CNNB:NSD-Cincinnati Bancorp, Inc (USD)

COMMON STOCK | Banks-Regional | NSD

Last Closing Price

USD 14.35

Change

+0.07 (+0.50)%

Market Cap

USD 0.04B

Volume

261.00

Avg Analyst Target

N/A

Avg User Target

USD
Average Analyst Rating

N/A

Fundamental Analysis

Verdict

About

Cincinnati Bancorp, Inc. operates as the holding company for Cincinnati Federal that provides various banking and financial services to individuals and businesses in the United States. It offers various deposit accounts, including checking, savings, and certificate of deposit accounts. The company's loan portfolio comprises one-to four-family residential real estate loans, nonresidential real estate and multi-family loans, home equity loans and lines of credit, and construction and land loans, as well as invests in securities, which consist of mortgage-backed securities. It operates full-service branch offices in Miami Heights, Anderson, and Price Hill in Ohio, as well as in Covington and Florence in Northern Kentucky. The company was founded in 1922 and is based in Cincinnati, Ohio.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-08-03 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
SIVB SVB Financial Group

+4.27 (+0.78%)

USD31.03B 15.71 N/A
HBANN Huntington Bancshares Incorpor..

+0.10 (+0.38%)

USD28.23B 27.97 N/A
FITB Fifth Third Bancorp

+0.76 (+2.11%)

USD25.54B 10.58 N/A
HBAN Huntington Bancshares Incorpor..

+0.45 (+3.21%)

USD20.80B 15.21 N/A
FITBI Fifth Third Bancorp

+0.01 (+0.03%)

USD20.08B 8.37 N/A
SBNY Signature Bank

+4.81 (+2.12%)

USD13.12B 17.88 N/A
HBANO Huntington Bancshares Incorpor..

N/A

USD12.99B 21.91 N/A
ZION Zions Bancorporation, National..

+1.11 (+2.15%)

USD8.46B 7.83 N/A
CBSH Commerce Bancshares, Inc

-1.28 (-1.83%)

USD8.27B 15.16 N/A
FCNCA First Citizens BancShares, Inc

+20.77 (+2.70%)

USD7.62B 13.75 N/A

ETFs Containing CNNB

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Banks-Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 24.36% 57% F 73% C
Dividend Return N/A N/A N/A N/A N/A
Total Return 24.36% 54% F 72% C-
Trailing 12 Months  
Capital Gain 63.26% 61% D- 73% C
Dividend Return N/A N/A N/A N/A N/A
Total Return 63.26% 55% F 72% C-
Trailing 5 Years  
Capital Gain 59.45% 69% D+ 57% F
Dividend Return N/A N/A N/A N/A N/A
Total Return 59.45% 59% F 54% F
Average Annual (5 Year Horizon)  
Capital Gain 9.60% 84% B 52% F
Dividend Return N/A N/A N/A N/A N/A
Total Return 9.60% 79% C+ 49% F
Risk Return Profile  
Volatility (Standard Deviation) 29.75% 46% F 60% D-
Risk Adjusted Return 32.26% 73% C 49% F
Market Capitalization 0.04B 2% F 8% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks-Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 8.71 81% B- 75% C
Price/Book Ratio 1.01 75% C 88% B+
Price / Cash Flow Ratio -0.01 87% B+ 55% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 11.66% 60% D- 75% C
Return on Invested Capital 4.18% 40% F 64% D
Return on Assets 2.01% 95% A 65% D
Debt to Equity Ratio 92.55% 13% F 23% F
Technical Ratios  
Short Ratio 1.26 65% D 70% C-
Short Percent 0.08% 92% A- 95% A
Beta 0.66 78% C+ 80% B-
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

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User / Independent Analyst Ratings

User Name Target Rating Target Horizon (Months) Target Price User Analysis Date Comment

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Underpriced compared to earnings

The stock is trading low compared to its peers on a price to earning basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Underpriced compared to book value

The stock is trading low compared to its peers on a price to book value basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Superior return on assets

The company management has delivered better return on assets in the most recent 4 quarters than its peers, placing it in the top quartile.

Superior Earnings Growth

This stock has shown top quartile earnings growth in the previous 5 years compared to its sector.

What to not like:
Low market capitalization

This is among the smaller entities in its sectors with below median market capitalization. That may make it less stable in the long run unless it has a unique technology or market which can help it grow or get acquired in future.

High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Poor capital utilization

The company management has delivered below median return on invested capital in the most recent 4 quarters compared to its peers.

Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Negative cashflow

The company had negative total cash flow in the most recent four quarters.

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector