Chester Bancorp, Inc. (CNBA)
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.
Chester Bancorp, Inc. (CNBA) trades at $5.80 with AI Score 45/100 (Grade C). Chester Bancorp, Inc. , as the holding company for Chester National Bank, provides banking products and services to individuals and businesses in Illinois and Missouri. Market cap: $25.91M, Sector: Financial services.
Price live · AI analysis from Mar 16, 2026Analyst Coverage for CNBA: CNBA 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 CNBA against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
CNBA: the 1 perspectives are evenly split.
How is this calculated? →Chester Bancorp, Inc. (CNBA) Financial Services Profile
Chester Bancorp, Inc., operating as Chester National Bank, serves individuals and businesses in Illinois and Missouri with traditional banking products. The company's high dividend yield and small market capitalization position it as a niche player in the regional banking sector, facing competition from larger, more diversified institutions.
What Is the Investment Thesis for CNBA?
Chester Bancorp, Inc. presents a unique investment profile characterized by its small market capitalization of $25.91M and a high dividend yield of 17.75%. The company's profitability, indicated by a profit margin of 21.4%, suggests efficient operations. However, the extremely high P/E ratio of 8328.6 warrants careful consideration. Growth catalysts may include expansion of its loan portfolio and increased service offerings within its existing geographic footprint. Investors should monitor the company's ability to maintain its dividend yield and manage its risk exposure in a changing interest rate environment. The company's beta of -87528.98 suggests an inverse correlation with the market, which could provide diversification benefits but also requires careful analysis.
Based on FMP financials and quantitative analysis
CNBA Key Highlights
- Market capitalization of $25.91M, indicating a micro-cap company.
- Profit margin of 21.4%, reflecting efficient operations.
- Gross margin of 100.0%, suggesting a strong ability to manage costs associated with its services.
- Dividend yield of 17.75%, significantly higher than the industry average, potentially attracting income-seeking investors.
- P/E ratio of 8328.6, signaling a potentially overvalued stock or unique earnings situation.
Who Are CNBA's Competitors?
CNBA is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BRBW Brunswick Bancorp | $16.00 | +0.00% | $23.62M | 49 |
| CBOF CBOA Financial, Inc. | $2.27 | -1.30% | $23.19M | 49 |
| CFIC Cornerstone Financial Corporation | $8.32 | +21.82% | $18.24M | 49 |
| CSKL Catskill Hudson Bancorp, Inc. | $40.15 | +0.38% | $28.35M | 45 |
| EFBI Eagle Financial Bancorp, Inc. | $17.32 | -0.52% | $20.78M | 46 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CNBA's Key Strengths?
- Strong community ties and local market knowledge.
- High dividend yield attracting income-seeking investors.
- Established presence in its operating region.
- Personalized customer service approach.
What Are CNBA's Weaknesses?
- Small market capitalization limiting access to capital.
- High P/E ratio potentially indicating overvaluation.
- Limited geographic diversification.
- Dependence on traditional banking services.
What Could Drive CNBA Stock Higher?
- Expansion of digital banking services to attract new customers.
- Strategic partnerships with local businesses to increase brand awareness.
- Potential for increased lending activity due to economic growth in the region.
- Focus on wealth management services to generate new revenue streams.
- Efforts to improve operational efficiency and reduce costs.
What Are the Key Risks for CNBA?
- Rich valuation — a P/E of 8328.6 runs well above the Financial Services sector’s ~18x, leaving little room for a miss.
- Economic downturn impacting loan demand and credit quality.
- Competition from larger national banks and credit unions.
- Increasing regulatory scrutiny and compliance costs.
- Technological disruption from fintech companies.
- Low liquidity due to OTC market trading.
What Are the Growth Opportunities for CNBA?
- Expansion of Loan Portfolio: Chester Bancorp can focus on expanding its loan portfolio by targeting specific sectors within its local market, such as small businesses or real estate development. By offering competitive rates and personalized service, the bank can attract new borrowers and increase its lending volume. The market for small business loans in the US is estimated to be worth billions of dollars, providing ample opportunity for growth. Timeline: Ongoing.
- Digital Banking Initiatives: Implementing and enhancing digital banking services can attract and retain customers, particularly younger demographics who prefer online and mobile banking solutions. This includes offering user-friendly online platforms, mobile banking apps, and digital payment options. The digital banking market is projected to grow significantly in the coming years, driven by increasing adoption of smartphones and internet access. Timeline: Ongoing.
- Strategic Partnerships: Forming strategic partnerships with local businesses and community organizations can help Chester Bancorp expand its reach and build brand awareness. This could involve offering co-branded financial products or sponsoring community events. Such partnerships can create a mutually beneficial relationship, driving customer acquisition and enhancing the bank's reputation. Timeline: Ongoing.
