CNBP (Cornerstone Bancorp) Scaled Net Operating Assets: 0.02 (As of Dec. 2025)

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CNBP Cornerstone Bancorp Inc CNBP
61 GF Score
Price $120.10
GF Value $82.67
Valuation Significantly Overvalued
! 1 Warning Sign
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What is Cornerstone Bancorp Scaled Net Operating Assets?

Cornerstone Bancorp CNBP 61 Scaled Net Operating Assets is 0.02 as of Dec. 2025. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Cornerstone Bancorp's operating assets for the quarter that ended in Dec. 2025 was $955.98 Mil. Cornerstone Bancorp's operating liabilities for the quarter that ended in Dec. 2025 was $931.57 Mil. Cornerstone Bancorp's Total Assets for the quarter that ended in Dec. 2024 was $976.89 Mil. Therefore, Cornerstone Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was 0.02.

CNBP
61GF Score
Cornerstone Bancorp Inc CNBP
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Cornerstone Bancorp Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Cornerstone Bancorp's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(955.975-931.57)/976.886
=0.02

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1033.575 - 77.6
=955.975

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=941.88 - 10.31 - 0
=931.57

Cornerstone Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Dec. 2024 )
=(955.975-931.57)/976.886
=0.02

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1033.575 - 77.6
=955.975

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=941.88 - 10.31 - 0
=931.57

* 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 Scaled Net Operating Assets of 0.02 mean?
Cornerstone Bancorp (CNBP) has a Scaled Net Operating Assets of 0.02 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Cornerstone Bancorp and its competitors.
Is Cornerstone Bancorp's Scaled Net Operating Assets too high?
Cornerstone Bancorp's current Scaled Net Operating Assets is 0.02. 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 Scaled Net Operating Assets compare to JDVB and MGYR?
Cornerstone Bancorp's Scaled Net Operating Assets of 0.02 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Cornerstone Bancorp and its competitors. Cornerstone Bancorp's current Scaled Net Operating Assets is 0.02. 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 Scaled Net Operating Assets is 0.02. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Cornerstone Bancorp (CNBP), the current Scaled Net Operating Assets is 0.02 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:

  • Scaled Net Operating Assets: 0.02
  • GF Value™: $82.67 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

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$120.10
Price
$82.67
GF Value