CNB Bank Shares, Inc. (CNBN) Stock Analysis
DELISTED 2026
What happened to CNB Bank Shares, Inc. (CNBN) stock?
CNB Bank Shares, Inc. (CNBN) no longer trades on public markets. It was delisted in March 2026. The figures below are historical and are not a current quote.
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
CNB Bank Shares, Inc. (CNBN) trades at $27.55. CNB Bank Shares, Inc. is a bank holding company operating through CNB Bank & Trust, providing financial services in Illinois and the St. Louis metropolitan area. Market cap: $150M, Sector: Financial services.
Last analyzed: Mar 16, 2026Analyst Coverage for CNBN: CNBN does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates CNBN against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
CNBN: the 2 scored disciplines are evenly split. Dominant signal: Ray Dalio bullish.
How is this calculated? →CNB Bank Shares, Inc. (CNBN) Financial Services Profile
CNB Bank Shares, Inc., established in 1854, operates as a community-focused bank holding company in south-central Illinois, suburban southwestern Chicago, and the St. Louis metro area. With a diverse portfolio of loan and deposit products, CNBN maintains a 15.0% profit margin and offers a 2.18% dividend yield.
What Is the Investment Thesis for CNBN?
CNB Bank Shares, Inc. presents a community banking model with a focus on south-central Illinois, suburban southwestern Chicago, and the St. Louis metropolitan area. With a P/E ratio of 9.39 and a dividend yield of 2.18%, the company demonstrates stable profitability. Growth catalysts include expansion of digital banking services and increased commercial lending activities. However, potential risks include competition from larger regional banks and the impact of fluctuating interest rates on net interest margin. The company's ability to maintain its 15.0% profit margin and grow its loan portfolio will be crucial for future performance. Monitoring the bank's performance in adapting to fintech advancements and its ability to attract and retain deposits will be key to evaluating its long-term investment potential.
Based on FMP financials and quantitative analysis
CNBN Key Highlights
Market capitalization of $150M, indicating a small-cap regional bank.
- P/E ratio of 9.39, suggesting a potentially undervalued stock compared to industry peers.
- Profit margin of 15.0%, reflecting efficient operations and profitability.
- Gross margin of 47.1%, showcasing the bank's ability to manage its cost of services effectively.
- Dividend yield of 2.18%, providing a steady income stream for investors.
Who Are CNBN's Competitors?
CNBN is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BMBN Benchmark Bankshares, Inc. | $43.00 | +0.00% | $192M | 51 |
| CMTV Community Bancorp | $41.21 | +1.55% | $230M | 68 |
| CSBB CSB Bancorp, Inc. | $74.48 | +0.00% | $196M | 53 |
| EMYB Embassy Bancorp, Inc. | $22.10 | -1.12% | $164M | 55 |
| FGFH Foresight Financial Group, Inc. | $50.98 | +0.00% | $184M | 51 |
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CNBN's Key Strengths?
Long-standing history and established presence in its markets.
- Strong relationships with local communities and businesses.
- Diversified loan portfolio across various sectors.
- Solid profitability and consistent dividend payments.
What Are CNBN's Weaknesses?
Limited geographic reach compared to larger regional banks.
- Dependence on traditional banking services in a digital age.
- Exposure to interest rate risk and economic cycles.
- Small market capitalization and limited trading liquidity.
What Could Drive CNBN Stock Higher?
Expansion of digital banking services to attract new customers and enhance customer experience.
- Increased commercial lending activities to support local businesses and drive loan growth.
- Potential strategic acquisitions to expand geographic footprint and market share.
- Growth of wealth management services to cater to affluent clients and generate fee income.
- Focus on agricultural lending to support farmers and agribusinesses in its operating regions.
What Are the Key Risks for CNBN?
Financial-distress signal — its Altman Z-Score of 0.27 sits in the distress zone (elevated bankruptcy risk).
- Competition from larger regional and national banks.
- Disruption from fintech companies offering alternative financial services.
- Regulatory changes and compliance costs.
- Economic downturns and credit quality deterioration.
- Interest rate risk and its impact on net interest margin.
What Are the Growth Opportunities for CNBN?
- Expansion of Digital Banking Services: CNB Bank Shares can capitalize on the growing demand for digital banking solutions by enhancing its online and mobile platforms. Investing in user-friendly interfaces, mobile check deposit, and digital wallets can attract younger, tech-savvy customers. The digital banking market is projected to reach $9 trillion by 2027, offering a significant growth opportunity for CNB Bank Shares to increase its customer base and transaction volume.