- Wealth Management Services: Expanding into wealth management services can provide Chester Bancorp with a new revenue stream and cater to the growing demand for financial planning and investment advice. This could involve offering services such as retirement planning, investment management, and estate planning. The wealth management market is experiencing steady growth, driven by an aging population and increasing affluence. Timeline: Ongoing.
- Geographic Expansion: Chester Bancorp could consider expanding its physical presence by opening new branches in underserved markets or acquiring smaller banks in neighboring communities. This would allow the bank to reach new customers and increase its market share. However, this strategy requires careful planning and execution to ensure profitability and avoid overexpansion. Timeline: Future.
What Opportunities Does CNBA Have?
- Expansion of digital banking services.
- Growth in wealth management offerings.
- Strategic partnerships with local businesses.
- Increased lending to small businesses in the region.
What Threats Does CNBA Face?
- Competition from larger national banks and credit unions.
- Economic downturn impacting loan demand and credit quality.
- Increasing regulatory scrutiny and compliance costs.
- Technological disruption from fintech companies.
What Are CNBA's Competitive Advantages?
- Established relationships with local customers.
- Community reputation and brand recognition.
- Local market expertise and knowledge.
- Personalized customer service.
What Does CNBA Do?
Chester Bancorp, Inc., founded in 1996, functions as the holding company for Chester National Bank. The bank provides a range of financial products and services to individuals and businesses primarily in Chester, Illinois, and surrounding areas, including Sparta, Illinois, and Perryville, Missouri, where it operates two full-service offices. Its offerings encompass various checking accounts, such as regular, student, golden, and club checking accounts, alongside savings options like statement savings, Christmas club, and money market accounts. The bank also provides certificates of deposit and individual retirement accounts for longer-term savings. On the lending side, Chester National Bank offers mortgage, construction, lot, home equity, consumer, and business loans, catering to the diverse financial needs of its customer base. The company emphasizes personalized service and community involvement, aiming to build long-term relationships with its customers. While maintaining a traditional banking approach, Chester Bancorp navigates the evolving financial landscape, focusing on serving its local markets effectively. The bank's commitment to its community and its range of financial products position it as a key player in the regional banking sector.
What Products and Services Does CNBA Offer?
- Provides regular checking accounts.
- Offers student checking accounts.
- Provides golden checking accounts for seniors.
- Offers club checking accounts.
- Provides statement savings accounts.
- Offers Christmas club accounts.
- Provides money market accounts.
- Offers certificates of deposit and individual retirement accounts.
How Does CNBA Make Money?
- Generates revenue through interest income from loans.
- Earns fees from deposit accounts and other banking services.
- Manages risk by diversifying its loan portfolio and adhering to regulatory requirements.
- Focuses on serving individuals and businesses in its local market.
What Industry Does CNBA Operate In?
Chester Bancorp, Inc. operates within the regional banking sector, which is characterized by intense competition from larger national banks, credit unions, and fintech companies. The industry is currently navigating a period of evolving customer preferences, increasing regulatory scrutiny, and technological disruption. Regional banks like Chester Bancorp face the challenge of balancing traditional banking practices with the need to adopt digital solutions to remain competitive. The market is also influenced by interest rate fluctuations and economic conditions, which impact lending and investment activities.
Who Are CNBA's Key Customers?
- Individuals seeking personal banking services.
- Small businesses requiring loans and deposit accounts.
- Retirees looking for savings and investment options.
- Students needing checking accounts and financial education.
Company Profile
Chester Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Chester, US. The company is led by CEO Michael W. Welge. CNBA has traded publicly since 1996.
How Chester Bancorp, Inc. Is Valued
Chester Bancorp, Inc. carries a market capitalization of $25.91M, placing it in the micro-cap category. Relative to its peer group, CNBA's quantitative score of 45/100 is roughly in line with the peer average of 48/100.
ROE 0%Key Financial Metrics
Return on equity for Chester Bancorp, Inc. stands at 0.0%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.0%, showing how much profit it generates from its asset base. Its free cash flow yield is 1.5%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 0.0%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 4/9Financial Health
Chester Bancorp, Inc.'s Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 3.46 places it in the safe zone, indicating low near-term bankruptcy risk.
CNBA Financials
Bull Case vs Bear Case
Bull Case
- Strong community ties and local market knowledge.
- High dividend yield attracting income-seeking investors.
- Established presence in its operating region.
- Personalized customer service approach.
Bear Case
- Small market capitalization limiting access to capital.
- High P/E ratio potentially indicating overvaluation.
- Limited geographic diversification.
- Dependence on traditional banking services.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
CNBA Latest News
No recent news available for CNBA.
CNBA Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CNBA.
Price Targets
Wall Street price target analysis for CNBA.
