (CNBZ) has a ROC (Joel Greenblatt) % of % as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on CNB MI and its competitors. According to the industry distribution chart, CNB MI ranks #999999 out of 46 companies in the Banks industry.
Is CNB MI's ROC (Joel Greenblatt) % too high?
CNB MI's current ROC (Joel Greenblatt) % is %. Based on the distribution chart, CNB MI ranks #999999 out of 46 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, CNB MI has a GF Score™ of 58/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does CNB MI's ROC (Joel Greenblatt) % compare to ELMA and VWFB?
According to the Banks industry distribution chart, CNB MI ranks #999999 out of 46 companies for ROC (Joel Greenblatt) %. This places CNB MI in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 63.39. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for a Banks company?
The median ROC (Joel Greenblatt) % among Banks companies is 63.39, based on 46 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on CNB MI and its competitors. For the Banks industry, the median ROC (Joel Greenblatt) % is 63.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CNB MI's current ROC (Joel Greenblatt) % is %. 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 Modestly Overvalued. The stock's GF Value™ is $22.70, compared to a current price of $27.00 — trading 18.9% above its estimated fair value. The current ROC (Joel Greenblatt) % is %. CNB MI's overall GF Score™ is 58/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For CNB MI (CNBZ), the current ROC (Joel Greenblatt) % is % as of Mar. 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 $27.00 is trading 18.9% above its estimated GF Value™ of $22.70. GuruFocus considers CNB MI to be Modestly Overvalued.

Key valuation signals for CNBZ:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: $22.70 vs. price of $27.00 (18.9% 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

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$27.00
Price
$22.70
GF Value