CNBP (Cornerstone Bancorp) ROE % Adjusted to Book Value: 7.78% (As of Dec. 2025)

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.

CNBP Cornerstone Bancorp Inc CNBP
61 GF Score
Price $120.10
GF Value $82.68
Valuation Significantly Overvalued
! 1 Warning Sign
View Full Analysis

What is Cornerstone Bancorp ROE % Adjusted to Book Value?

Cornerstone Bancorp CNBP 61 ROE % Adjusted to Book Value is 7.78% as of Dec. 2025. GuruFocus rates CNBP with a GF Score™ of 61/100 and a GF Value™ of $82.68 (Significantly Overvalued). The stock has 1 warning sign investors should review.

Cornerstone Bancorp's ROE % for the quarter that ended in Dec. 2025 was 12.53%. Cornerstone Bancorp's PB Ratio for the quarter that ended in Dec. 2025 was 1.61. Cornerstone Bancorp's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 7.78%.


Cornerstone Bancorp ROE % Adjusted to Book Value Related Terms


Cornerstone Bancorp ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for Cornerstone Bancorp's ROE % Adjusted to Book Value 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.

Cornerstone Bancorp ROE % Adjusted to Book Value Chart

Cornerstone Bancorp Annual Data
Trend Dec02 Dec03 Dec04 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 16.82 17.05 17.38 12.65 7.78

Cornerstone Bancorp Semi-Annual Data
Dec94 Dec95 Dec96 Dec97 Dec98 Dec99 Dec00 Dec01 Dec02 Dec03 Dec04 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value 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 Premium Member Only 16.82 17.05 17.38 12.65 7.78

CNBP vs JDVB, MGYR, CZBS: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, Cornerstone Bancorp's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Cornerstone Bancorp's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Cornerstone Bancorp's ROE % Adjusted to Book Value falls into.


CNBP
61GF Score
Cornerstone Bancorp Inc CNBP
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Cornerstone Bancorp ROE % Adjusted to Book Value Calculation

Cornerstone Bancorp's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=12.53% / 1.61
=7.78%

Cornerstone Bancorp's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=12.53% / 1.61
=7.78%

* 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.

What does a ROE % Adjusted to Book Value of 7.78% mean?
Cornerstone Bancorp (CNBP) has a ROE % Adjusted to Book Value of 7.78% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Cornerstone Bancorp and its competitors.
Is Cornerstone Bancorp's ROE % Adjusted to Book Value too high?
Cornerstone Bancorp's current ROE % Adjusted to Book Value is 7.78%. 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 ROE % Adjusted to Book Value compare to JDVB and MGYR?
Cornerstone Bancorp's ROE % Adjusted to Book Value of 7.78% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Cornerstone Bancorp and its competitors. Cornerstone Bancorp's current ROE % Adjusted to Book Value is 7.78%. 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 $82.68, compared to a current price of $120.10 — trading 45.3% above its estimated fair value. The current ROE % Adjusted to Book Value is 7.78%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Cornerstone Bancorp (CNBP), the current ROE % Adjusted to Book Value is 7.78% 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 $82.68. GuruFocus considers Cornerstone Bancorp to be Significantly Overvalued.

Key valuation signals for CNBP:

  • ROE % Adjusted to Book Value: 7.78%
  • GF Value™: $82.68 vs. price of $120.10 (45.3% above fair value)
  • GF Score™: 61/100 with 1 warning sign

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 Business Description

Address One West Northwest Highway, Palatine, IL, USA, 60067
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

Get the complete analysis for CNBP

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$120.10
Price
$82.68
GF Value