- Increased Commercial Lending Activities: CNB Bank Shares can focus on expanding its commercial lending portfolio by targeting small and medium-sized businesses (SMBs) in its operating regions. Offering tailored loan products, competitive interest rates, and personalized service can attract SMB clients seeking financing for expansion, working capital, or equipment purchases. The SMB lending market is estimated at $800 billion annually, providing ample opportunities for CNB Bank Shares to grow its loan book.
- Strategic Acquisitions: CNB Bank Shares can pursue strategic acquisitions of smaller community banks or credit unions in adjacent markets to expand its geographic footprint and customer base. Acquisitions can provide access to new markets, diversify revenue streams, and create synergies through cost savings and operational efficiencies. The community banking sector is ripe for consolidation, presenting opportunities for CNB Bank Shares to grow through inorganic means.
- Wealth Management Services: CNB Bank Shares can expand its wealth management services by offering financial planning, investment management, and retirement planning solutions to high-net-worth individuals and families. The wealth management market is growing rapidly, driven by an aging population and increasing affluence. By providing personalized advice and tailored investment strategies, CNB Bank Shares can attract and retain wealthy clients, generating fee income and cross-selling opportunities.
- Agricultural Lending: Given its presence in agricultural regions, CNB Bank Shares can focus on expanding its agricultural lending portfolio by offering financing solutions to farmers and agribusinesses. Agricultural loans can support farm operations, equipment purchases, and land acquisitions. With the agricultural sector facing increasing challenges such as climate change and fluctuating commodity prices, there is a growing need for specialized financial services, creating opportunities for CNB Bank Shares to grow its agricultural lending business.
What Are CNBN's Competitive Advantages?
- Strong community relationships and local market knowledge.
- Long-standing history and reputation in its operating regions.
- Personalized service and customer-centric approach.
- Diversified loan portfolio and risk management practices.
What Does CNBN Do?
Founded in 1854 and headquartered in Carlinville, Illinois, CNB Bank Shares, Inc. operates as the bank holding company for CNB Bank & Trust, N.A. The bank provides a comprehensive suite of banking services to individuals and corporate clients across south-central Illinois, suburban southwestern Chicago, and the St. Louis metropolitan area. CNB Bank & Trust offers a variety of deposit products, including checking and savings accounts, certificates of deposit, time deposits, and individual retirement accounts. Its lending portfolio encompasses mortgage, construction, home equity, consumer installment, student, commercial real estate, government guaranteed, term business, working capital, small business, commercial, and agricultural loans, as well as lines of credit and letters of credit. Additionally, the bank provides equipment financing, loans for business acquisitions, and leasing services. CNB Bank Shares also offers various services such as overdraft protection, night depository, safe deposit boxes, cash management, wire transfers, cashier's checks, and notary services. Customers can also access gift cards, credit and debit cards, digital wallet, mobile check deposit, and online and mobile banking services. The company's wealth management and farm management services further diversify its offerings, catering to a wide range of financial needs within its operating regions.
What Products and Services Does CNBN Offer?
- Provides checking and savings accounts to individuals and businesses.
- Offers mortgage, construction, and home equity loans.
- Provides commercial real estate and business loans.
- Offers agricultural loans and farm management services.
- Provides wealth management and retirement planning services.
- Offers online and mobile banking services.
- Provides credit and debit cards.
How Does CNBN Make Money?
- Generates revenue through interest income from loans.
- Earns fees from deposit accounts and other banking services.
- Provides wealth management services for a fee.
- Manages risk through careful underwriting and diversification of loan portfolio.
What Industry Does CNBN Operate In?
CNB Bank Shares, Inc. operates within the regional banking sector, which is characterized by intense competition and evolving customer preferences. The industry is undergoing digital transformation, with banks increasingly investing in online and mobile banking platforms to enhance customer experience and reduce operational costs. The competitive landscape includes larger national banks, regional players, and fintech companies offering alternative financial services. CNB Bank Shares' success depends on its ability to differentiate itself through personalized service, strong community relationships, and effective risk management.
Who Are CNBN's Key Customers?
- Individual consumers in south-central Illinois, suburban southwestern Chicago, and the St. Louis metropolitan area.
- Small and medium-sized businesses (SMBs) in its operating regions.
- Farmers and agribusinesses in agricultural communities.
- High-net-worth individuals seeking wealth management services.
Key Financial Metrics
Return on equity for CNB Bank Shares, Inc. stands at 10.5%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.9%, showing how much profit it generates from its asset base. CNBN trades at a trailing price-to-earnings ratio of 9.39, below the Financial Services sector average of ~18x. Its free cash flow yield is 13.4%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.73 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 10.7%, the inverse of the P/E and a quick read on earnings relative to price.
CNB Bank Shares, Inc. (CNBN) Valuation Context
Valued at $150M, CNBN is classified as a micro-cap stock.
Company Profile
CNB Bank Shares, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Carlinville, US. The company is led by CEO James T. Ashworth. CNBN has traded publicly since 2018.
