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CNB MICNBZ +1.75%57 5-Year Yield-on-Cost % is 3.16 as of Jul. 20, 2026, which is 17% below its 10-year median of 3.80. GuruFocus rates CNBZ with a GF Score™ of 57/100 and a GF Value™ of $22.72 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,255 Banks companies, CNB MI ranks worse than 63.27% on this metric.
CNB MI's yield on cost for the quarter that ended in Mar. 2026 was 3.16.
The historical rank and industry rank for CNB MI's 5-Year Yield-on-Cost % or its related term are showing as below:
CNBZ'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.04 Med: 3.8 Max: 5.56
Current: 3.16
During the past 13 years, CNB MI's highest Yield on Cost was 5.56. The lowest was 2.04. And the median was 3.80.
CNBZ's 5-Year Yield-on-Cost % is ranked worse than 63.27% of 1255
companies
in the Banks industry
Industry Median: 3.86
vs CNBZ: 3.16
CNB MI (OTCPK:CNBZ) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
CNB MI 5-Year Yield-on-Cost % Related Terms
CNBZ vs ELMA, VWFB, PFSB: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, CNB MI's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, CNB MI's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where CNB MI's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of CNB MI is calculated as
CNB MI (CNBZ) has a 5-Year Yield-on-Cost % of 3.16 as of Jul. 20, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on CNB MI and its competitors. This is 17% below median its historical median of 3.80. Over the past decade, CNB MI's 5-Year Yield-on-Cost % has ranged from 2.04 to 5.56. According to the industry distribution chart, CNB MI ranks #794 out of 1255 companies in the Banks industry, placing it in the top 63.3%.
Is CNB MI's 5-Year Yield-on-Cost % too high?
CNB MI's current 5-Year Yield-on-Cost % of 3.16 is 17% below median its 10-year median of 3.80. Over the past 10 years, this metric has ranged from a low of 2.04 to a high of 5.56. The Banks industry median 5-Year Yield-on-Cost % is 3.86. CNB MI's value of 3.16 is 18.1% below this industry median. Based on the distribution chart, CNB MI ranks #794 out of 1255 companies in the Banks industry, which is below the industry midpoint. Overall, CNB MI has a GF Score™ of 57/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does CNB MI's 5-Year Yield-on-Cost % compare to ELMA and VWFB?
According to the Banks industry distribution chart, CNB MI ranks #794 out of 1255 companies for 5-Year Yield-on-Cost %. This places CNB MI in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.86. CNB MI's value of 3.16 is 18.1% below this benchmark. Historically, CNB MI's own 5-Year Yield-on-Cost % has ranged from 2.04 to 5.56 over the past decade. While the company's 10-year median is 3.80 vs. the industry median of 3.86, CNB MI has consistently been below 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.86, based on 1,255 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CNB MI's current 5-Year Yield-on-Cost % of 3.16 is 18.1% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on CNB MI and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CNB MI's current 5-Year Yield-on-Cost % is 3.16, which is 17% below median its own 10-year median of 3.80. 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 $22.72, compared to a current price of $28.49 — trading 25.4% above its estimated fair value. The current 5-Year Yield-on-Cost % is 3.16, which is 17% below median its 10-year median of 3.80 and 18.1% below the Banks industry median of 3.86. CNB MI's overall GF Score™ is 57/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For CNB MI (CNBZ), the current 5-Year Yield-on-Cost % is 3.16 as of Jul. 20, 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 25.4% above its estimated GF Value™ of $22.72.
GuruFocus considers CNB MI to be Modestly Overvalued.
Key valuation signals for CNBZ:
5-Year Yield-on-Cost %: 3.16 (17% below median its 10-year median of 3.80)
GF Value™: $22.72 vs. price of $28.49 (25.4% above fair value)
Industry Position: 18.1% below the Banks median (#794 of 1255)
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.
57GF Score
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