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CNB MICNBZ +1.75%58 10-Year RORE % is 16.01 as of Mar. 2026. GuruFocus rates CNBZ with a GF Score™ of 58/100 and a GF Value™ of $22.71 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,088 Banks companies, CNB MI ranks better than 74.63% on this metric.
Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
CNB MI's 10-Year RORE % for the quarter that ended in Mar. 2026 was 16.01%.
The industry rank for CNB MI's 10-Year RORE % or its related term are showing as below:
CNBZ's 10-Year RORE % is ranked better than 74.63% of 1088
companies
in the Banks industry
Industry Median: 10.205
vs CNBZ: 16.01
CNB MI (OTCPK:CNBZ) 10-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 10-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
CNB MI 10-Year RORE % Related Terms
CNB MI 10-Year RORE % Historical Data
* Premium members only.
The historical data trend for CNB MI's 10-Year RORE % 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.
CNBZ vs ELMA, VWFB, PFSB: 10-Year RORE % Comparison
For the Banks - Regional subindustry, CNB MI's 10-Year RORE %, along with its competitors' market caps and 10-Year RORE % 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 10-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, CNB MI's 10-Year RORE % distribution charts can be found below:
* The bar in red indicates where CNB MI's 10-Year RORE % 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 10-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 10-year before.
CNB MI (CNBZ) has a 10-Year RORE % of 16.01 as of Mar. 2026. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on CNB MI and its competitors. According to the industry distribution chart, CNB MI ranks #276 out of 1088 companies in the Banks industry, placing it in the top 25.4%.
Is CNB MI's 10-Year RORE % too high?
CNB MI's current 10-Year RORE % is 16.01. The Banks industry median 10-Year RORE % is 10.21. CNB MI's value of 16.01 is 56.9% above this industry median. Based on the distribution chart, CNB MI ranks #276 out of 1088 companies in the Banks industry, which is above the industry midpoint. 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 10-Year RORE % compare to ELMA and VWFB?
According to the Banks industry distribution chart, CNB MI ranks #276 out of 1088 companies for 10-Year RORE %. This puts CNB MI in the upper half of its industry. The industry median 10-Year RORE % is 10.21. CNB MI's value of 16.01 is 56.9% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 10-Year RORE % for a Banks company?
The median 10-Year RORE % among Banks companies is 10.21, based on 1,088 companies in the industry. Companies in the top quartile (top 25%) have a 10-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 10-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CNB MI's current 10-Year RORE % of 16.01 is 56.9% 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 10-Year RORE % mean?
A high 10-Year RORE % can signal that a stock is expensive relative to its fundamentals. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on CNB MI and its competitors. For the Banks industry, the median 10-Year RORE % is 10.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CNB MI's current 10-Year RORE % is 16.01. 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 $22.71, compared to a current price of $28.49 — trading 25.5% above its estimated fair value. The current 10-Year RORE % is 16.01 and 56.9% above the Banks industry median of 10.21. 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 10-Year RORE % calculated?
10-Year RORE % is calculated from a company's financial statements. For CNB MI (CNBZ), the current 10-Year RORE % is 16.01 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 $28.49 is trading 25.5% above its estimated GF Value™ of $22.71.
GuruFocus considers CNB MI to be Modestly Overvalued.
Key valuation signals for CNBZ:
10-Year RORE %: 16.01
GF Value™: $22.71 vs. price of $28.49 (25.5% above fair value)
Industry Position: 56.9% above the Banks median (#276 of 1088)
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 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
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10-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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