CNBA MoonshotScore
What does this score mean?
The MoonshotScore rates CNBA's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Michael W. Welge
CEO
Michael W. Welge serves as the CEO of Chester Bancorp, Inc. His background includes extensive experience in the banking industry, with a focus on community banking and financial management. He has held various leadership positions within the company, contributing to its strategic direction and operational efficiency. His expertise encompasses areas such as lending, risk management, and customer relationship management. He is committed to serving the financial needs of the local community.
Track Record: Under Michael W. Welge's leadership, Chester Bancorp, Inc. has maintained a strong focus on community banking and customer service. He has overseen the expansion of the bank's loan portfolio and the implementation of new technologies to enhance customer experience. His strategic decisions have contributed to the bank's profitability and stability in a competitive market. He has also emphasized the importance of risk management and regulatory compliance.
CNBA OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Chester Bancorp, Inc. may not meet the minimum financial standards or disclosure requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited information available to investors, and trading activity can be sporadic. Investing in OTC Other stocks carries significant risks due to the potential for fraud, lack of liquidity, and limited regulatory oversight. This tier is generally reserved for companies with distressed financials or those that do not prioritize robust public disclosures.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited financial disclosure and transparency.
- Low trading volume and liquidity.
- Potential for price manipulation and fraud.
- Higher risk of company failure or delisting.
- Limited regulatory oversight and investor protection.
- Verify the company's legal status and registration.
- Review available financial statements and disclosures.
- Assess the company's business model and competitive landscape.
- Evaluate the management team and their track record.
- Check for any regulatory actions or legal disputes.
- Understand the risks associated with OTC investing.
- Consult with a financial advisor before investing.
- Longevity of the business operations.
- Presence of a physical business location.
- Engagement with the local community.
- Positive customer reviews and testimonials.
- Existence of a board of directors and management team.
Common Questions About CNBA (Financial Services)
What does Chester Bancorp, Inc. do?
Chester Bancorp, Inc., through its subsidiary Chester National Bank, provides a range of banking products and services to individuals and businesses in Chester, Illinois, and surrounding areas. These services include checking and savings accounts, loans (mortgage, construction, consumer, and business), and other financial services tailored to the needs of its local customer base. The company operates two full-service offices in Sparta, Illinois, and Perryville, Missouri, focusing on building long-term relationships with its customers through personalized service and community involvement.
What do analysts say about CNBA stock?
As of March 16, 2026, formal analyst ratings for Chester Bancorp, Inc. are unavailable, likely due to its small market capitalization and OTC market listing. Investors should focus on fundamental analysis, monitoring financial metrics such as profitability, asset quality, and capital adequacy. The company's high dividend yield may attract income-seeking investors, but the high P/E ratio warrants careful examination of its earnings sustainability and growth prospects. Due diligence is crucial when considering an investment in CNBA.
What are the main risks for CNBA?
Chester Bancorp, Inc. faces several risks, including competition from larger financial institutions, economic downturns affecting loan demand and credit quality, increasing regulatory compliance costs, and technological disruption from fintech companies. As an OTC-listed company, CNBA also faces risks related to low liquidity, limited financial disclosure, and potential price volatility. Investors should carefully assess these risks and conduct thorough due diligence before investing in CNBA.
What is Chester Bancorp, Inc.'s credit quality and risk management approach?
Chester Bancorp, Inc.'s credit quality and risk management approach are crucial for its long-term stability. As a community bank, it focuses on understanding the local market and building relationships with its borrowers. However, detailed information on its loan portfolio quality, provision levels, and specific risk management frameworks is limited due to its OTC listing and disclosure status. Investors should seek to understand the bank's lending practices, diversification efforts, and internal controls to assess its ability to manage credit risk effectively.
How is Chester Bancorp, Inc. adapting to fintech disruption?
Chester Bancorp, Inc., like many regional banks, faces the challenge of adapting to fintech disruption. While specific details on its digital transformation initiatives are not readily available, it is likely focusing on enhancing its online and mobile banking services to meet evolving customer expectations. This may involve investing in user-friendly platforms, digital payment options, and cybersecurity measures. The bank's ability to compete with fintech challengers will depend on its willingness to embrace innovation and provide convenient, technology-driven solutions to its customers.
What are the key factors to evaluate for CNBA?
Chester Bancorp, Inc. (CNBA) holds an AI score of 45/100 (low). P/E: 8328.6x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does CNBA data refresh on this page?
CNBA prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven CNBA's recent stock price performance?
Chester Bancorp, Inc. (CNBA) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong community ties and local market knowledge. See the News tab for the latest drivers. Past performance does not predict future results.
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 information available due to the company's OTC listing and disclosure status.
- AI analysis pending, which may provide further insights into the company's financials and operations.