CNBZ (CNB MI) ROE % Adjusted to Book Value: 11.52% (As of Mar. 2026)

CNB MI CNBZ -3.96% 55 ROE % Adjusted to Book Value is 11.52% as of Mar. 2026. GuruFocus rates CNBZ with a GF Score™ of 55/100 and a GF Value™ of $22.64 (Fairly Valued). The stock has 3 warning signs investors should review.

CNB MI's ROE % for the quarter that ended in Mar. 2026 was 15.44%. CNB MI's PB Ratio for the quarter that ended in Mar. 2026 was 1.34. CNB MI's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 11.52%.

CNB MI ROE % Adjusted to Book Value Related Terms

CNB MI ROE % Adjusted to Book Value Historical Data

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The historical data trend for CNB MI'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.

CNB MI ROE % Adjusted to Book Value Chart

CNB MI Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

ROE % Adjusted to Book Value

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10.80

2.56

25.06

15.80

19.88

CNB MI Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
ROE % Adjusted to Book Value	Get a 7-Day Free Trial															15.92	15.59	18.47	17.66	11.52

CNBZ vs ELMA, VWFB, PFSB: ROE % Adjusted to Book Value Comparison

For the Banks - Regional subindustry, CNB MI'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.

CNB MI ROE % Adjusted to Book Value vs Banks Industry

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

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

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55GF Score

CNB Corp MI CNBZ

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CNB MI ROE % Adjusted to Book Value Calculation

CNB MI'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
	=	24.05%	/	1.21
	=	19.88%

CNB MI's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value	=	ROE %	/	PB Ratio
	=	15.44%	/	1.34
	=	11.52%

Frequently Asked Questions Learn more about ROE % Adjusted to Book Value →

What does a ROE % Adjusted to Book Value of 11.52% mean?

CNB MI (CNBZ) has a ROE % Adjusted to Book Value of 11.52% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on CNB MI and its competitors.

Is CNB MI's ROE % Adjusted to Book Value too high?

CNB MI's current ROE % Adjusted to Book Value is 11.52%. 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 ROE % Adjusted to Book Value compare to ELMA and VWFB?

CNB MI's ROE % Adjusted to Book Value of 11.52% 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 CNB MI and its competitors. CNB MI's current ROE % Adjusted to Book Value is 11.52%. 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 ROE % Adjusted to Book Value is 11.52%. CNB MI's overall GF Score™ is 55/100 with 3 warning signs 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 CNB MI (CNBZ), the current ROE % Adjusted to Book Value is 11.52% 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 $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:

ROE % Adjusted to Book Value: 11.52%
GF Value™: $22.64 vs. price of $24.01 (6.1% above fair value)
GF Score™: 55/100 with 3 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

Industry Financial Services Banks

Comparable Companies ELMA VWFB PFSB CDAB AMFC HRBK PFBN EBSH APLO IBWC SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Address 303 North Main Street, Cheboygan, MI, USA, 49721

Website https://www.cnbismybank.com

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

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

$24.01

Price

$22.64

GF Value

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