Financial Health
CNB Bank Shares, Inc.'s Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 0.27 places it in the distress zone, a signal of elevated financial risk.
CNBN Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2024
Bull Case vs Bear Case
Bull Case
- Long-standing history and established presence in its markets.
- Strong relationships with local communities and businesses.
- Diversified loan portfolio across various sectors.
- Solid profitability and consistent dividend payments.
Bear Case
- Limited geographic reach compared to larger regional banks.
- Dependence on traditional banking services in a digital age.
- Exposure to interest rate risk and economic cycles.
- Small market capitalization and limited trading liquidity.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
CNBN Latest News
No recent news available for CNBN.
Leadership: James T. Ashworth
CEO
James T. Ashworth serves as the CEO of CNB Bank Shares, Inc. His background includes extensive experience in the banking sector, with a focus on community banking and financial management. Ashworth has held various leadership positions within the industry, demonstrating expertise in strategic planning, risk management, and customer relationship management. His career reflects a commitment to fostering sustainable growth and delivering value to shareholders. He is known for his deep understanding of the local markets served by CNB Bank & Trust.
Track Record: Under James T. Ashworth's leadership, CNB Bank Shares, Inc. has maintained a consistent track record of profitability and stability. Key achievements include the successful implementation of digital banking initiatives and the expansion of commercial lending activities. Ashworth has also overseen the bank's efforts to strengthen its community relationships and enhance customer service. His strategic decisions have contributed to the bank's ability to navigate challenging economic conditions and maintain a strong financial position.
CNBN OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that CNB Bank Shares, Inc. may not meet the minimum financial standards or disclosure requirements for higher tiers like OTCQX or OTCQB. Companies in this tier often have limited trading volume and may not be subject to the same level of regulatory oversight as those listed on major exchanges like NYSE or NASDAQ. Investing in OTC Other stocks carries higher risks due to the potential for limited information and price volatility.
- OTC Tier: OTC Other
- Limited information and disclosure requirements.
- Potential for price manipulation and fraud.
- Higher bid-ask spreads and lower trading volume.
- Greater price volatility and illiquidity.
- Lack of regulatory oversight and investor protection.
- Verify the company's financial statements and disclosures.
- Research the company's management team and track record.
- Assess the company's business model and competitive landscape.
- Evaluate the company's risk factors and potential liabilities.
- Monitor trading volume and price volatility.
- Consult with a qualified financial advisor.
- Understand the risks associated with OTC investing.
- Long-standing history and established presence in its markets.
- Positive reputation and community relationships.
- Consistent profitability and dividend payments.
- Audited financial statements and regulatory filings.
- Active engagement with investors and stakeholders.
CNB Bank Shares, Inc. Financial Services Stock: Key Questions Answered
What happened to CNB Bank Shares, Inc. (CNBN) stock?
CNB Bank Shares, Inc. (CNBN) no longer trades on public markets. It was delisted in March 2026. The figures below are historical and are not a current quote.
Can I still buy CNBN shares?
No. CNBN stopped trading on public markets in March 2026, so the shares are not available through a broker. Anything you see quoted for CNBN elsewhere is historical data, not a live market.
Are the figures on this page current?
No. Every number here is the last value recorded before CNBN stopped trading. Nothing on this page updates, and none of it is a current quote.
Why does this page still exist?
Because people still search for what happened to CNB Bank Shares, Inc.. An archived profile that states the delisting plainly is more useful than a dead link — provided it is labelled as history, which is what this page does.
What does CNB Bank Shares, Inc. do?
CNB Bank Shares, Inc. operates as the bank holding company for CNB Bank & Trust, N.A., providing a range of banking services to individuals and businesses in south-central Illinois, suburban southwestern Chicago, and the St. Louis metropolitan area. The company offers deposit accounts, loans, wealth management, and other financial services.
What do analysts say about CNBN stock?
Analyst coverage of CNBN stock is limited due to its small market capitalization and OTC listing. However, key valuation metrics such as P/E ratio and dividend yield suggest that the stock may be undervalued compared to its peers. Growth considerations include the company's ability to expand its digital banking services, increase commercial lending activities, and pursue strategic acquisitions.
What are the main risks for CNBN?
The main risks for CNBN include competition from larger regional and national banks, disruption from fintech companies, regulatory changes and compliance costs, economic downturns and credit quality deterioration, and interest rate risk. As an OTC-listed company, CNBN also faces risks related to limited information and disclosure requirements, potential for price manipulation, and lower trading liquidity. Investors should carefully assess these risks before investing in CNBN.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Limited analyst coverage for CNBN due to its small market capitalization and OTC listing.
- Disclosure status on the OTC market is unknown, requiring additional due diligence.