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Cornerstone BancorpCNBP 61 ROE % is 12.53% as of Dec. 2025, which is 13% below its 10-year median of 14.41. GuruFocus rates CNBP with a GF Score™ of 61/100 and a GF Value™ of $82.67 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,523 Banks companies, Cornerstone Bancorp ranks better than 66.05% on this metric.
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is one times the annual (Dec. 2025) net income data. The Revenue data used here is one times the annual (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
Cornerstone Bancorp ROE % Related Terms
Cornerstone Bancorp ROE % Historical Data
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The historical data trend for Cornerstone Bancorp's ROE % 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.
For the Banks - Regional subindustry, Cornerstone Bancorp's ROE %, along with its competitors' market caps and ROE % 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 % vs Banks Industry
For the Banks industry and Financial Services sector, Cornerstone Bancorp's ROE % distribution charts can be found below:
* The bar in red indicates where Cornerstone Bancorp's ROE % falls into.
* 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 ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is one times the annual (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
Cornerstone Bancorp (CNBP) has a ROE % of 12.53% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Cornerstone Bancorp and its competitors. This is 13% below median its historical median of 14.41. Over the past decade, Cornerstone Bancorp's ROE % has ranged from 8.05 to 19.60. According to the industry distribution chart, Cornerstone Bancorp ranks #517 out of 1523 companies in the Banks industry, placing it in the top 33.9%.
Is Cornerstone Bancorp's ROE % too high?
Cornerstone Bancorp's current ROE % of 12.53% is 13% below median its 10-year median of 14.41. Over the past 10 years, this metric has ranged from a low of 8.05 to a high of 19.60. The Banks industry median ROE % is 10.35. Cornerstone Bancorp's value of 12.53% is 21.1% above this industry median. Based on the distribution chart, Cornerstone Bancorp ranks #517 out of 1523 companies in the Banks industry, which is above the industry midpoint. 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 % compare to JDVB and MGYR?
According to the Banks industry distribution chart, Cornerstone Bancorp ranks #517 out of 1523 companies for ROE %. This puts Cornerstone Bancorp in the upper half of its industry. The industry median ROE % is 10.35. Cornerstone Bancorp's value of 12.53% is 21.1% above this benchmark. Historically, Cornerstone Bancorp's own ROE % has ranged from 8.05 to 19.60 over the past decade. While the company's 10-year median is 14.41 vs. the industry median of 10.35, Cornerstone Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % for a Banks company?
The median ROE % among Banks companies is 10.35, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cornerstone Bancorp's current ROE % of 12.53% is 21.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Cornerstone Bancorp and its competitors. For the Banks industry, the median ROE % is 10.35 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cornerstone Bancorp's current ROE % is 12.53%, which is 13% below median its own 10-year median of 14.41. 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 $82.67, compared to a current price of $120.10 — trading 45.3% above its estimated fair value. The current ROE % is 12.53%, which is 13% below median its 10-year median of 14.41 and 21.1% above the Banks industry median of 10.35. 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 % calculated?
ROE % is calculated from a company's financial statements. For Cornerstone Bancorp (CNBP), the current ROE % is 12.53% 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 $82.67.
GuruFocus considers Cornerstone Bancorp to be Significantly Overvalued.
Key valuation signals for CNBP:
ROE %: 12.53% (13% below median its 10-year median of 14.41)
GF Value™: $82.67 vs. price of $120.10 (45.3% above fair value)
Industry Position: 21.1% above the Banks median (#517 of 1523)
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 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
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